Cash Flow Forecast
Overview
Section titled “Overview”The Cash Flow Forecast skill analyzes income and expense trends, identifies recurring patterns and seasonal variations, and projects future balances for 3-6 months.
Methodology
Section titled “Methodology”- Moving average — Uses 3-month moving average for baseline projection
- Recurring detection — Identifies fixed recurring income and expenses
- Seasonal adjustment — Detects spending patterns by month (holidays, tax season, etc.)
- Projection model — Base spending + trend adjustment + seasonal factors
Risk Indicators
Section titled “Risk Indicators”| Indicator | What It Measures |
|---|---|
| Months to negative | At current burn rate, when will savings run out? |
| Savings rate | (Income - Expenses) / Income x 100 |
| Expense-to-income ratio | Total expenses / Total income |
| Volatility score | Standard deviation of monthly spending |
Workflow
Section titled “Workflow”- Analyze trends — Reviews 3-6 months of income and expense data, calculates monthly totals and direction
- Identify recurring — Finds all recurring income (paychecks, freelance) and recurring expenses (rent, subscriptions, utilities) with frequency and amounts
- Detect seasonal patterns — Compares spending by category across months for seasonal spikes
- Build projection — Using 3-month moving average as baseline:
- Adds known recurring income/expenses
- Applies seasonal adjustments
- Projects net balance for the next 6 months
- Generate forecast report:
- 6-month projection table (Month | Income | Expenses | Net | Balance)
- Risk indicators
- Key assumptions
- Recommendations for improving cash flow
- Export — Raw data export available
Important Notes
Section titled “Important Notes”- Projections are estimates based on historical patterns — actual results will vary.
- Months where projected balance goes negative are flagged prominently.
- One-time large expenses that skew averages are noted and excluded from projections.