57 Tools in One Chat: Everything Clarity's AI Can Do

57 tools. That's what Clarity's AI chat has access to — querying your accounts, searching transactions, pulling live market data, generating reports, forecasting spending, and taking actions on your behalf. This isn't a chatbot wrapper. It's a financial command line that speaks English.

This post walks through every category of tool the AI assistant can use, with real examples of what you can ask and what you get back. If you've been using the chat for simple balance checks, you're probably using about 10% of what it can do.

• 10 financial data tools — accounts, transactions, spending, cash flow, net worth, recurring, budgets
• 8 market data tools — quotes, history, fundamentals, sectors, ETFs, earnings, news, prediction markets
• 2 portfolio analysis tools — holdings overview, correlation
• 4 ML forecasting tools — spending, cash flow, net worth, recurring charges
• 2 pattern detection tools — spending patterns, anomalies
• 9 report and export tools — PDFs, CSVs, calendar files, tax reports
• 9 action tools — categorize, rename, budget, goal, rules
• 2 memory tools — remember and forget

Your Financial Data, On Demand

The core of the AI chat is access to your financial data. These tools query the same database that powers the rest of Clarity — same numbers, same accounts, same transactions.

Account Summary

Ask "what are my account balances?" or "show me all my accounts" and the assistant pulls every connected account with current balances, account types, institutions, and available credit. It renders them as interactive account cards — the same cards you see on the Accounts page.

Transaction Search

Two search modes. Keyword search filters by merchant name, category, date range, and amount — "show me all Amazon purchases over $50 in January." Semantic search uses sentence-transformer embeddings to match by meaning — "that expensive dinner I had in December" or "the subscription I forgot about." Both return a scrollable transaction list with merchant logos, categories, and amounts.

Spending Breakdown

"Break down my spending this month" returns a horizontal bar chart with every category and its total. "Compare my food spending this month to last month" triggers two parallel tool calls and renders a side-by-side comparison card with the percentage change.

Cash Flow

"What's my cash flow?" returns income vs. expenses with net savings for any period. The response includes a cash flow bar visualization showing the balance between inflows and outflows.

Net Worth Trend

"Show me my net worth over the last 6 months" pulls your daily snapshots and renders a trend chart with total assets, total liabilities, and net worth. You can ask for specific periods — "net worth since January" or "net worth trend this year."

Recurring Charges

"What subscriptions am I paying for?" surfaces every detected recurring charge with merchant name, frequency, amount, and next due date. "Which recurring charges are over $50?" filters them down. The assistant also calculates your total monthly and yearly recurring spend.

Subscription Analysis

Goes deeper than just listing charges. "Analyze my subscriptions" identifies price increases, duplicate services, unused subscriptions (based on frequency changes), and calculates your total subscription burden as a percentage of income.

Merchant History

"Show me all transactions from Whole Foods" returns a complete history with that merchant — every transaction, date, and amount. Useful for spotting price changes or tracking spending at a specific store over time.

Budgets and Goals

"How are my budgets doing?" shows each budget with spent vs. limit, progress bars, and pace indicators. "Am I on track for my savings goal?" checks your goal progress against your target date and current trajectory.

Market Data and Research

The assistant can pull live market data and research without you leaving the chat. These tools hit external APIs in real time.

Market Quotes

"What's Apple trading at?" or "price of Bitcoin" returns the current quote with day change, percentage move, and key stats. Works for stocks, ETFs, crypto, and indices.

Historical Prices

"Show me Tesla's price over the last year" returns a trend chart with historical closing prices. Useful for comparing your entry price to current levels.

Company Fundamentals

"Tell me about Apple's financials" pulls company facts, key ratios (P/E, P/B, dividend yield, debt-to-equity), and recent financial statements. The equity research pack tool bundles all of this into a single comprehensive view — valuation metrics, growth rates, and profitability analysis.

Sector Performance

"How are tech stocks doing?" returns sector-level performance data across the major market sectors with percentage gains/losses for different time periods.

ETF Holdings

"What's in QQQ?" or "show me SPY holdings" breaks down an ETF's top holdings with allocation percentages. Useful for understanding what you actually own through index funds.

Earnings Calendar

"Which of my holdings have earnings coming up?" cross-references your portfolio with the earnings calendar. "When does Apple report?" returns the next earnings date.

Ticker News

"Any news about Tesla?" surfaces recent headlines and articles about a specific company. Helpful for understanding sudden price movements in your portfolio.

Prediction Markets

"What are prediction markets saying about the Fed?" pulls current prediction market data for major economic and market events, giving you crowd-sourced probability estimates alongside traditional market data.

Portfolio Analysis

Beyond raw holdings data, the assistant can analyze your portfolio as a whole.

Portfolio Overview

"Analyze my portfolio" returns your current holdings with values, allocation percentages, and gain/loss per position. The response renders as a structured table with color-coded performance.

Portfolio Correlation

"How correlated are my holdings?" calculates correlation between your positions to show diversification. If your tech stocks all move together, this will tell you.

Forecasting with ML

The assistant has four ML-powered forecasting tools that use Google's TimesFM model to predict future values based on your historical patterns.

Spending Forecast

"How much will I spend this month?" uses your spending history to project a day-by-day forecast through month-end, with confidence intervals. It learns weekly patterns (weekday vs. weekend), pay-cycle effects, and seasonal trends.

