Available tools

The Paisa MCP server exposes 39 tools across 19 groups. Any MCP-compatible AI assistant can call them based on your conversation.

Transactions

Tool	Title	Class	Description
get_transactions	Search Transactions	read-only	Search transactions: compact rows (limit 25, max 100), more/cursor paging, page-1 spent/income totals over the whole filter. Counterparty: personName or personId. search matches merchant names only, not descriptions. full: true = raw joined rows (much larger).
get_uncategorized_groups	Group Uncategorized Transactions	read-only	Token-cheap categorizing: groups uncategorized transactions by merchant-like pattern and returns {pattern,t:‘dr'
categorize_groups	Categorize Transaction Groups	write	Categorize whole groups from get_uncategorized_groups: every matching uncategorized transaction, plus a learning rule for future imports. Unknown categorySlug fails before any write; dryRun previews.
backfill_persons	Backfill Persons from Transactions	write (idempotent)	Create persons from UPI/IMPS counterparties in unlinked transactions (deduped by name) and link those transactions to them. Idempotent. dryRun previews.
update_transaction	Update Transaction	write (idempotent)	Update a transaction’s category, merchant, owner, notes, or flags.
bulk_link_entity	Bulk Link Transactions	write (idempotent)	Link transactions to a merchant or person in bulk (exactly one of merchantId/personId per link), optionally setting categoryId.
manage_duplicates	Manage Duplicate Transactions	write	Duplicates and money conflicts. flag: transactionId (excluded from totals). list. resolve: ids + resolution (ignore
get_reconciliation_context	Get Reconciliation Context	read-only	Existing transactions of one account in a date range, for reconciling a statement before import (overlaps, duplicates).
bulk_categorize_transactions	Bulk Categorize Transactions	write (idempotent)	Set the category of many transactions at once (no merchant/person link).
delete_transactions	Delete Transactions	destructive	Hard-delete transactions. PERMANENT — confirm first. Exactly one of id, ids, filters (deletes every match). Matching everything needs confirmDeleteAll.
rescan_transactions	Rescan Transactions	write (idempotent)	Apply saved learning rules (merchant aliases, category rules) to uncategorized transactions, like the web app’s auto-categorize.
get_settlement_candidates	Find Settlement Candidates	read-only	Bank debits that look like bill payments of a credit card. After importing a CC statement, mark them as transfers to avoid double-counting.
get_transaction	Get Transaction	read-only	One transaction by id (date, amount, type, description, links, flags).

Statement import

Tool	Title	Class	Description
preview_import	Preview Statement Import	read-only	Preview a local statement; writes nothing. pdf (HDFC savings/cards, Amex, SBI savings): filePath, account (create it first with upsert_entity) — returns already-in-Paisa / conflict / new counts; then import_statement with the same args. csv: filePath — returns headers, sample rows, detected mapping. cas (CDSL CAS): filePath, password.
import_statement	Import Statement	write	Import transactions, then auto-categorize. pdf: filePath, account — only rows preview_import reported new. csv: filePath, mapping (from preview_import); duplicates skipped; date overlap → 409 unless force; not in private mode. rows: accountId, source, granularity, transactions (reconciled). json_file: same but filePath of a JSON array of those rows — for large statements. cas: filePath, password — adds untracked holdings.

Jev auto-categorize

Tool	Title	Class	Description
auto_categorize_jev	Auto-Categorize with Jev	write	Auto-categorize uncategorized groups with Jev (TypeSafe’s classifier, no LLM tokens). Opt-in: needs JEV_API_KEY; refused in private mode (sends transaction text to a third party) unless JEV_ALLOW_PRIVATE_MODE=1, then only the sanitized merchant pattern is sent. Groups at/above minConfidence get categorized + a rule; the rest return in review for categorize_groups. dryRun previews.

