MCP tools reference

Vaulty provides 46 tools. This list is read straight from the server code, so it always matches what is available. Protocol version: 2025-06-18.

All amounts use the organization’s recording currency (see get_organization), not always rupiah. Responses are JSON text. Write tools need a token with write access, and delete tools require confirm: true (the data goes to the trash for 30 days). The savings, bills, debts, health score, and heatmap tools are available on the Personal plan and above.

Summaries and analysis

get_organization (Read)

Organization info: name, plan, recording currency, your role, member count, and which features the plan includes. Call this first when unsure what is available.

No parameters

get_summary (Read)

Total income, total expenses, the difference, the five largest expense categories, and any budget categories over their limit for one month.

Parameters	Type
month	string	Month, format YYYY-MM. Empty = this month.

get_cashflow (Read)

Cash flow for the last few months: income, expenses, and the difference per month (up to 24 months).

Parameters	Type
months	integer	Number of months, 1 to 24. Default 6.
end_month	string	Last month, format YYYY-MM. Default this month.

get_insights (Read)

Spending insights for one month: each category's share. On the Family plan it adds a comparison with last month, an end-of-month projection, and spending per member.

Parameters	Type
month	string	Month, format YYYY-MM. Empty = this month.

get_report (Read)

Report data for one month or the whole period: income and expenses by category, budget versus actual, and a savings summary. Data only, not a PDF or Excel file.

Parameters	Type
month	string	Month, format YYYY-MM. Empty = this month.

get_financial_health (Read)

Financial health score from 0 to 100 for one month, with its four components and recommendations. Personal plan and above.

Parameters	Type
month	string	Month, format YYYY-MM. Empty = this month.

get_daily_spending (Read)

Spending per day in one month (the heatmap data): each day's total and intensity, the most expensive day, and the daily average. Personal plan and above.

Parameters	Type
month	string	Month, format YYYY-MM. Empty = this month.

Transactions

list_transactions (Read)

Latest transactions (income and expenses). Filter by type, month, and category. Up to 100 rows.

Parameters	Type
type	income | expense | all	Type: income or expense (list_transactions also accepts all).
month	string	Month, format YYYY-MM. Empty = this month.
category	string	Category name.
limit	integer	Number of rows, 1 to 100.

add_transaction (Write)

Record one income or expense. Needs a token with write access. Call list_categories first so the category and method match.

Parameters	Type
type (required)	income | expense	Type: income or expense (list_transactions also accepts all).
amount (required)	number	Amount in the organization's recording currency.
category (required)	string	Category name.
name (required)	string	Name or short label.
date	string	Date YYYY-MM-DD. Empty = today.
method	string	Payment method. Empty = the first method in the list.
note	string	Extra note.

update_transaction (Write)

Change one income or expense. Send only the fields to change. Transactions linked to savings or bills are refused; use the savings or bill tools instead.

Parameters	Type
type (required)	income | expense	Type: income or expense (list_transactions also accepts all).
id (required)	string	ID from a list_* tool.
date	string	Date YYYY-MM-DD. Empty = today.
name	string	Name or short label.
category	string	Category name.
method	string	Payment method. Empty = the first method in the list.
amount	number	Amount in the organization's recording currency.
note	string	Extra note.

delete_transaction (Delete)

Delete one transaction (goes to the trash for 30 days). Requires confirm: true after asking the user.

Parameters	Type
type (required)	income | expense	Type: income or expense (list_transactions also accepts all).
id (required)	string	ID from a list_* tool.
confirm (required)	boolean	Must be true. Ask the user before deleting.

Budgets

list_budgets (Read)

Budgets per category for one month, with the amount already spent and what remains.

Parameters	Type
month	string	Month, format YYYY-MM. Empty = this month.

set_budget (Write)

Create or change the budget of one category for one month.

Parameters	Type
month	string	Month, format YYYY-MM. Empty = this month.
category (required)	string	Category name.
amount (required)	number	Amount in the organization's recording currency.
rollover	boolean	Carry the remaining budget to next month.

delete_budget (Delete)

Delete the budget of one category in one month. Requires confirm: true.

Parameters	Type
month (required)	string	Month, format YYYY-MM. Empty = this month.
category (required)	string	Category name.
confirm (required)	boolean	Must be true. Ask the user before deleting.

Categories and auto rules

list_categories (Read)

The organization's income categories, expense categories, and payment methods. Call this before recording a transaction.

No parameters

add_category (Write)

Add an income category, expense category, or payment method.

