actual_transactions_create

Create a new transaction in Actual Budget. Amount should be in cents (negative for expenses, positive for income).

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-transactions-create.md

WHAT IT DOES

What actual_transactions_create does on Actual

AI agents use actual_transactions_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_transactions_create is rated Medium

This tool creates new financial transaction records, which is a reversible write operation (transactions can typically be edited or deleted). However, the severity is elevated to 'high' rather than 'medium' because: (1) it modifies financial data that may affect budgets, reports, and reconciliation; (2) in a multi-user budget context, unauthorized transactions could cause financial confusion or fraud; (3) the blast…

From the tool's definition Tool name 'actual_transactions_create' and description 'Create a new transaction in Actual Budget' explicitly indicate creation of new financial records.

Attacks that exploit this kind of access

RECOMMENDED RULE

The rule that runs actual_transactions_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_transactions_create, this is the rule to start with:

actual_transactions_create Rate-limited

actual_transactions_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_transactions_create": {
      "limits": [
        {
          "counter": "actual_transactions_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_transactions_create call is checked against it from then on.

FAQ

Questions about actual_transactions_create

What does the actual_transactions_create tool do? +

Create a new transaction in Actual Budget. Amount should be in cents (negative for expenses, positive for income). 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_transactions_create? +

Register the Actual MCP server in PolicyLayer and add a rule for actual_transactions_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_transactions_create? +

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

Can I rate-limit actual_transactions_create? +

Yes. Add a rate_limit block to the actual_transactions_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_transactions_create completely? +

Set action: deny in the PolicyLayer policy for actual_transactions_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_transactions_create? +

actual_transactions_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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