cash-flow

分类: 工具与效率 | 上传者: hadijaveed | 下载: 0 | 版本: v1.0（最新）

分析 6 个月内的收入与支出、计算储蓄率、识别负数月份并预测未来余额。当用户询问现金流、储蓄率、烧钱率或“我省钱了吗？”时使用。

更新日志: Source: GitHub https://github.com/hadijaveed/fino

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SKILL.md

---
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.

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cash-flow

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