Toshl

Toshl Financial Automation

Automate Toshl Finance data synchronization and monthly reporting with multi-entity financial strategy context (NS/DS/LW/VN + CCA extraction planning).

Data source: Toshl Finance API (via toshl MCP server) Cache: Local CSV/JSON in toshl/data/ (git-tracked) Reports: Markdown files in toshl/reports/

Commands

sync-data [start-month] [end-month]

Sync Toshl data to local CSV cache with reconciliation vs. prior state.

Usage:

/toshl sync-data                    # Current month MTD
/toshl sync-data 2026-03            # Single month
/toshl sync-data 2026-01 2026-04    # Inclusive month range

Implementation: Runs scripts/monthly_sync.py which calls the Toshl API directly (not via MCP — avoids token-limit spills). Stdlib only, no venv needed.

# Current month MTD
python3 toshl/scripts/monthly_sync.py --current

# Specific month
python3 toshl/scripts/monthly_sync.py 2026-03

# Range
python3 toshl/scripts/monthly_sync.py 2026-01 2026-04

# With reconcile report
python3 toshl/scripts/monthly_sync.py --current --json-report /tmp/reconcile.json

Script behavior:

1. Reads TOSHL_API_TOKEN from toshl/.env
2. Paginates /entries (per_page=200) for each month's date range
3. Resolves account/category/tag IDs against data/_{account,category,tag}_lookup.json
4. Writes data/{YYYY-MM}_entries.csv (denormalized, UTF-8, sorted date desc)
5. Reconciles: prints rows/sum before → after and delta per month
6. Idempotent — re-running the same month yields Δ=0

CSV format (denormalized, human-readable):

date,description,amount,currency,category,account,tags,type
2026-02-05,Groceries,-45.50,EUR,Food & Dining,Cash,shopping,expense
2026-02-10,Freelance Income,2500.00,EUR,Consulting,Cash,revenue,income

When to use MCP vs. this script:

• Script (monthly_sync.py): for bulk backfill, monthly ritual, reconciliation. Always preferred for writing CSVs.
• MCP tools (mcp__toshl__*): for live querying during analysis ("what did I spend on X?"). Never use for bulk export — token-limit spills on months >40 entries.

monthly-report

Generate markdown financial report for specified month. Auto-triggers sync-data first.

Usage:

/toshl monthly-report 2026-02

Workflow:

1. Validate month format (YYYY-MM)
2. Auto-run /toshl sync-data {YYYY-MM} first (cache refresh)
3. Read CSV entries from data/{YYYY-MM}_entries.csv
4. Parse and aggregate:
   • Separate expenses (amount < 0) vs revenue (amount > 0)
   • Group by category name (from CSV), sum amounts
   • Calculate percentages of total
   • Sort by amount descending
   • Categories are dynamic from Toshl (no static mapping)
5. Calculate summary metrics:
   • Total expenses, total revenue, net
   • Compare against targets
   • Determine status (✅/⚠️/❌)
6. Generate markdown report using template from reference.md
7. Write to reports/{YYYY-MM}.md
8. Display summary to user

Status indicators:

• ✅ On target: Expenses ≤€4,000 AND Revenue ≥€7,500
• ⚠️ Within 10%: Expenses ≤€4,400 OR Revenue ≥€6,750
• ❌ Over/under: Expenses >€4,400 OR Revenue <€6,750

Implementation:

• Ensure reports/ directory exists
• Use Write tool for report generation
• Format amounts as EUR with thousand separators, no decimals
• Round percentages to 1 decimal place

Financial Strategy Context

Entity structure:

• NS (Nosetalgy): Holding company
• DS (Digital Stoic): CTO-as-Service (100% NS)
• LW (Livarot): Whisky strategy (100% NS)
• VN (Villa Nara): Regenerative agriculture (49% NS)

Targets:

• Liquid reserves: €120K (24-month runway)
• Monthly burn: <€4K
• Net income: €90K/year (€7,500/mo avg)

CCA (compte courant d'associé): Currently ~€100K balance. Monthly reports track personal expenses to plan CCA extraction from entities.

Next Steps

Phase 2 (future):

• Entity breakdown in reports (personal vs NS/DS/LW/VN)
• CCA extraction recommendations
• Burn rate trends (3-6 month rolling)
• Non-Toshl data overlay (investments, loans)

See reference.md for account/category mappings and report template.