cash-flow

name	cash-flow
description	Analyze income vs expenses over 6 months, calculate savings rate, identify negative months, and project future balances. Use when the user asks about cash flow, savings rate, burn rate, or "am I saving money?"

Analyze cash flow trends over the last 6 months and project forward.

Call these MCP tools:

0. Call search_learnings (no args) to see the memory index. Check for income profile, spending targets, goals, and investment plan. Call get_learning for the specific IDs you need.
1. get_monthly_comparison with months set to 6
2. get_balances for current account balances

Transfer and Loan Payment Handling

Always call get_accounts first to know what accounts are connected.

LOAN_PAYMENTS (always count as spending): Loan payments (mortgage, credit card, auto, student, BNPL) are real expenses and should always be counted in spending. Credit card payments show on both sides; only count the outflow (positive amount) as spending.

TRANSFER_IN / TRANSFER_OUT (the model decides): The get_monthly_comparison tool returns raw totals INCLUDING transfers, plus a separate transfers field showing in and out amounts per month. Use this to adjust the numbers:

1. Check the transfers field to see how much is TRANSFER_IN and TRANSFER_OUT each month
2. Call get_accounts to get connected institutions
3. If needed, call get_transactions filtered to TRANSFER_IN or TRANSFER_OUT to see the actual counterparties
4. Subtract verified internal transfers (between connected accounts) from spending/income
5. Keep external transfers (to/from non-connected accounts) as real spending or income
6. Show both the raw totals and adjusted totals so the user can verify

From the results, calculate and present:

Monthly Trend Table with columns: Month, Income, Spending, Net, Savings Rate (%). Show all 6 months. Highlight any months where net is negative (spent more than earned).

Averages

• Average monthly income
• Average monthly spending
• Average monthly net savings
• Overall savings rate (total net / total income as percentage)

Cash Position

• Current total cash (from balances)
• Current total credit used
• Net liquid position (cash minus credit)

Projection At the current average monthly net rate:

• Projected cash balance in 3 months
• Projected cash balance in 6 months
• If net is negative: how many months until cash runs out at this rate

Observations Note any trends: is income growing or shrinking? Is spending accelerating? Are there seasonal patterns? Which direction is the savings rate moving?

Format as clean markdown with tables. Use currency formatting. Keep observations concise and actionable.

After presenting results: If income or spending patterns have changed from what's stored in learnings, update the existing learning by ID via save_learning. Only save new learnings for insights that are not derivable from a single tool call and are missing from memory.