Expose missing data to the AI (account filters, achievements, score trend, investment txns)

[cdinnison]

Summary

The AI was blind to data that existed in the schema but had no tool to query. This PR closes those gaps.

Filters on existing tools

• get_transactions → account, label, include_pending
• search_transactions → account
• get_spending_summary → account, merchant

New tools

• get_achievements — list unlocks (table was populated but unreadable)
• get_score_trend — daily score history (was latest-only)
• get_investment_transactions — buy/sell activity (table was seeded but unqueryable)
• list_recat_rules + delete_recat_rule — rule CRUD was write-only before

Output improvements

• get_accounts surfaces credit utilization ("15% of $5,000 limit") when balance_limit is set
• get_recurring merges manually-added recurring_bills alongside Plaid-detected streams

Origin: user asked "what is my biggest expense in Free to Spend" and the AI said "I can't filter by account" — even though transactions.account_id exists. Audit surfaced a handful of similar gaps.

Test Coverage

• 4 new regression tests covering account, label, excludePending filters on getTransactionsFiltered, and account-scoped searchTransactions
• Tests: 104 → 108 (+4)
• All 108 tests pass, TypeScript clean

Paths not covered by unit tests: new AI handler cases (thin SQL + string formatting, consistent with existing tool handler pattern in the file). Credit utilization render path, recurring merge output, and investment transactions join are validated by the query-layer tests and manual verification.

Pre-Landing Review

Self-review of the diff:

• All SQL parameterized; account/merchant/label LIKE values flow through ? placeholders
• getAccountBalances behavior preserved; new balance_limit column additive
• getTransactionsFiltered default behavior preserved — pending filter is opt-in (excludePending), so the ray transactions CLI is unchanged. AI get_transactions defaults to excluding pending, explicitly documented in the tool schema
• Credit utilization calc guarded against null/zero balance_limit
• delete_recat_rule follows the same unauthenticated-by-ID pattern as delete_budget / delete_goal
• get_investment_transactions caps at LIMIT 50 by default to prevent large-portfolio blowup

Notes

milestones table was flagged during the gap audit but is untouched here — it has no writer or reader outside backup round-trip. Worth a separate cleanup PR to drop it if you want; goals already covers the same space with proper progress tracking.

Test plan

• npx tsc --noEmit clean
• npm test — 108/108 passing
• Manual: ask chat "what's my biggest expense in Free to Spend" and confirm it filters correctly
• Manual: ray transactions CLI still shows pending transactions (no behavior change)

🤖 Generated with Claude Code

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Project	Deployment	Actions	Updated (UTC)
ray-finance	Ready	Preview, Comment	Apr 23, 2026 4:32pm