Parameters	Type
kind (required)	income | expense | payment_method	Kind (Tabungan or Investasi for savings; income, expense, payment_method for categories).
name (required)	string	Name or short label.

delete_category (Delete)

Delete a category or payment method. Old transactions are unchanged. Requires confirm: true.

Parameters	Type
kind (required)	income | expense | payment_method	Kind (Tabungan or Investasi for savings; income, expense, payment_method for categories).
name (required)	string	Name or short label.
confirm (required)	boolean	Must be true. Ask the user before deleting.

list_categorization_rules (Read)

Auto-categorization rules (a text pattern routed to a category).

No parameters

add_categorization_rule (Write)

Create an auto-categorization rule: when a transaction name contains a pattern, route it to a category.

Parameters	Type
type (required)	expense | income	Type: income or expense (list_transactions also accepts all).
pattern (required)	string	Text pattern matched in the transaction name.
category (required)	string	Category name.
priority	integer	Priority order, an integer.
active	boolean	Active or not.

update_categorization_rule (Write)

Change an auto-categorization rule.

Parameters	Type
id (required)	string	ID from a list_* tool.
type	expense | income	Type: income or expense (list_transactions also accepts all).
pattern	string	Text pattern matched in the transaction name.
category	string	Category name.
priority	integer	Priority order, an integer.
active	boolean	Active or not.

delete_categorization_rule (Delete)

Delete an auto-categorization rule. Requires confirm: true.

Parameters	Type
id (required)	string	ID from a list_* tool.
confirm (required)	boolean	Must be true. Ask the user before deleting.

Savings and goals

list_savings (Read)

Savings and investments: each account's balance and the latest deposits and withdrawals. Personal plan and above.

Parameters	Type
limit	integer	Number of rows, 1 to 100.

add_savings_entry (Write)

Record a savings or investment deposit or withdrawal (Personal plan and above). A deposit is also recorded as an expense; a withdrawal returns money to the wallet without counting as income.

Parameters	Type
date	string	Date YYYY-MM-DD. Empty = today.
kind (required)	Tabungan | Investasi	Kind (Tabungan or Investasi for savings; income, expense, payment_method for categories).
account (required)	string	Savings or investment account name.
deposit	number	Deposit, 0 or more.
withdrawal	number	Withdrawal, 0 or more.
note	string	Extra note.

update_savings_entry (Write)

Change a savings entry. Its linked deposit and withdrawal transactions are adjusted too.

Parameters	Type
id (required)	string	ID from a list_* tool.
date	string	Date YYYY-MM-DD. Empty = today.
kind	Tabungan | Investasi	Kind (Tabungan or Investasi for savings; income, expense, payment_method for categories).
account	string	Savings or investment account name.
deposit	number	Deposit, 0 or more.
withdrawal	number	Withdrawal, 0 or more.
note	string	Extra note.

delete_savings_entry (Delete)

Delete a savings entry together with its linked expense or income. Requires confirm: true.

Parameters	Type
id (required)	string	ID from a list_* tool.
confirm (required)	boolean	Must be true. Ask the user before deleting.

list_savings_targets (Read)

Savings goals with progress, what remains, days left, and a suggested monthly deposit. Personal plan and above.

No parameters

add_savings_target (Write)

Create a savings goal linked to one savings account (Personal plan and above).

Parameters	Type
name (required)	string	Name or short label.
target_amount (required)	number	Target amount, greater than 0.
start_date	string	Start date YYYY-MM-DD. Default today.
target_date (required)	string	Target date YYYY-MM-DD.
linked_account (required)	string	Savings account used to calculate progress.

update_savings_target (Write)

Change a savings goal. Send only the fields that change.

Parameters	Type
id (required)	string	ID from a list_* tool.
name	string	Name or short label.
target_amount	number	Target amount, greater than 0.
start_date	string	Start date YYYY-MM-DD. Default today.
target_date	string	Target date YYYY-MM-DD.
linked_account	string	Savings account used to calculate progress.

delete_savings_target (Delete)

Delete a savings goal. Requires confirm: true.

Parameters	Type
id (required)	string	ID from a list_* tool.
confirm (required)	boolean	Must be true. Ask the user before deleting.

Bills

list_bills (Read)

Recurring bills with their status for a given month (paid, unpaid, overdue). Personal plan and above.

Parameters	Type
month	string	Month, format YYYY-MM. Empty = this month.

add_bill (Write)

Create a bill that repeats every month (Personal plan and above).

Parameters	Type
name (required)	string	Name or short label.
category (required)	string	Category name.
amount (required)	number	Amount in the organization's recording currency.
due_day (required)	integer	Due day each month, 1 to 31.
starts_from	string	Starts from month YYYY-MM. Default this month.
ends_at	string	Ends at month YYYY-MM, or "ongoing" (default).
note	string	Extra note.
active	boolean	Active or not.

update_bill (Write)

Change a recurring bill. Send only the fields that change.

