Toshl

Toshl Finance is a personal finance and budgeting platform (a 500 Global portfolio company, founded in Slovenia) that helps people track expenses, organize bills, and budget across mobile and web apps, with bank account connections or manual entry. Its Toshl API at api.toshl.com exposes the user's complete personal-finance graph - accounts, entries (expenses and incomes), budgets, categories, tags, locations, images, currencies, exports, planning, and bank institutions/connections/imports - as a REST JSON API with OAuth 2.0 (per-resource read/read-write scopes) or long-lived personal tokens.

Toshl is listed with 1 API on the APIs.io network. Tagged areas include Personal Finance, Budgeting, Expense Tracking, Fintech, and Banking.

Toshl’s developer surface includes documentation, API reference, getting-started guide, pricing, signup flow, engineering blog, support, and 19 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

33.9/100 thin ▬ flat Agent 8/100 agent aware Front door AI 1/6 silent Heartbeat 50/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 API

Personal Finance Budgeting Expense Tracking Fintech Banking Consumer App Company

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 33.9/100 · thin

Contract Quality 0.0 / 21

Developer Ergonomics 9.7 / 17

Access Clarity 7.6 / 17

Operational Transparency 3.8 / 11

Contract Governance 0.5 / 10

Discoverability 5.6 / 9

Regulatory Posture 5.0 / 15

Agent readiness — 8/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link

10 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Contract Governance scores 4.5 — up to +11.5 composite points
Access Clarity scores 44.7 — up to +11.1 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/toshl/apis.yml: open an issue on github.com/api-evangelist/toshl to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Raycast Store Extensions (first-party publishers + community-wrapped products)	covered	9.6 (thin)	-	1

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Toshl API

REST JSON API for the Toshl personal finance platform. Manage accounts, entries (expenses and incomes with repeats per RFC 5545, transactions, images, locations), budgets, categ...

Rate Limits 1

Documented rate limits and quota policies.

Toshl Rate Limits

0 limits

RATE LIMITS

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Toshl Authentication

oauth2/http-basic · 2 schemes

SECURITY

Toshl Domain Security

TLSv1.2 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Toshl Scopes

16 scopes · authorizationCode/implicit

16 scopes

SCOPES

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

WellKnown

WellKnown

Design & Contract 4

Pagination, idempotency, versioning, errors, and events

ErrorCatalog

Conventions

Conformance

Lifecycle

Build 2

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

OAuthScopes

OAuthScopes

Operate 4

Status, limits, changes, and where to get help

Support

StatusPage

ChangeLog

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Pricing

Pricing

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: toshl
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - scopes
  - rate-limits
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/toshl.png
name: Toshl
description: Toshl Finance is a personal finance and budgeting platform (a 500 Global portfolio company, founded in Slovenia)
  that helps people track expenses, organize bills, and budget across mobile and web apps, with bank account connections or
  manual entry. Its Toshl API at api.toshl.com exposes the user's complete personal-finance graph - accounts, entries (expenses
  and incomes), budgets, categories, tags, locations, images, currencies, exports, planning, and bank institutions/connections/imports
  - as a REST JSON API with OAuth 2.0 (per-resource read/read-write scopes) or long-lived personal tokens.
url: https://raw.githubusercontent.com/api-evangelist/toshl/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
x-tier: stub
x-tier-reason: portfolio-lead
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 12
  pass: local-v1
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Personal Finance
- Budgeting
- Expense Tracking
- Fintech
- Banking
- Consumer App
- Company
tags_raw:
- Personal Finance
- Budgeting
- Expense Tracking
- FinTech
- Banking
- Consumer Apps
- Company
apis:
- name: Toshl API
  description: REST JSON API for the Toshl personal finance platform. Manage accounts, entries (expenses and incomes with
    repeats per RFC 5545, transactions, images, locations), budgets, categories, tags, currencies, exports, planning, and
    bank institutions/connections/imports. OAuth 2.0 (authorization code and implicit) with per-resource r/rw scopes or personal-token
    basic auth; versioned via the application/vnd.toshl+json media type; Link-header pagination and X-RateLimit headers.
  humanURL: https://developer.toshl.com/docs/
  baseURL: https://api.toshl.com
  tags:
  - Personal Finance
  - Budgeting
  - Expenses
  - Account
  - Banking
  tags_raw:
  - Personal Finance
  - Budgeting
  - Expenses
  - Accounts
  - Banking
  properties:
  - type: Documentation
    url: https://developer.toshl.com/docs/
  - type: APIReference
    url: https://developer.toshl.com/docs/
  - type: Authentication
    url: https://developer.toshl.com/docs/oauth
  - type: Errors
    url: https://developer.toshl.com/docs/errors
  - type: ChangeLog
    url: https://developer.toshl.com/docs/changelog
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/toshl-domain-security.yml
- type: Website
  url: https://toshl.com
- type: DeveloperPortal
  url: https://developer.toshl.com/
- type: Documentation
  url: https://developer.toshl.com/docs/
- type: APIReference
  url: https://developer.toshl.com/docs/
- type: GettingStarted
  url: https://developer.toshl.com/
- type: TermsOfService
  url: https://toshl.com/terms/
- type: PrivacyPolicy
  url: https://toshl.com/privacy/
- type: Pricing
  url: https://toshl.com/pricing/
- type: SignUp
  url: https://toshl.com/signup
- type: Login
  url: https://toshl.com/login
- type: Blog
  url: https://toshl.com/blog/
- type: Support
  url: https://support.toshl.com/
- type: GitHubOrganization
  url: https://github.com/toshl
- type: StatusPage
  url: https://status.toshl.com
- type: Authentication
  url: authentication/toshl-authentication.yml
- type: OAuthScopes
  url: scopes/toshl-scopes.yml
- type: ErrorCatalog
  url: errors/toshl-problem-types.yml
- type: Conventions
  url: conventions/toshl-conventions.yml
- type: ChangeLog
  url: changelog/toshl-changelog.yml
- type: Conformance
  url: conformance/toshl-conformance.yml
- type: Lifecycle
  url: lifecycle/toshl-lifecycle.yml
- type: LLMsTxt
  url: llms/toshl-llms.txt
- type: WellKnown
  url: well-known/toshl-well-known.yml
- type: Packages
  url: packages/toshl-packages.yml
- type: RateLimits
  url: rate-limits/toshl-rate-limits.yml

Toshl API — frequently asked questions

Does Toshl have an API?

Yes. APIs.io lists 1 API from Toshl, including Toshl API.

How do I authenticate with the Toshl API?

Toshl uses bearer-token authentication (oauth2/http-basic · 2 schemes). The details are profiled on APIs.io as Toshl Authentication.

Is the Toshl API ready for AI agents?

Toshl has a Kin Score of 33.9 out of 100 (thin) and an Agent Readiness score of 7.9 (agent-aware), scored by API Evangelist on 2026-11-06.

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