The Beancount Tool is an MCP server designed to offer a robust, offline-first interface for interacting with Beancount 3.2.0 ledgers. It exposes structured APIs for viewing accounts, balances, income sheets, and transactions, alongside capabilities for inserting, updating, and removing transactions. Emphasizing correctness, safety through file locking, atomic writes, and backups, and clear error messages, it also includes a natural-language Q&A layer that maps questions to safe, read-only BeanQuery templates, making financial data accessible to MCP-compatible clients like IDE agents or chat assistants.