# MCP tool reference

Reference for every tool in the Savi MCP server: names, descriptions, required scope, whether it changes data, and input parameters.

Last updated October 2, 2026

| Tool | Summary | Effect | Scope |
| --- | --- | --- | --- |
| [`advance_test_clock`](https://financesavi.com/developers/mcp/tools/advance_test_clock) | Moves a test clock forward using the clock.id returned by create\_test\_clock or read\_test\_clock. Time cannot move backwards; transactions and goal contributions scheduled up to the new time become posted in the clock sna… | Changes data | `write` |
| [`create_account`](https://financesavi.com/developers/mcp/tools/create_account) | Creates a new account for the authenticated user. | Creates data | `write` |
| [`create_expense_projection`](https://financesavi.com/developers/mcp/tools/create_expense_projection) | Creates an expense projection (expected future spending). | Creates data | `write` |
| [`create_goal`](https://financesavi.com/developers/mcp/tools/create_goal) | Creates a new saving goal for the authenticated user. | Creates data | `write` |
| [`create_income_projection`](https://financesavi.com/developers/mcp/tools/create_income_projection) | Creates an income projection (expected future income). | Creates data | `write` |
| [`create_invoice`](https://financesavi.com/developers/mcp/tools/create_invoice) | Creates a draft or sent invoice. Requires accountId from list\_accounts plus line items and dates (ISO 8601). accountId (when you have a single account or one named Main Checking), status and dates are inferred when omit… | Creates data | `write` |
| [`create_life_plan`](https://financesavi.com/developers/mcp/tools/create_life_plan) | Creates a new life plan — the top-level container for saving goals, income projections, and expense projections. | Creates data | `write` |
| [`create_rule`](https://financesavi.com/developers/mcp/tools/create_rule) | Creates a transaction automation rule with optional conditions and at least one action. If conditions/actions are omitted, MCP infers vendor match and category actions from the name (e.g. "Auto-categorize Starbucks as F… | Creates data | `write` |
| [`create_saved_filter`](https://financesavi.com/developers/mcp/tools/create_saved_filter) | Creates a saved transaction filter with name and filterCriteria (accounts, categories, tags, date range, etc.). If filterCriteria is omitted or empty, MCP infers type and categories from the name; supplied criteria are… | Creates data | `write` |
| [`create_shared_account`](https://financesavi.com/developers/mcp/tools/create_shared_account) | Creates a new shared account: family (accountType HOUSEHOLD) or enterprise (accountType GROUP). | Creates data | `write` |
| [`create_tag`](https://financesavi.com/developers/mcp/tools/create_tag) | Creates a new tag for labeling transactions. | Creates data | `write` |
| [`create_test_clock`](https://financesavi.com/developers/mcp/tools/create_test_clock) | Creates a disposable, identity-owned simulation for agent testing. Supply RFC 3339 timestamps; scheduled events must fall between frozenTime and maxTime. Accepts at most 100 transactions and 25 goals with up to 100 cont… | Creates data | `write` |
| [`create_time_log`](https://financesavi.com/developers/mcp/tools/create_time_log) | Creates a time-tracking entry. Requires startTime (ISO 8601), or notes with an explicit duration like '2 hours', '1h30m' or '45 minutes'. When startTime is omitted and notes contain a duration, the entry starts at 09:00… | Creates data | `write` |
| [`create_transaction`](https://financesavi.com/developers/mcp/tools/create_transaction) | Creates a new transaction for the authenticated user on one of their accounts. | Creates data | `write` |
| [`delete_account`](https://financesavi.com/developers/mcp/tools/delete_account) | Deletes one account by accountId for the authenticated user. | Deletes data | `write` |
