Finary

Project how an investment or savings could grow over time with compound interest. Given a starting amount, an optional monthly contribution, a number of years and an annual return rate, it returns the projected final amount, how much of it is contributions versus interest earned, a year-by-year series, a plain-language summary, and a ready-to-display HTML result card you can render as an artifact. Use it only when the user explicitly asks for a projection or clearly requests one ("how much would I have if…") — never run it proactively, and never to illustrate an answer the user did not ask for. When the user does ask, use this tool rather than computing the figures yourself. This is an illustrative projection at a fixed annual rate (annual compounding, no fees or inflation), not financial advice or a guarantee.

simulate_compound_interest

List the profiles the user manages in Finary — themselves and any other people or companies whose finances they track.

profiles

Get the user's portfolio — the authoritative overview. One call returns their balance_sheet (gross assets = ALL owned value before debts, including checking accounts and real estate; liabilities and net worth when derivable — the block's completeness tag says which shape you got), their Financial Assets (the app's narrower bucket: savings, stocks & funds, crypto, fonds euros, precious metals — NO checking accounts, NO real estate), the breakdown by category, and each family member's total. Use this for ANY question about totals, allocation, or "how am I doing" — its totals are authoritative; never conflate them, and never recompute them from the accounts or holdings tools. The payload's view field states the one fixed lens it reports at; if the user's Finary app shows a different figure, name the view difference — never doubt, adjust, or average either figure. Read-only.

get_portfolio_overview

List the savings goals the user has set — for each one its name, the kind of goal, the plan behind it (a target amount and what they put aside, or an emergency fund sized in months of expenses), the date they are aiming for, who shares it — household members, sometimes one of their companies — which accounts fund it and with how much each, and where it stands today: the amount behind it, its status (on track, challenging, completed, overdue, overshooting, overfunded, underfunded), the yearly return the plan would need against the one its accounts are expected to deliver. Also the totals over the dated goals and over the emergency funds. All of it is Finary's own — the same figures the app shows — so use them as given rather than working any out from the funding accounts. Read-only.

goals

Get the user's spending and income over one period — the authoritative budget overview. One call returns their income, expenses and net cashflow for the household, their savings rate, the split between detected recurring charges and variable spending, the breakdown by category with a twelve-month average per category, per-month figures when the window spans several months, spending attributed to whoever holds each account, and the same totals for the period before. Each category also carries the target the household budgeted for it, so this answers "am I over budget on X?" — but read by_category_note first: a target has no currency of its own and `should_reach` says whether it is a ceiling or a floor. Use this for ANY question about spending, income, budget, targets, categories, savings rate or where the money went. For questions about individual transactions or labels (what was this charge, list my payments) call group_spending and list_transactions instead; for a category or sub-category (fuel, groceries) call spending_by_category. Amounts are the WHOLE household's and are NOT scaled by the user's ownership share — that matches the Finary Budget screen — but they ARE filtered by this user's own Budget configuration, so another household member may see different totals. An argument error names the fix; anything else is a failure on our side or an account with no budget set up, and neither is fixed by rewriting the arguments. Read-only.

get_budget_overview

Split the user's spending and income over one period by category AND sub-category (for example Auto > Fuel), with transaction counts and the month-by-month series. Use it for "how much did I spend on fuel", "how did my food spending evolve over six months" and "which sub-categories rose most" (one call per period, then compare). The window is at most 12 months. Amounts agree with get_budget_overview; counts leave out the transactions the user's Budget settings exclude. Read-only.

spending_by_category

Split the user's spending or income over one period by transaction LABEL: one row per label with its totals, biggest first, at most 50, plus `other` for the rest. Use this for "where did my money go?" and to find the exact label before listing its transactions with list_transactions. Optionally narrowed by some text in the label. Same grain and filtering as get_budget_overview and search_spending, so the figures agree. Read-only.

group_spending

Total what the user spent or received on transactions whose LABEL matches some text, over one period. Use this for "how much did I spend at X?" — a shop, a subscription, a word that appears in the transaction name. Returns the total and the number of matching transactions, not the transactions themselves: to see which transactions make up a figure, call list_transactions with the same text and window. For a root category's total, for the window's own income or expense total, or for anything without a specific label to look for, use get_budget_overview instead — it covers the same window with the category and per-month breakdowns this tool does not have. Matching is on the label the bank wrote or the user renamed, case-insensitive, anywhere in the text; a zero is not proof the user never shopped somewhere: check the exact labels with group_spending. Amounts follow exactly the same grain and filtering rules as get_budget_overview, so the two agree and can be quoted together. Read-only.

search_spending

List the individual bank transactions of one period, newest first: date, amount, label, category and account, optionally narrowed by some text in the label. Use this for "when did I pay X?" or to show what makes up a figure from search_spending or group_spending. Paginated: while next_cursor is set there are more rows. Read-only.

list_transactions

List everything held inside one account — the individual investments and positions: stocks and funds, crypto, cash, real estate, precious metals and loans. On a loan, current_value is the capital still owed today, scaled to the shares the account's owners hold between them — not one person's, and not adjusted for ownership through a company — in the account's currency. Read it as the amount left to repay, not as the amount borrowed. On an SCPI held in usufruct (property_type usufruct), current_value is not a market value: the holder owns no capital, so it is the amount invested amortised to zero over the dismemberment period, and the line carries no buying price. Never value it from its shares at the SCPI's current or subscription price, and never read its decline as a loss.

holdings