List all of the user's accounts: depots (where investments live), cash accounts, insurance, etc. Start here when you need to know which accounts exist before drilling in.

Get balance history for one or more cash accounts over a date range. Works only with cash accounts (type '02_cash'), not depots.

Get the current total value of one or more depots, and optionally its history when 'from' is given. Use this for 'what is my portfolio worth (today / over time)?'.

Break down the portfolio's market value by region, industry sector, or asset type. Use this for 'how diversified am I?' and 'what's my US exposure?'.

Monthly income vs. spending for the user's cash accounts. Answers 'how much did I earn and spend?' over a period. Inflows are positive, outflows positive (spending), net = income − spending.

Compute the user's savings rate over a period: (income − spending) / income, expressed as a percentage. Uses cash flow analytics. Higher is better; negative means the user spent more than they earned.

List transactions flagged as regular (salary, rent, subscriptions, standing orders). Grouped by counterpart and direction, with detected payment interval (in months) and average amount. Use this to answer 'what subscriptions do I have?' or 'what are my fixed costs?'.

Get dividend income per year (gross and net), with a per-month breakdown for the current year. Use this for 'how much dividend income did I get in 2024?'.

Get this year's dividend calendar for current holdings: expected and received payouts with dates, amounts and yields. Use this for 'when are my next dividend payments?'.

Get the portfolio's dividend yield per year (on current value and on invested capital) plus the dividend CAGR. Use this for 'what's my dividend yield?'.

List the user's investment holdings (stocks, funds, bonds, ETFs). Returns name, ISIN, type, lots, market value and gain/loss. Use this for 'what do I own?' and 'show me my biggest positions'.

Get the top gainers or losers — either by today's change or by total return since purchase. Use this for 'best/worst performers'.

Get TWROR (time-weighted rate of return) timeseries for the portfolio over a date range. Use this to answer 'how did my portfolio perform this year / last 5 years?'.

Get realized gains per year, split into trading, dividend, interest and other gains (gross and net, plus tax refunds). Use this for 'what did I realize this year?' and tax questions.

Get annualized risk (volatility) and return metrics — for the whole portfolio, or per investment with breakdown=true. Use this for 'how risky is my portfolio?'.

Search securities by name, ISIN or WKN. Returns the security ID and quote provider needed by get_quotes. Use this to resolve 'Apple' or an ISIN to a tradable security.

Get current quotes (last price, daily change) for securities by security ID. Get the IDs from search_symbols first.

Get master data and valuation fundamentals (P/E, P/B, P/S, F-Score) for a security by ISIN. Use this for 'tell me about this holding' or 'is this stock expensive?'.

List cash transactions (deposits, withdrawals, fees, interest, transfers). Results are sorted by amount (largest absolute value first), so the top rows answer 'what did I spend most money on?'.

List investment bookings: buys, sells, dividends, splits. Use this to see the trade history for a specific security or depot.

Show which wealthAPI user this session is acting as (name, email, member since). Use this to ground yourself or when the user asks 'which account is this?'.