actual_accounts_create

Create a new account in Actual Budget

SERVERActual SOURCEactual-mcp-server

Medium RISK CLASS

Category Write

Parameters 00 required

Recommended Rate-limitedsee the rule below

Registry record Grade F, identity unverified Pull the record →

This record as markdown: /tools/actual/actual-accounts-create.md

WHAT IT DOES

What actual_accounts_create does on Actual

AI agents use actual_accounts_create to create or update resources in Actual, usually the action step of a workflow, after the agent has gathered context. Every call changes real data in your Actual environment.

RISK

Why actual_accounts_create is rated Medium

This tool creates a new account within a financial management system (Actual Budget). While account creation is reversible (accounts can be deleted via actual_accounts_delete), it modifies financial records and establishes new structures in the accounting system.

From the tool's definition Tool name 'actual_accounts_create' and description 'Create a new account in Actual Budget' indicate creation of financial data.

Attacks that exploit this kind of access

RECOMMENDED RULE

The rule that runs actual_accounts_create safely

PolicyLayer is an MCP gateway: it sits between your AI agents and Actual, and checks every tool call against a rule you set before the call runs. Nothing changes on the server itself. For actual_accounts_create, this is the rule to start with:

actual_accounts_create Rate-limited

actual_accounts_create stays usable, but capped: an agent stuck in a loop can't make hundreds of changes a minute. Everything else on the server is denied unless you say otherwise.

View as policy code

policy.json

{
  "version": "1",
  "default": "deny",
  "tools": {
    "actual_accounts_create": {
      "limits": [
        {
          "counter": "actual_accounts_create_rate",
          "window": "minute",
          "max": 30,
          "scope": "grant"
        }
      ]
    }
  }
}

LIMIT THIS TOOL → Instant setup, no code required.

The button opens the PolicyLayer dashboard: create your workspace, connect Actual, apply this rule, and every actual_accounts_create call is checked against it from then on.

FAQ

Questions about actual_accounts_create

What does the actual_accounts_create tool do? +

Create a new account in Actual Budget. It is categorised as a Write tool in the Actual MCP Server, which means it can create or modify data. Consider rate limits to prevent runaway writes.

How do I enforce a policy on actual_accounts_create? +

Register the Actual MCP server in PolicyLayer and add a rule for actual_accounts_create: allow, deny, rate-limit, or require approval. Point your MCP client at the PolicyLayer proxy URL and the rule is enforced on every call, before it reaches Actual. Nothing to install.

What risk level is actual_accounts_create? +

actual_accounts_create is a Write tool with medium risk. Write tools should be rate-limited to prevent accidental bulk modifications.

Can I rate-limit actual_accounts_create? +

Yes. Add a rate_limit block to the actual_accounts_create rule in your PolicyLayer policy. For example, setting max: 10 and window: 60 limits the tool to 10 calls per minute. Rate limits are tracked per agent session and reset automatically.

How do I block actual_accounts_create completely? +

Set action: deny in the PolicyLayer policy for actual_accounts_create. The AI agent will receive a policy violation error and cannot call the tool. You can also include a reason field to explain why the tool is blocked.

What MCP server provides actual_accounts_create? +

actual_accounts_create is provided by the Actual MCP server (actual-mcp-server). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.

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