PERSON
One person. Three accounts.
Person ├─ 100% → Chequing ├─ 100% → Credit card └─ 100% → Brokerage
Cash, debt, and investments in one household. Start with a person and connect the bank.
The model / The tools
Money has structure.
Keep the structure.
A household is more than a list of balances. Model the owners, the assets, the liabilities, and their changes over time.
Concrete household shapes
Simple to start.
Room for the real picture.
These diagrams show model capabilities. They contain no real household records. Use aliases and opaque IDs for people and accounts.
COUPLE
Together. And separately.
Person A ─ 50% ─┐
├─ Cash · Home
Person B ─ 50% ─┘ └─ Mortgage
A → RRSP B → 401(k)A joint account and home, a mortgage secured by the home, and retirement accounts with separate owners.
CORPORATION
A company inside the household.
Person └─ 100% → Corporation └─ 100% → Investment account Total → counts the value once
Dated ownership connects the person to the corporation. The total follows ownership and counts the value one time.
TRUST
A family trust, with real roles.
Settlor ───────┐ Trustees ──────┼─→ Trust Beneficiaries ─┘ └─ Assets Roles ≠ ownership shares
Record settlors, trustees, and beneficiaries. Record distributions as income sources and reports.
CAD / USD
Money on both sides of the border.
Household currency: CAD
├─ CAD → Canadian accounts
└─ USD → US accounts
└─ Daily FX → CADKeep accounts in their own currencies. Sightline converts their values to the household currency with dated exchange rates.
PROPERTY
A rental with partial owners.
Owner A ── 60% ─┐
├─ Rental
Owner B ── 40% ─┘ ├─ Loan
└─ Rent
Rental → secures the loan
Rent shares → 60 / 40A secured loan stays linked to the property. Income reports return source amounts and owner shares. The agent calculates each owner amount.
PRIVATE ASSETS
Assets without a ticker.
Person ├─ 25% → Private company └─ 50% → Property Dated values → Value history
Record a private company stake or property with a dated value. Keep each new observation and its ownership history.
INCOME
Expected income. Actual income.
Income source
├─ Expected → Amount + Period
└─ Reports → Gross income
Tax withheldKeep expected amounts separate from reported gross income and tax withheld. Preserve the recipient and the report period.
Five parts. One model.
Keep a fact’s meaning
with the fact.
Dated ownership lets the model follow a change of owners. It keeps corporation ownership and trust roles distinct. The household total counts a value one time.
THINGS
Entities & accounts
People, corporations, and trusts. Cash, investment accounts, property, private businesses, debt, and other assets.
STATES
Values & holdings
A dated account value or end-of-day instrument quantity. An investment account uses a total or holdings valuation.
FLOWS
Transactions
Income, expense, transfer, buy, and sell. A transfer pair keeps movement separate from income.
EXPECTATIONS
What you expect
Income sources carry expected amounts, periods, and recipients. The model keeps expected income separate from actual reports.
REPORTS
What you record
Gross income and tax withheld for an inclusive period. An asset source returns dated owner shares with the full source amount.
Kept current in the background
Connected banks.
Dated market facts.
Canada and the United States.
Bank connections
Plaid connects chequing and savings, credit cards, lines of credit, loans, and mortgages. Imports run every six hours and on each bank webhook.
Investments
You or your agent record trades, holdings, or one account total. Sightline prices public instruments from market data.
Daily facts
Daily public instrument and index closes. Daily exchange rates. Currency conversion and daily net worth with history.
Honest totals
Results identify incomplete, stale, or estimated data. They state the effective scope. A restricted total covers only permitted records.
Your calculations
The agent or app calculates returns, taxes, budgets, and other results. Sightline supplies two skills: account setup and a Canadian income tax estimate that the agent executes.
The complete public surface
32 tools.
19 read. 13 write.
Every agent and app uses this contract. The grant controls which tools and records it can use. Search the tool names or descriptions.
32 tools · 19 read · 13 write
FULL = full detail requiredStart & household
Read the setup skill, household state, and available instructions.
Read the setup skill, household state, and scope of the grant first.
List the available skills, versions, and variants.
Read a skill for an entity and tax year within the grant scope.
get_householdreadRead household currency, counts, and data freshness within scope.
update_householdwriteChange the household currency with full household scope.
Get the control page URL for human setup and access actions.
get_net_worthreadRead net worth, history, components, and completeness within scope.
Entities & ownership
Represent people, corporations, trusts, and their dated relationships.
List tax entities within the grant scope.
create_tax_entitywriteCreate a person, corporation, or trust after a check for duplicates.
update_tax_entitywriteChange an entity alias, jurisdiction, currency, or flags.
List dated ownership shares and trust roles.
Set an ownership share or trust role with inclusive dates.
Accounts & banks
Read accounts, record values, and check bank import status.
list_accountsreadList accounts with owners, selected values, and data freshness.
create_accountwriteCreate a manual account with an optional first dated value.
update_accountwriteChange account details, valuation mode, or dated owners.
record_account_valuewriteAdd a dated value observation in the account currency.
Read account observations and selected daily values.
List bank connections, account summaries, and last import times.
Holdings, prices & currency
Record investment state and read public prices and exchange rates.
list_holdingsreadList dated holdings, prices, and account total comparisons.
record_holdingwriteRecord an instrument quantity or cash amount at the end of a date.
Find public instruments and indexes for holdings and benchmarks.
Read dated public instrument prices and benchmark closes.
Read dated exchange rates for currency conversion.
Transactions
Keep income, expense, transfer, buy, and sell flows distinct.
List ledger records with account, entity, date, type, and category filters.
Create up to 200 manual transaction rows in one atomic write.
Change a manual transaction or classify a bank transaction.
Sum cash amounts and counts by currency and selected groups.
Income expectations & reports
Separate expected amounts from actual gross income and tax withheld.
List income sources, expectations, yearly rates, and recipients.
Create or change an income source and its expected amounts.
Record gross income and tax withheld for an inclusive period.
List income reports by recipient, source, and date range.
Record removal
Remove manual records within the write scope of the grant.
delete_recordwriteDelete a manual record and retain its prior values in the change log.
No tool matches these filters.