# actual_accounts_list

List all accounts in Actual Budget including checking, savings, credit cards, and investment accounts. Returns account ID, name, balance (in cents), on-budget/off-budget status, and open/closed state.

Agent View of the PolicyLayer registry record for `actual_accounts_list`. HTML page: https://policylayer.com/tools/actual/actual-accounts-list

## Facts

- Tool: `actual_accounts_list`
- Server: Actual (`actual-mcp-server`) — https://policylayer.com/tools/actual.md
- Install: `npx -y actual-mcp-server`
- Homepage: git+https://github.com/agigante80/actual-mcp-server.git
- Risk category: Read (Low risk)
- Registry record: grade F, identity unverified
- Server rate-limited: no
- Parameters: 0
- Recommended policy verdict: Allowed

## Example call (MCP tools/call, JSON-RPC 2.0)

```json
{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "actual_accounts_list",
    "arguments": {}
  }
}
```

## Why actual_accounts_list is rated Low

This tool queries and retrieves financial account information without creating, modifying, or deleting any data. While the data concerns financial accounts, the tool itself performs no financial transactions or commitments. It is a read-only query operation with minimal blast radius if misused by an AI agent.

From the tool's own definition: "Tool name contains 'list' and description states it 'List all accounts' and 'Returns account ID, name, balance...' — a retrieval operation with no modification or side effects."

## Use case

AI agents call actual_accounts_list to retrieve information from Actual without modifying anything. It is typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.

## Recommended policy (PolicyLayer)

Verdict: **Allowed**. Enforced by the PolicyLayer MCP gateway (https://policylayer.com/mcp-gateway) before a call reaches Actual:

```json
{
  "version": "1",
  "default": "deny",
  "tools": {
    "actual_accounts_list": {}
  }
}
```

## Other tools on Actual (63)

- `actual_accounts_delete` — Destructive — https://policylayer.com/tools/actual/actual-accounts-delete.md
- `actual_categories_delete` — Destructive — https://policylayer.com/tools/actual/actual-categories-delete.md
- `actual_category_groups_delete` — Destructive — https://policylayer.com/tools/actual/actual-category-groups-delete.md
- `actual_payees_delete` — Destructive — https://policylayer.com/tools/actual/actual-payees-delete.md
- `actual_rules_delete` — Destructive — https://policylayer.com/tools/actual/actual-rules-delete.md
- `actual_schedules_delete` — Destructive — https://policylayer.com/tools/actual/actual-schedules-delete.md
- `actual_tags_delete` — Destructive — https://policylayer.com/tools/actual/actual-tags-delete.md
- `actual_transactions_delete` — Destructive — https://policylayer.com/tools/actual/actual-transactions-delete.md
- `actual_bank_sync` — Execute — https://policylayer.com/tools/actual/actual-bank-sync.md
- `actual_query_run` — Execute — https://policylayer.com/tools/actual/actual-query-run.md
- `actual_session_close` — Other — https://policylayer.com/tools/actual/actual-session-close.md
- `actual_budgets_get_all` — Read — https://policylayer.com/tools/actual/actual-budgets-get-all.md
- `actual_budgets_getMonth` — Read — https://policylayer.com/tools/actual/actual-budgets-getmonth.md
- `actual_budgets_getMonths` — Read — https://policylayer.com/tools/actual/actual-budgets-getmonths.md
- `actual_budgets_list_available` — Read — https://policylayer.com/tools/actual/actual-budgets-list-available.md
- `actual_categories_get` — Read — https://policylayer.com/tools/actual/actual-categories-get.md
- `actual_category_groups_get` — Read — https://policylayer.com/tools/actual/actual-category-groups-get.md
- `actual_entities_search` — Read — https://policylayer.com/tools/actual/actual-entities-search.md
- `actual_get_id_by_name` — Read — https://policylayer.com/tools/actual/actual-get-id-by-name.md
- `actual_notes_get` — Read — https://policylayer.com/tools/actual/actual-notes-get.md
- `actual_payee_rules_get` — Read — https://policylayer.com/tools/actual/actual-payee-rules-get.md
- `actual_payees_common_list` — Read — https://policylayer.com/tools/actual/actual-payees-common-list.md
- `actual_payees_get` — Read — https://policylayer.com/tools/actual/actual-payees-get.md
- `actual_rules_get` — Read — https://policylayer.com/tools/actual/actual-rules-get.md
- `actual_schedules_get` — Read — https://policylayer.com/tools/actual/actual-schedules-get.md
- `actual_server_info` — Read — https://policylayer.com/tools/actual/actual-server-info.md
- `actual_session_list` — Read — https://policylayer.com/tools/actual/actual-session-list.md
- `actual_tags_list` — Read — https://policylayer.com/tools/actual/actual-tags-list.md
- `actual_transactions_filter` — Read — https://policylayer.com/tools/actual/actual-transactions-filter.md
- `actual_transactions_get` — Read — https://policylayer.com/tools/actual/actual-transactions-get.md
- …and 33 more: https://policylayer.com/tools/actual.md

## For agents

This record is a snapshot. Live verdicts and the full registry:

- Check every server in your MCP config at once: `npx -y policylayer stack`
- Vet a server before you add it: install the mcp-precheck skill — `npx skills add https://policylayer.com` (skill text: https://policylayer.com/skill.md)
- Query the registry over MCP: endpoint `https://api.policylayer.com/mcp` — tools `check_mcp_server`, `check_mcp_stack`, `check_tool`, `search_registry`, `get_change_events`

---

Source: the PolicyLayer MCP registry — one continuously verified record per MCP server. Full record: https://policylayer.com/registry?q=actual · API: https://policylayer.com/registry/api · Policy library: https://policylayer.com/policies/actual