Cash Forecast

/cash-forecast — Cash Position Forecast

Project the household's cash position over 30, 60, and 90-day horizons using recurring patterns, scheduled transactions, and liability obligations.

MCP Tool Map

• Historical patterns: actual-budget.analytics(operation="monthly_summary"), actual-budget.analytics(operation="spending_by_category")
• Scheduled transactions: actual-budget.schedule
• Current balances: actual-budget.analytics(operation="balance_history"), actual-budget.account
• Liability schedule context: finance-graph.list_liabilities, finance-graph.generate_liability_amortization, finance-graph.get_liability_summary

Scripts

• scripts/forecast_builder.py — driver-based 13-week rolling cash flow projection with scenario modeling; feed it actual-budget.analytics historical data and finance-graph liability schedule

Steps

1. Pull current balances and separate liquid cash from credit/other non-liquid accounts.
2. Pull scheduled inflows/outflows and 3-month variable-spend averages.
3. Pull liability obligations from Finance Graph (next payments, amortization rows where needed).
4. Build 30/60/90-day projected balances and identify trough dates.
5. Flag risk conditions (sub-1-month runway, clustered outflows, timing mismatches).

Output Contract

Always include:

• as_of timestamp
• starting liquid cash
• projected balances for 30/60/90 days
• minimum projected balance and date
• assumptions and risk flags
• recommended mitigation actions and provenance