Entities (lists, upserts, deletes)

Tool	Title	Class	Description
list_entities	List Entities	read-only	List data. Optional filters — persons: id; merchants: rawId (UPI ID or name); budgets: month, year. Required — learning: slice; goal_contributions: id (goal UUID); investment_transactions: id (holding UUID). alerts = unread; recurring = auto-detected subscriptions/rent/salary.
upsert_entity	Create or Update Entity	write	Create (omit id) or update (pass id) an entity. Required on create — merchant: rawId. person: name. category: name, slug, type. bank_account: name, bankName, type, last4, owner. insurance: name, type, provider, premiumAmount, premiumFrequency, startDate, owner. invite: email (create only; returns the invite URL).
delete_entity	Delete Entity	destructive	Delete by id. PERMANENT — confirm with the user first. merchant: id or ids (bulk); transactions are unlinked, not deleted. person: 409 while transactions reference it. category: custom only. debt: prefer manage_debt action=settle. invite: pending only.

Merchants

Tool	Title	Class	Description
merge_merchants	Merge Merchants	destructive	Merge duplicate merchants into primaryId: their transactions are re-pointed to it and the duplicates deleted. PERMANENT — confirm with the user first.

Analytics

Tool	Title	Class	Description
get_analytics	Get Analytics	read-only	Analytics over the last months (default 6). spending_trends: per-month totals by category type, category breakdown, budget vs actual (for one month, read its row). category_analytics: one category over time (slug required). merchant_analytics: one merchant’s history and total (id required).

Goals & EMIs

Tool	Title	Class	Description
upsert_savings	Create or Update Savings Vehicle	write	Create (omit id) or update (pass id) a savings goal, EMI or sinking fund. Amounts: ₹ decimal strings; dates YYYY-MM-DD. Required on create — goal: goalType, name, targetAmount. emi: name, totalAmount, emiAmount, startDate, endDate, totalMonths, owner. sinking_fund: name, targetAmount, targetDate, monthlyContribution. status — goal: active
contribute_to_goal	Contribute to Goal	write	Add a contribution to a savings goal.

Budgets

Tool	Title	Class	Description
set_budget	Set Budget	write (idempotent)	Create or update a category’s budget. period: week, month (default), year.

Dashboard

Tool	Title	Class	Description
get_dashboard	Get Dashboard	read-only	Dashboard: this month’s income/needs/wants/investments, spending trends (last months, default 6), recent transactions, latest net worth.

Recurring & subscriptions

Tool	Title	Class	Description
sync_recurring	Sync Recurring Merchants	write (idempotent)	Flag recurring merchants (isRecurring) detected from transaction history. Run after importing statements.

Alerts

Tool	Title	Class	Description
check_alerts	Check Alerts	write	Generate and return alerts: budget overruns, unusual spending, EMIs ending, insurance renewals. Call at the start of a finance conversation.
manage_alerts	Manage Alerts and Rules	write (idempotent)	Alerts and alert rules. dismiss: id. read: id, or all:true. list_rules. set_rule: type (e.g. budget_threshold) + enabled and/or threshold. list_custom / set_custom: own rules (scope, targetId, period, amount, owner; id edits). Delete: delete_entity custom_alert_rule.

Debts

Tool	Title	Class	Description
manage_debt	Add or Settle Debt	write	Record or settle a debt (owed or owing). add: name, amount, type required (dueDate, notes optional). settle: id required; sets balance to settledAmount (default 0).

Reports

Tool	Title	Class	Description
generate_monthly_report	Generate Monthly Report	write (idempotent)	Generate and save a monthly report: income, expenses, savings rate, top categories, insights. Re-running overwrites.
get_report	Get Report	read-only	Read a report. monthly: income, expenses, savings rate, net worth for the last months (default 6). net_worth: current + up to 12 months (cash, investments, emergency fund, liabilities). upcoming: EMIs, SIPs, renewals, card bills due in the next days (1-365, default 60). heatmap: daily spend for a year (default this year).

Export

Tool	Title	Class	Description
export_transactions	Export Transactions	read-only	Export transactions (full rows) when the user asks for an export or dump.

Household learning

Tool	Title	Class	Description
set_learning_rule	Set Learning Rule	write (idempotent)	Save a categorizer rule: this merchant (type=merchant, merchantId) or person (type=person, personId) always gets categoryId.

Net worth

Tool	Title	Class	Description
update_net_worth	Update Net Worth	write (idempotent)	Save a month’s net worth snapshot (upsert). mode=manual (default): the given ₹ decimal strings, omitted = 0. mode=auto: computed from investments, FDs and accounts in Paisa; value fields ignored.

