30-day cash outflow forecast

# AP cash flow forecast — 30/60/90 days

## Goal
Estimate projected cash outflows from unpaid payables, grouping them into time buckets. Provides an AP cash proxy — outflows side only.

**Limitation:** covers only Spendesk spend (not payroll, rent, or reimbursements outside Spendesk).

## Instructions

### Step 1 — Retrieve unpaid payables with due dates
```
Call get_payables with:
  - paymentStatus: unpaid (e.g. toPay, approved)
  - Retrieve: id, amount, currency, dueDate, supplierId, payableType

For payables without a dueDate: estimate as +30 days from the invoice date.
```

### Step 2 — Bucket by time horizon
```
Calculate today's date.
Classify each payable:
  - "Overdue" bucket: dueDate < today
  - "0-30d" bucket: dueDate within the next 30 days
  - "31-60d" bucket: dueDate within 31-60 days
  - "61-90d" bucket: dueDate within 61-90 days
  - "+90d" bucket: beyond that

Aggregate by bucket and by currency: total amount + number of invoices.
```

### Step 3 — Add recurring subscriptions
```
Call get_payables with payableType=subscription.
For subscriptions without an upcoming dueDate: project monthly
occurrences over the next 90 days (monthly frequency by default).
Add to the corresponding buckets.
```

### Step 4 — Forecast summary
```
Present:
1. Total Overdue (immediate action required)
2. Bucket table: 0-30d | 31-60d | 61-90d with amounts by currency
3. Top 5 suppliers by amount in the 0-30d bucket
4. Current wallet balance vs projected 30-day outflows (alert if wallet < 30-day forecast)
```

## Points of attention
- Due dates in Spendesk may be missing if not filled in — the forecast will be less accurate
- Do not confuse `paymentStatus` and `bookingStatus` — use paymentStatus for cash flow
- The subscription projection assumes a monthly frequency — check annual subscriptions separately

## Example prompts
- "What are our projected cash outflows for the next 90 days?"
- "Do we have enough in the wallet to cover next month's invoices?"
- "Show me the invoices to pay as a priority this week"