Parameters	Type
id (required)	string	ID from a list_* tool.
name	string	Name or short label.
category	string	Category name.
amount	number	Amount in the organization's recording currency.
due_day	integer	Due day each month, 1 to 31.
starts_from	string	Starts from month YYYY-MM. Default this month.
ends_at	string	Ends at month YYYY-MM, or "ongoing" (default).
note	string	Extra note.
active	boolean	Active or not.

delete_bill (Delete)

Delete a bill together with its payment history. Requires confirm: true.

Parameters	Type
id (required)	string	ID from a list_* tool.
confirm (required)	boolean	Must be true. Ask the user before deleting.

pay_bill (Write)

Mark a bill as paid for one month and record the expense.

Parameters	Type
bill_id (required)	string	Bill ID from list_bills.
month	string	Month, format YYYY-MM. Empty = this month.
amount	number	Amount in the organization's recording currency.
paid_at	string	Payment date YYYY-MM-DD. Default today.

unpay_bill (Delete)

Undo the paid status for one month together with its linked expense. Requires confirm: true.

Parameters	Type
bill_id (required)	string	Bill ID from list_bills.
month (required)	string	Month, format YYYY-MM. Empty = this month.
confirm (required)	boolean	Must be true. Ask the user before deleting.

Debts

list_debts (Read)

Debts and receivables with what remains and their status. Personal plan and above.

Parameters	Type
include_payments	boolean	Include payment history. Default false.

add_debt (Write)

Record a debt (owed, you owe) or a receivable (receivable, someone owes you). Personal plan and above.

Parameters	Type
direction (required)	owed | receivable	owed (you owe) or receivable (someone owes you).
name (required)	string	Name or short label.
principal (required)	number	Principal.
remaining	number	Remaining. Default equals the principal.
interest_rate	number	Interest in percent. Default 0.
due_date	string	Due date YYYY-MM-DD (optional).
note	string	Extra note.

update_debt (Write)

Change a debt or receivable. Send only the fields that change.

Parameters	Type
id (required)	string	ID from a list_* tool.
direction	owed | receivable	owed (you owe) or receivable (someone owes you).
name	string	Name or short label.
principal	number	Principal.
remaining	number	Remaining. Default equals the principal.
interest_rate	number	Interest in percent. Default 0.
due_date	string | null	Due date YYYY-MM-DD (optional).
status	active | paid	active or paid.
note	string	Extra note.

delete_debt (Delete)

Delete a debt together with its payment history. Requires confirm: true.

Parameters	Type
id (required)	string	ID from a list_* tool.
confirm (required)	boolean	Must be true. Ask the user before deleting.

pay_debt (Write)

Record an installment on a debt or a payment received on a receivable, and reduce what remains. It cannot exceed the remaining amount.

Parameters	Type
id (required)	string	ID from a list_* tool.
amount (required)	number	Amount in the organization's recording currency.
paid_at	string	Payment date YYYY-MM-DD. Default today.
note	string	Extra note.

Net worth

list_net_worth (Read)

Assets and liabilities for net worth, with the totals.

No parameters

add_net_worth_item (Write)

Add an asset or a liability for net worth.

Parameters	Type
type (required)	asset | liability	Type: income or expense (list_transactions also accepts all).
name (required)	string	Name or short label.
category (required)	string	Category name.
value (required)	number	Value of the asset or liability.
as_of_date	string	Value date YYYY-MM-DD. Default today.
note	string	Extra note.

update_net_worth_item (Write)

Change a net worth item. Send only the fields that change.

Parameters	Type
id (required)	string	ID from a list_* tool.
type	asset | liability	Type: income or expense (list_transactions also accepts all).
name	string	Name or short label.
category	string	Category name.
value	number	Value of the asset or liability.
as_of_date	string	Value date YYYY-MM-DD. Default today.
note	string	Extra note.

delete_net_worth_item (Delete)

Delete a net worth item. Requires confirm: true.

Parameters	Type
id (required)	string	ID from a list_* tool.
confirm (required)	boolean	Must be true. Ask the user before deleting.

Activity and trash

list_activity (Read)

Latest organization activity log: who added, changed, or deleted what.

Parameters	Type
limit	integer	Number of rows, 1 to 100.

list_trash (Read)

Recently deleted data that can still be restored within 30 days. Restoring is done from the Trash menu in the app, not through MCP.

No parameters