Cadence Money

Get the user's active linked bank accounts and unarchived manual accounts, each with its current balance in its OWN currency, type, and institution. A synced account that another bank link already covers is listed once, not twice. Also returns a summary converted to the user's default currency: total_cash, total_investments (retirement accounts are folded in here; get_net_worth breaks them out), total_assets, total_liabilities and net_worth. That summary covers bank and manual accounts only - it excludes crypto, real estate, stock options and individual holdings, so use get_net_worth for the full net worth picture.

get_accounts

Get value history for individual assets over time. Returns daily value snapshots with changes, filtered by asset type and/or name. Use get_net_worth first for the current overview, then drill into specific assets here. Supports all asset types: crypto, real_estate, real_estate_mortgage, stock_option, manual_asset, account, liability, plaid_account, holding. For holding rows, each point reports cost_basis (shares × avg_price) and market_value (stored daily market value, available from 2026-05-11 onward; null on older dates). The headline `value` is market_value when present, else cost_basis; `change`/total_change count only market-to-market moves (0 across the cost↔market boundary) so holding trends reflect market performance, not contributions. Use for "how has my Bitcoin grown?", "show me my RRSP history", "track my mortgage paydown", "how has my home equity changed?".

get_asset_history

Get the user's rule-based financial insights and alerts (computed from their data by fixed rules, not written by a model). Returns the current insights covering spending anomalies, budget velocity warnings, merchant analysis, price increases on recurring bills, cash flow health, seasonal patterns, and more. Each insight includes severity (critical/important/informational/positive), potential financial impact, and actionable recommendations. Use for "any alerts?", "what insights do you have?", "anything unusual in my finances?".

get_insights

Get income sources with monthly equivalents, compensation details, and one-time income for a given month. Shows recurring income with frequency-adjusted monthly amounts, compensation fields (gross salary, retirement contributions, employer match, benefits, bonus targets), actual income transactions, and a compensation summary. Does not include investment accounts or net worth - use get_net_worth for the full asset picture. For full total compensation with equity, use get_total_compensation instead.

get_income

Get tracked investment holdings (stocks/ETFs/funds) with per-holding shares, average price, cost basis, latest market value, and unrealized gain/loss, plus portfolio totals. Covers BOTH manually-tracked holdings and bank-synced positions. For a manual holding cost_basis = shares × avg_price; for a synced position the institution reports a position-total cost basis, and many report none at all — there cost_basis, avg_price and unrealized_gain_loss are null, meaning UNKNOWN, not zero, and the position is left out of the gain totals entirely. market_value is the latest stored daily value (available from 2026-05-11 onward — has_market_value is false and market_value falls back to cost_basis for holdings added before then or not yet priced). These holdings are tracked separately and are NOT included in get_net_worth's net_worth total (to avoid double-counting with investment account balances); the totals match get_net_worth.breakdown.portfolio_holdings. Use for "how is my portfolio doing?", "what are my unrealized gains?", "show my stock holdings".

get_portfolio

Use this for monthly spending questions. In normal mode: returns each budget category with spent, remaining, percent used, and recurring bills vs discretionary. budget_amount there is the EFFECTIVE ceiling for the month — the budget's own amount plus any rollover carried from last month and any credit moved in from a Goal Fund, all three broken out as base_budget/rollover/goal_fund_credit — so it matches the figure on screen and may exceed the amount the user set. monthly_equivalent is the base amount only, because rollover and credits are one-offs; use it (and total_monthly_recurring_budgeted) for recurring obligations, and budget_amount for what can still be spent this month. In WorryFree mode: returns a single discretionary spending limit with carryover, spent, remaining, and 3-month history. Accounts for reimbursements, refunds, and transfers in both modes. For anything scoped to THIS WEEK use get_week_summary instead — do not divide these monthly figures by 4 or by weeks-remaining, the app slices weekly budgets at a flat 12/52 and your answer would contradict what the user sees on screen.

get_budget_summary

A good starting point for retirement planning and overall financial health. Returns a complete monthly picture in ONE call: income (with compensation context - gross, retirement deductions, employer match when available), budget limits, recurring bills, net cashflow, savings rate, and a net worth snapshot (cash, investments, retirement as a separate bucket, crypto, real estate, stock options). The net worth snapshot is totals only - use get_net_worth for per-account and per-asset detail. In WorryFree mode, budget_limits reflects the single discretionary limit and all recurring bills are separate obligations. For detailed asset breakdown, combine with get_net_worth. For total compensation with equity, use get_total_compensation.

get_cashflow

Use this for any question about wealth, assets, or net worth. For equity and compensation detail, combine with get_total_compensation. Returns net worth breakdown by asset and liability category with 6-month history for growth rate calculations. Supports historical queries via month parameter — returns snapshot data for past months. Current month returns live balances. Categories (each is its own line; breakdown sums to total_assets): cash accounts (chequing/savings), investments (non-retirement registered + brokerage: TFSA/FHSA/RESP/brokerage), retirement (RRSP/401k/IRA/RRIF/etc. — separate from investments), real estate, crypto (includes Plaid-linked crypto-exchange accounts, not just manually-tracked coins), stock options (with vested/unvested share detail for equity grants), portfolio holdings (object with market_value and cost_basis — tracked separately, NOT included in net worth total to avoid double-counting with investment account balances), credit cards, loans. Use for projections, milestone tracking, and retirement planning. DISAMBIGUATION: use this for a point-in-time value (the current month, or one specific past month via the month parameter); for a trend or change across a date range (e.g. "how has my net worth changed over the last 6 months"), use get_financial_history instead.

get_net_worth

Use this for net worth trends and historical comparisons over a span of time. Returns daily snapshots with total assets, total liabilities, net worth, and breakdowns by category (cash, investments, retirement [separate from investments], real estate, crypto, stock options, portfolio, credit cards, mortgages, other liabilities). Also includes monthly income and expense totals when available, and a summary with the net-worth change across the range. DISAMBIGUATION: use this when you need the trajectory or change across a date range; use get_net_worth for a single point-in-time value (today or one specific past month), or get_asset_history to drill into one specific asset. Use for "show me my net worth over the last 6 months", "how has my financial picture changed this year?", "what was my net worth trend since January?".

get_financial_history

Get recurring bills and subscriptions with amounts, frequency, and next due dates. Returns ALL recurring expenses by default (for planning/retirement questions). Also returns annual_bills_ytd_spending: total spent year-to-date on annual/semi-annual/quarterly bills. Pass days_ahead to filter to only upcoming bills within that window.

get_recurring_bills