Borderless Budget

One financial account by the `id` get_financial_accounts returns: current and available balance (native and home currency), sync freshness, this calendar month's money in and out in the account's currency (transfer categories excluded), and its balance history over `range` (default 3M; a series over 92 points is cut to each month's last point). Use get_financial_accounts for every account at once, list_transactions with financialAccountIds for its transactions, get_holdings for its positions.

get_account

Per-category budget vs actual for a month, in home currency. Returns paceDay (0–1 fraction of month elapsed), expense rollup totals (rollupBudgeted/rollupRollover/rollupAvailable cover expense-type rows; rollupSpent is all of the month's spending, including unbudgetedSpent, the spending in categories without a budget; rollupRemaining = rollupAvailable - rollupSpent), income aggregates (incomeBudgeted/incomeActual/incomeRemaining for income-type rows, 0.00 when none), and per-category rows with categoryType/budgeted/rollover/available/spent/remaining/percentUsed/status. budgeted is the month's budget amount; rollover is what earlier months carried in (0.00 when rollover is off); available = budgeted + rollover; remaining = available - spent, matching the budgets page exactly (the recurring floor is not subtracted). percentUsed = spent / available. status is computed: 'over' (spent exceeds available, including any spending against a 0.00 available), 'warning' (percentUsed > paceDay + 0.10), else 'on-track'. An income row's spent is money received (budget vs actual), never counted in the rollups. Foreign-currency transactions still awaiting conversion are excluded from spent and counted in `unconvertedCount` — when nonzero, disclose that spent figures are temporarily incomplete. Rows are the month's budgeted categories plus any category carrying rollover (listed with budgeted 0.00); other categories are NOT returned as rows, but their spending is in unbudgetedSpent and rollupSpent. month defaults to the current month; format YYYY-MM.

get_budget_status

Cash flow for a period: total income, total spending, net (income − spending), and savings rate. Returns home-currency totals plus per-category breakdowns on both sides. Use this to answer 'did I save anything?', 'what's my savings rate?', or 'where did my money come from?'. Period accepts { from, to } YYYY-MM-DD or { kind } (this_month, last_month, last_30_days, last_6_months, ytd, last_year); defaults to last_30_days. Transfer-category transactions are excluded from both sides. Foreign-currency transactions still awaiting conversion are excluded from both sides and counted in `unconvertedCount` — when nonzero, disclose that totals are temporarily incomplete. savingsRate is null when income is 0 — disclose to the user rather than reporting 0.

get_cash_flow

The user's connected financial accounts (checking, savings, credit cards, brokerages, etc.) with current native AND home-currency balances, native available balance, and a lastSyncedAt freshness signal. Use this to answer 'can I afford X?' or 'how much do I have in Y?' questions. Sum currentBalanceHome across rows for a cross-currency total, but skip rows where currentBalanceHome is null (rate missing — disclose the gap rather than guess). availableBalance is the bank's spendable figure and may be null on accounts like credit cards. Disclose lastSyncedAt when material to the answer; balances are as-of that timestamp.

get_financial_accounts

Individual investment-account transactions (buys, sells, dividends, interest, fees, deposits and withdrawals inside brokerage/investment accounts), newest first: date, account, security, type/subtype, quantity, unit price, native amount and home-currency equivalent. This is the separate investment ledger: none of these rows are spending or income, and they are not in list_transactions or any spending, cash-flow or budget figure. Filter with financialAccountIds and an inclusive from/to date range; page with limit (max 50) and offset.

get_investment_activity

The user's investment holdings across connected and manual investment/brokerage accounts: each security, cash, or manual-valuation row with its home-currency value, unrealized gain/loss, average cost and total return (null when cost basis is unknown), and per-account positions (quantity and native value), plus balance / invested / uninvested totals in home currency, allocation by type and by account, and investment-account income over the last 12 months (dividends, interest, fund distributions paid inside the investment accounts; total, per month, per kind). These are investment-ledger figures: holdings value, gain/loss and that investment income are never spending, budget income, or budget. Use get_investment_activity for individual buys, sells and dividends, and get_net_worth for the all-accounts total. Takes no arguments.

get_holdings

List the authenticated account's transactions for an optional period and filter set. Returns native + home-currency amounts and excludes transfer-category rows by default. All filter fields are TOP-LEVEL on the input object (no `filter` wrapper). Filters (all optional, all server-evaluated): `merchant` is a canonical-merchant substring (case-insensitive ILIKE); `categorySlugs` restricts to listed slugs; `financialAccountIds` restricts to listed account public_ids; `amountMin`/`amountMax` bound the transaction's home-currency amount (read `bb://financial-accounts` for `homeCurrency`) as 2-decimal strings (e.g. "100.00"). When the user's prompt uses a different currency symbol than the home currency, disclose the conversion assumption in the answer. `isRecurring` matches whether a transaction is part of an approved recurring rule. Paginated; pass `cursor` from the previous response to get the next page.

list_transactions

Current net worth in the user's home currency: total = assets - liabilities across the accounts the user has connected or entered, with nothing imputed, plus a daily trend series over the last trendMonths months (delta, trendStart, trendQuality, connectionsLinkedDuringTrend). Balances are signed: a credit-card credit balance increases net worth; an overdrawn asset account reduces assets. Manually-tracked debts held outside those accounts are not included. Use this when the user asks what they are worth, whether their net worth is growing, or what changed over time. Not for individual account balances (use get_financial_accounts) or income vs spending (use get_cash_flow). trendMonths: 1-24, default 6; 0 skips the trend.

get_net_worth

Full list of the user's recurring rules (subscriptions, monthly bills, yearly payments) with annualized cost + monthly equivalent in home currency. Use this to answer 'what subscriptions am I paying for?' or 'how much do my subs cost per year?'. Each rule includes frequency, native + home amounts, last observed date, and the account it most recently pulled from. Sorted by annualizedCost DESC. `status` defaults to 'approved' (excludes paused rules); pass 'all' to include paused. `frequency` defaults to 'any'.

get_recurring_summary

Total spending grouped by category for a given period, returned in the user's home currency, plus a `byCurrency` decomposition of the same spend by the transaction's native currency — each bucket carrying its native total, home total, the effective rate implied by the stored conversions (home units per native unit) and the span of exchange-rate dates behind them. Excludes transfer-category transactions. Foreign-currency transactions still awaiting conversion (no FX rate yet) are excluded from all totals and counted in `unconvertedCount` — when it is nonzero, disclose to the user that totals are temporarily incomplete. Period accepts either { from, to } YYYY-MM-DD strings or { kind } where kind is one of 'this_month', 'last_month', 'last_30_days', 'last_6_months', 'ytd', 'last_year'. Defaults to last_30_days.

get_spending_by_category