Kilter Money

Log an expense. Provide either a single category (categoryId or categoryName) OR splits (2+ lines whose amountCents sum exactly to the total). One purchase/receipt is always ONE add_expense call, even when its items span several categories (e.g. a Walmart or Target receipt with groceries + household + electronics) — use splits for that, never a separate call per category/item. Only call add_expense more than once when there are genuinely separate purchases (different receipts/transactions). Amounts are integer cents in the account's currency (see get_financial_summary). For a purchase on a credit card, pass cardName or cardId (call list_cards first) and optionally alreadyPaid; without a card it is cash or debit. Dated today or earlier, a cash or debit expense is automatically ticked "paid" in the Activity timeline, same as logging it in the app (a card expense is owed on the card until the card bill is paid). To set up a recurring fixed bill, use create_recurring_bill.

add_expense

Add a one-off income entry for a single month (e.g. a freelance payment or bonus). Amounts are integer cents in the account's currency (see get_financial_summary). Dated today or earlier, it's automatically ticked "received" in the Activity timeline, same as logging it in the app. Recurring paychecks are set up in the app, not here.

add_income

Create a named budget with a share of the month's total income (percent, 0–100) and/or a fixed monthly amount — store whichever matches the account's current budgeting mode (see list_budgets); the other defaults to 0 but is still saved, so switching modes later doesn't lose it. Optionally move categories into it by id or name. Global and forward-looking; past months stay frozen.

create_budget

Create an expense category. kind is 'spending' (default) or 'fixed'. Optionally roll it up to a budget by budgetId or budgetName. needsWants classifies it for the Needs/Wants breakdown.

create_category

Set up a recurring fixed bill (rent, mortgage, loan, insurance, subscription) in the user's account. Resolve the category by id (categoryId) or name (categoryName) first — call list_categories. Amounts are integer cents in the account's currency (see get_financial_summary), per occurrence. If the bill is charged to a credit card, pass cardName or cardId (call list_cards first): each month then counts as owed on the card until marked paid in the app. Editing or removing a bill is done in the app.

create_recurring_bill

Delete a named budget. Its member categories become unassigned (their spend moves to 'Unbudgeted'); no categories or expenses are deleted. Identify it by budgetId or budgetName.

delete_budget

Permanently delete one logged expense by id (get it from list_expenses). Also deletes the expense's receipt image, if any. Does not touch recurring bills — those are managed in the app.

delete_expense

The user's finances for one month: total income, spending by category, fixed bills vs income, budget breakdown (per-budget allocated vs spent + unbudgeted), on-track status, and the month-over-month change vs the same day last month. All amounts are integer cents in the account's currency (returned as `currency`). Call this for any question about how the user's finances are going, including forward-looking ones (e.g. 'what are my expenses/bills/income next month') — pass a future period; the response then reflects expected recurring bills and income only, since variable spending hasn't happened yet. cardsOwed is what is still owed on credit cards right now (total, next due date, and per card), based on what the user logged. fixedBillsVsIncome and spendingByCategory here are TOTALS only — for the individual bills behind a fixed/utilities/etc. total (or any question about a specific bill), call list_recurring_bills instead.

get_financial_summary

List the account's named budgets — id, name, mode ("percent" or "fixed" — the account-wide budgeting mode), percent (share of the month's total income, 0–100) and amount (fixed monthly amount, both always present regardless of mode), colorIndex, and the categories that roll up to each. Call before update_budget / delete_budget. The budgeting mode itself is set from the app, not by these tools.

list_budgets

List the account's expense categories — id, name, kind (spending/fixed), needsWants (needs/wants, for the Needs/Wants breakdown), whether archived, and which budget each rolls up to. Call before add_expense so the expense lands in a category that exists.

list_categories