List the user's personal Luni transactions. Use this whenever the user asks about their own spending, recent purchases, a specific merchant, or a category total. Returns transactions across all connected accounts (Plaid + Wise) for the authenticated Luni user. For business-entity spending, call get_pnl or get_cash_flow instead.

Show the user's personal budget vs actual spend for the current month (or a specified month). Use this when the user asks 'how am I doing', 'am I over budget', 'which categories am I over on', or similar. For business-entity P&L, call get_pnl instead.

List unsettled split transactions for the authenticated user. Returns who owes the user money and who the user owes. Use this for questions like 'who owes me', 'do I owe anyone', or 'how much is outstanding from the Airbnb trip'.

List the business entities and personal spaces the authenticated user has access to in Luni. Call this first when the user asks about a company, partnership, or business account. The returned entity_id values are required by get_cash_flow, get_pnl, get_recurring, and get_partner_distribution.

Return the cash flow summary for a business entity: inflows, outflows, net, and a breakdown by category or by month. Use this when the user asks about revenue vs expenses, monthly cash position, or how much money came in/went out of a company. Call list_entities first to get the entity_id.

Return the Profit & Loss statement for a business entity for a given period. Shows revenue line items, expense categories, gross profit, and net profit. Use this when the user asks about profitability, revenue, operating expenses, or wants a P&L or income statement for a company. Call list_entities first to get the entity_id.

List recurring inflows and outflows for a business entity: subscriptions, retainers, recurring revenue, and regular vendor payments. Use this when the user asks about fixed costs, recurring revenue, SaaS spend, or wants to know what the business can count on month to month. Call list_entities first to get the entity_id.

Return the profit distribution summary for a business entity — how net profit is split between partners for a given period. Partners see only their own slice; owners see the full split. Use this when the user asks 'how much do I take home', 'what's my distribution', or 'show me the partner split'. Call list_entities first to get the entity_id.