Granite Finance

Read Granite daily available budget values for today, week, and month. If hypothetical_spend_amount is provided, this also requires simulate:run.

Return a privacy-safe Granite capability overview without reading personal financial data. Use this whenever the user asks what Granite can do without personal data or needs onboarding before granting transactions:read or insights:read.

Run one of Granite guided AI insight prompts using deterministic transaction and budget data and render it directly. Use for the Spending, Budget, and Optimize insight buckets in Granite. Early-window results include one cold-start status and may still contain a directional comparison; do not repeat the cold-start message in prose.

Read fresh monthly insights using stored reporting-currency amounts and render results directly. Check reporting completeness: missing conversions produce partial totals. Use get_spend_velocity only for comparable periods with complete conversion coverage.

Read projected recurring bills, subscriptions, and scheduled inflows over the next 1 to 31 days. Use this when the user asks what bills are coming up or wants short-term cash-flow liabilities. This result can render directly in the guided insight widget.

Use this when the user asks if they are spending faster or slower than this time last month, including during the first week of a month. Compares matching month-to-date windows and explicitly labels early results as directional.

Read transactions from Granite v1 and render the result directly. Supports pagination and optional compact aggregation via group_by.

Read spending, income, savings/investments, transfers, and categories using Granite Insights classifications and stored reporting-currency amounts. Date windows must be at most 366 days. Check reporting completeness before interpreting totals.

Use this when the user asks whether a possible purchase fits their Granite budget, how a purchase changes runway, or what happens if they spend a specific amount today. The amount is interpreted in the connected Granite account's reporting currency; if the user explicitly supplies a different currency, do not convert it silently.