| [`delete_file`](https://financesavi.com/developers/mcp/tools/delete_file) | Deletes a file by fileId from list\_files. If fileId is unknown, pass fileName: only an exact name match (case-insensitive, extension optional) is deleted; otherwise the tool returns the candidate files to ask about. | Deletes data | `write` |
| [`delete_goal`](https://financesavi.com/developers/mcp/tools/delete_goal) | Deletes one saving goal by savingGoalId for the authenticated user. | Deletes data | `write` |
| [`delete_invoice`](https://financesavi.com/developers/mcp/tools/delete_invoice) | Deletes a draft invoice by invoiceId. Only DRAFT invoices can be deleted. | Deletes data | `write` |
| [`delete_projection`](https://financesavi.com/developers/mcp/tools/delete_projection) | Deletes an income or expense projection by projectionId. | Deletes data | `write` |
| [`delete_rule`](https://financesavi.com/developers/mcp/tools/delete_rule) | Deletes a transaction rule by ruleId or exact ruleName. Requires ownership (OWNER/COOWNER). | Deletes data | `write` |
| [`delete_saved_filter`](https://financesavi.com/developers/mcp/tools/delete_saved_filter) | Deletes a saved filter by savedFilterId or exact savedFilterName. | Deletes data | `write` |
| [`delete_shared_account`](https://financesavi.com/developers/mcp/tools/delete_shared_account) | Deletes a shared account (family HOUSEHOLD or enterprise GROUP) by organizationId. | Deletes data | `write` |
| [`delete_tag`](https://financesavi.com/developers/mcp/tools/delete_tag) | Deletes a tag by tagId. Get tagId from list\_tags, or pass tagName with the exact tag name. A partial name (e.g. "business") is not deleted; this lists the similar tags so you can ask which one. | Deletes data | `write` |
| [`delete_test_clock`](https://financesavi.com/developers/mcp/tools/delete_test_clock) | Permanently deletes the owned test clock selected by the clock.id returned by create\_test\_clock or read\_test\_clock. Ordinary financial records are not affected. | Deletes data | `write` |
| [`delete_time_log`](https://financesavi.com/developers/mcp/tools/delete_time_log) | Soft-deletes a time log by entryId. | Deletes data | `write` |
| [`delete_transaction`](https://financesavi.com/developers/mcp/tools/delete_transaction) | Deletes one transaction by transactionId for the authenticated user. | Deletes data | `write` |
| [`get_current_user_info`](https://financesavi.com/developers/mcp/tools/get_current_user_info) | Returns the authenticated user's personal profile and every user identity the credential can access. | Read-only | `read` |
| [`get_financial_plan`](https://financesavi.com/developers/mcp/tools/get_financial_plan) | Returns a unified financial plan: life plans, saving goals, income/expense projections, plus chart-ready series for visualization. | Read-only | `read` |
| [`get_notification_settings`](https://financesavi.com/developers/mcp/tools/get_notification_settings) | Returns notification preferences (insight summary email cadence, etc.) from the user's profile. | Read-only | `read` |
| [`get_spending_analytics`](https://financesavi.com/developers/mcp/tools/get_spending_analytics) | Answers questions about how much the user spent or earned — totals plus category, tag, and vendor breakdowns. | Read-only | `read` |
| [`list_accounts`](https://financesavi.com/developers/mcp/tools/list_accounts) | Lists every Savi Finance account (bank, credit card, crypto, manual, etc.) the authenticated user has access to. | Read-only | `read` |
| [`list_agent_connections`](https://financesavi.com/developers/mcp/tools/list_agent_connections) | Lists the user's active agent/connector connections. Call list\_agents for available agent types. | Read-only | `read` |
| [`list_agents`](https://financesavi.com/developers/mcp/tools/list_agents) | Lists available integration agents (connectors) and their capabilities. For user's active connections, call list\_agent\_connections. | Read-only | `read` |
| [`list_alerts`](https://financesavi.com/developers/mcp/tools/list_alerts) | Lists spending/category alerts (notification thresholds). For push/email prefs use get\_notification\_settings. | Read-only | `read` |