Investments

Tool	Title	Class	Description
upsert_investment	Create or Update Investment	write	Create (omit id) or update (pass id) an investment. Amounts: ₹ decimal strings; dates YYYY-MM-DD. Required on create — sip: name, amount (monthly), startDate, sipDay, owner; pause/stop via status. fixed_deposit: bankName, amount, interestRate, startDate, maturityDate, owner. holding (manual position; same name+platform updates it): name, holdingType, owner, investedAmount, currentValue.
sync_zerodha	Sync Zerodha	write (idempotent, external)	Zerodha link. token_health: is the access token still valid (expired → re-login in the web app). sync: pull latest stocks, MFs and SIPs.

Settings

Tool	Title	Class	Description
get_settings	Get Settings	read-only	profile: name, email, owner. household: currency, locale, owner labels, members. encryption: mode, PIN.
update_settings	Update Settings	write (idempotent)	profile: name. household: name, currency, locale, ownerLabels. preferences: prefs (layout, theme, density, homeCards, startTab, list style, sorts).

Encryption & privacy

Tool	Title	Class	Description
set_encryption_mode	Set Encryption Mode	destructive	Switch encryption mode. ‘private’ works only if the user already set up a PIN in the web app (this tool cannot create keys). ‘standard’ is refused while client-encrypted data exists, so it normally fails from MCP. Confirm with the user first.

Renamed / removed tool names

The 78 -> 39 tool consolidation (0.2.0) renamed the tools below; the old names still worked as hidden tools/list aliases through 0.2.x. 0.3.0 removed them — calling an old name now returns the SDK’s unknown-tool error. list_waitlist and send_test_push (admin-only) were removed from MCP entirely (no replacement).

Old tool (removed in 0.3.0)	New tool	Arguments
import_statement_pdf	preview_import / import_statement	from: “pdf”
import_csv_parse	preview_import	from: “csv”
import_csv_confirm	import_statement	from: “csv”
import_statement_batch	import_statement	from: “rows”
import_statement_file	import_statement	from: “json_file”
list_categories	list_entities	entity: “categories”
list_merchants	list_entities	entity: “merchants”
list_bank_accounts	list_entities	entity: “bank_accounts”
list_persons	list_entities	entity: “persons”
list_budgets	list_entities	entity: “budgets”
list_debts	list_entities	entity: “debts”
list_invites	list_entities	entity: “invites”
list_alerts	list_entities	entity: “alerts”
list_recurring	list_entities	entity: “recurring”
list_push_subscriptions	list_entities	entity: “push_subscriptions”
list_saved_reports	list_entities	entity: “saved_reports”
list_learning	list_entities	entity: “learning”, slice:
list_savings	list_entities	entity: (contributions → goal_contributions)
list_investments	list_entities	entity: (transactions → investment_transactions)
upsert_merchant	upsert_entity	entity: “merchant”
upsert_person	upsert_entity	entity: “person”
upsert_category	upsert_entity	entity: “category”
upsert_bank_account	upsert_entity	entity: “bank_account”
upsert_insurance	upsert_entity	entity: “insurance”
create_invite	upsert_entity	entity: “invite”
delete_category	delete_entity	entity: “category”
delete_merchant	delete_entity	entity: “merchant”
delete_person	delete_entity	entity: “person”
delete_debt	delete_entity	entity: “debt”
revoke_invite	delete_entity	entity: “invite”
delete_savings	delete_entity	entity:
delete_investment	delete_entity	entity:
dismiss_alert	manage_alerts	action: “dismiss”
mark_alert_read	manage_alerts	action: “read”
list_alert_rules	manage_alerts	action: “list_rules”
set_alert_rule	manage_alerts	action: “set_rule”
add_debt	manage_debt	action: “add”
settle_debt	manage_debt	action: “settle”
get_reports	get_report	report: “monthly”
get_net_worth	get_report	report: “net_worth”
get_upcoming	get_report	report: “upcoming”
get_spending_heatmap	get_report	report: “heatmap”
get_profile	get_settings	section: “profile”
get_household	get_settings	section: “household”
get_encryption_status	get_settings	section: “encryption”
update_profile	update_settings	section: “profile”
update_household	update_settings	section: “household”