Cash Flow Forecast

"What will my cash flow look like next month?" projects income and expenses separately, then combines them into a net cash flow forecast. Useful for planning large purchases or seeing if you'll have a surplus.

Net Worth Forecast

"Where will my net worth be in 6 months?" extrapolates from your historical snapshots using the same ML model. Includes confidence intervals so you can see the range of likely outcomes.

Recurring Charge Forecast

"How much will Netflix cost next month?" uses your charge history to predict upcoming amounts — especially useful for subscriptions with variable charges or recent price increases.

Pattern Detection and Anomalies

The assistant can proactively identify things you might miss.

Pattern Detection

"Are there any patterns in my spending?" analyzes your transaction history to surface trends — increasing spend at a particular merchant, seasonal patterns, day-of-week effects, or unusual category shifts.

Anomaly Detection

"Anything unusual in my transactions?" flags outliers — transactions that deviate significantly from your normal patterns by amount, category, or frequency. Catches things like unexpected charges, duplicate payments, or sudden merchant price increases.

Reports and Exports

The assistant can generate downloadable documents directly in the chat. Ask for any of these and you get a download link in the response.

• Spending Report — categorized breakdown as a downloadable PDF
• Budget Report — budget vs. actual for the current month
• Net Worth Report — snapshot with historical trend
• Account Statement — transaction detail for a specific account
• Portfolio Performance — holdings with gains/losses and allocation
• Transaction Export — filtered CSV export for any date range
• Tax Report — Form 8949 CSV with cost basis and wash sale detection
• Bill Calendar — recurring charges as an .ics calendar file you can import into Google Calendar or Apple Calendar
• Chat PDF — export the current conversation as a formatted PDF

Say "generate a spending report for January" or "export my transactions from last quarter as CSV" — the assistant handles the parameters and gives you a download.

Actions That Modify Your Data

The assistant can also take actions on your behalf. These tools always ask for your explicit confirmation before executing — you'll see an approval card in the chat that you have to click to confirm.

• Categorize Transaction — "recategorize that Uber charge as Business Travel"
• Bulk Categorize — "categorize all my Starbucks transactions as Coffee"
• Rename Merchant — "rename AMZN Mktp to Amazon"
• Add Transaction Note — "add a note to that $500 payment: client dinner with Design Co"
• Create Category Rule — "always categorize Uber Eats as Dining"
• Set Budget — "set a $400 monthly budget for Dining"
• Set Goal — "create a savings goal for $10,000 by December"
• Create Recurring Rule — "mark this charge as a monthly bill"
• Request Cancellation — "I want to cancel my Hulu subscription" (queues a cancellation request with instructions)

Memory

The assistant can remember things across conversations. Say "remember that my rent is $2,100 and due on the 1st" or "remember I'm saving for a house down payment" and it stores that context. Next time you ask about your savings progress or monthly obligations, it pulls from what you've told it.

You can ask "what do you remember about me?" to see everything stored, and "forget that I told you about X" to remove specific memories.

Generative UI

The assistant doesn't just reply with text. It renders structured, interactive components directly in the chat — the same components used throughout Clarity's dashboard.

• Metric cards — large numbers with trend indicators and comparisons
• Spending charts — horizontal bar charts by category
• Donut charts — allocation breakdowns for portfolios or spending
• Trend charts — line charts for net worth, spending, or price history
• Cash flow bars — income vs. expenses visualization
• Transaction lists — scrollable lists with merchant logos
• Account cards — balance cards grouped by institution
• Comparison cards — before/after or month-over-month comparisons
• Insight cards — highlighted observations with severity levels
• Progress indicators — budget and goal progress bars
• Recommendation blocks — actionable suggestions with deep links
• Deep links — clickable links that take you to the relevant Clarity page for more detail

When you ask "what's my spending breakdown?", you don't get a markdown table — you get a real chart. When you ask about your accounts, you get interactive cards. The AI decides which components to use based on the data it's presenting.

What You Can Actually Ask

Here are some real prompts that use multiple tools together:

• "How much did I spend on food this month, and how does that compare to last month? Also, am I on track with my dining budget?"
• "Show me my net worth trend this year. What's driving the changes — is it market gains or savings?"
• "I want to cancel some subscriptions. Which ones am I paying the most for, and which do I use the least?"
• "What's Apple trading at? I own it — how much has my position gained?"
• "Generate a tax report for 2025 and export my crypto transactions as CSV."
• "Set a $300 budget for groceries and categorize all my Trader Joe's transactions as Groceries."
• "How much will I spend this month based on my patterns? Can I afford a $500 purchase this week?"
• "Show me everything unusual in my transactions this month. Any double charges or unexpected fees?"

The assistant chains these tools as needed. A single question can trigger 3-4 tool calls behind the scenes — the AI figures out what data it needs, fetches it, and synthesizes a response with the right visualizations.

Want to try these prompts? Start a free 14-day trial and open the AI chat — no credit card required. Get started

The Bottom Line

Clarity's AI chat is a full financial command line. Accounts, transactions, spending, portfolios, market data, forecasting, anomaly detection, report generation, and account management — all accessible through natural language. The 57 tools mean you can do almost anything from the chat that you can do from the dashboard, often faster.

Open the chat. Ask a question you've never tried before. You might be surprised by what comes back.