| [`list_categories`](https://financesavi.com/developers/mcp/tools/list_categories) | Lists every transaction category visible to the authenticated user — both the global catalog (e.g. FOOD\_AND\_DRINK, RENT\_AND\_UTILITIES, INCOME) and any user-defined categories. | Read-only | `read` |
| [`list_expense_projections`](https://financesavi.com/developers/mcp/tools/list_expense_projections) | Lists expense projections (expected future spending) for the authenticated user. | Read-only | `read` |
| [`list_files`](https://financesavi.com/developers/mcp/tools/list_files) | Lists uploaded files/receipts for the authenticated user (limit defaults to 50, at most 100; page with skip while hasMore is true). Use file.id as fileId in update\_file or delete\_file. | Read-only | `read` |
| [`list_goals`](https://financesavi.com/developers/mcp/tools/list_goals) | Lists every saving goal for the authenticated user across all life plans. | Read-only | `read` |
| [`list_income_projections`](https://financesavi.com/developers/mcp/tools/list_income_projections) | Lists income projections (expected future income streams) for the authenticated user. | Read-only | `read` |
| [`list_invoices`](https://financesavi.com/developers/mcp/tools/list_invoices) | Lists invoices for an account. Use invoice.id as invoiceId in read\_invoice, update\_invoice, or delete\_invoice. | Read-only | `read` |
| [`list_life_plans`](https://financesavi.com/developers/mcp/tools/list_life_plans) | Lists life plans for the authenticated user, including embedded saving goals, income blocks, and expense blocks. | Read-only | `read` |
| [`list_rules`](https://financesavi.com/developers/mcp/tools/list_rules) | Lists transaction automation rules. Use rule.id as ruleId in update\_rule or delete\_rule. | Read-only | `read` |
| [`list_saved_filters`](https://financesavi.com/developers/mcp/tools/list_saved_filters) | Lists saved transaction filters (limit defaults to 10, at most 100; page with skip). Use savedFilter.id as savedFilterId in update\_saved\_filter or delete\_saved\_filter. | Read-only | `read` |
| [`list_shared_accounts`](https://financesavi.com/developers/mcp/tools/list_shared_accounts) | Lists family shared accounts (HOUSEHOLD) the user belongs to. | Read-only | `read` |
| [`list_spendables`](https://financesavi.com/developers/mcp/tools/list_spendables) | Lists monthly spendable (guilt-free spend) limits for the authenticated user. To change limits use update\_spendable; for threshold alerts use list\_alerts; for email preferences use get\_notification\_settings. | Read-only | `read` |
| [`list_subscriptions`](https://financesavi.com/developers/mcp/tools/list_subscriptions) | Finds the recurring subscriptions and bills the user pays, detected from transaction history. Read-only. | Read-only | `read` |
| [`list_tags`](https://financesavi.com/developers/mcp/tools/list_tags) | Lists tags belonging to the authenticated user. | Read-only | `read` |
| [`list_time_logs`](https://financesavi.com/developers/mcp/tools/list_time_logs) | Lists time-tracking entries. Use entry.id as entryId in update\_time\_log or delete\_time\_log. Pass periodHint or filter.search like "this week" to infer a start-time range. | Read-only | `read` |
| [`list_transactions`](https://financesavi.com/developers/mcp/tools/list_transactions) | Lists transactions for the authenticated user with optional filters. Call this to: • Verify a transaction was created (call after create\_transaction). • Show recent transaction history to the user. • Search for a specif… | Read-only | `read` |
| [`list_trip_mileage_logs`](https://financesavi.com/developers/mcp/tools/list_trip_mileage_logs) | Lists trip/mileage deduction transactions (tagged mileage-deduction or name contains 'mileage'). | Read-only | `read` |
| [`list_unusual_transactions`](https://financesavi.com/developers/mcp/tools/list_unusual_transactions) | Flags expense transactions that look unusual compared with the user's own history. Read-only. | Read-only | `read` |
| [`read_account`](https://financesavi.com/developers/mcp/tools/read_account) | Reads one account by accountId for the authenticated user. | Read-only | `read` |
| [`read_goal`](https://financesavi.com/developers/mcp/tools/read_goal) | Reads one saving goal by savingGoalId for the authenticated user. | Read-only | `read` |
| [`read_invoice`](https://financesavi.com/developers/mcp/tools/read_invoice) | Reads one invoice by invoiceId from list\_invoices or create\_invoice. | Read-only | `read` |
| [`read_life_plan`](https://financesavi.com/developers/mcp/tools/read_life_plan) | Reads one life plan by lifePlanId, including saving goals and fixed income/expense blocks. | Read-only | `read` |
| [`read_shared_account`](https://financesavi.com/developers/mcp/tools/read_shared_account) | Reads one shared account (family HOUSEHOLD or enterprise GROUP) by organizationId. | Read-only | `read` |
| [`read_test_clock`](https://financesavi.com/developers/mcp/tools/read_test_clock) | Reads the current simulated transaction feed and goal progress for the clock.id returned by create\_test\_clock, including scheduled events that have not happened yet. | Read-only | `read` |
| [`read_transaction`](https://financesavi.com/developers/mcp/tools/read_transaction) | Reads one transaction by transactionId for the authenticated user. | Read-only | `read` |
| [`update_account`](https://financesavi.com/developers/mcp/tools/update_account) | Updates one account by accountId for the authenticated user. Wraps the updateAccount RPC. | Changes data | `write` |
| [`update_file`](https://financesavi.com/developers/mcp/tools/update_file) | Updates file metadata (name, date) by fileId. Wraps the updateFile RPC. | Changes data | `write` |
| [`update_goal`](https://financesavi.com/developers/mcp/tools/update_goal) | Updates one saving goal by savingGoalId for the authenticated user. Wraps the updateSavingGoal RPC. | Changes data | `write` |
| [`update_invoice`](https://financesavi.com/developers/mcp/tools/update_invoice) | Updates an invoice by invoiceId. Wraps the updateInvoice RPC. | Changes data | `write` |
| [`update_notification_settings`](https://financesavi.com/developers/mcp/tools/update_notification_settings) | Updates insight-summary email notification settings (enabled flag and optional cron schedule). Wraps the updateInsightSummaryNotificationSetting RPC. | Changes data | `write` |
| [`update_projection`](https://financesavi.com/developers/mcp/tools/update_projection) | Updates an income or expense projection by projectionId. Wraps the updateProjection RPC. | Changes data | `write` |
| [`update_rule`](https://financesavi.com/developers/mcp/tools/update_rule) | Updates a transaction automation rule by ruleId. | Changes data | `write` |
| [`update_saved_filter`](https://financesavi.com/developers/mcp/tools/update_saved_filter) | Updates a saved filter by savedFilterId. Wraps the updateSavedFilter RPC. | Changes data | `write` |
| [`update_shared_account`](https://financesavi.com/developers/mcp/tools/update_shared_account) | Updates a shared account (family or enterprise) by organizationId. Wraps the updateOrganization RPC. | Changes data | `write` |
| [`update_spendable`](https://financesavi.com/developers/mcp/tools/update_spendable) | Sets the monthly spendable (guilt-free spend) limit. Wraps the updatePersonalPreference RPC. | Changes data | `write` |
| [`update_tag`](https://financesavi.com/developers/mcp/tools/update_tag) | Updates a tag by tagId. Wraps the updateTag RPC. | Changes data | `write` |
| [`update_time_log`](https://financesavi.com/developers/mcp/tools/update_time_log) | Updates a time log by entryId. Wraps the updateTimeLog RPC. | Changes data | `write` |
| [`update_transaction`](https://financesavi.com/developers/mcp/tools/update_transaction) | Updates one transaction by transactionId. Wraps the updateTransaction RPC. | Changes data | `write` |

Source: https://financesavi.com/developers/mcp/tools