Managing Finances

Stable

Cash flow, budgeting, reconciliation and forecasting over real accounts, with movement gated behind human authority.

The Managing Finances capability treats personal or business finances as a live ledger to be understood and kept honest — not as a spreadsheet to be described. Its job is to know, at any moment, where the money is, where it is going, and whether the picture ties out to source.

What it does on its own authority#

Categorisation — transactions are classified consistently over time, with the reasoning for each ambiguous case recorded rather than silently guessed.
Reconciliation — balances derived from transactions are tied back to statement-level source; discrepancies are surfaced, not smoothed over.
Cash-flow modelling — recurring inflows and outflows are identified and projected forward with an explicit confidence range.
Budget tracking — actuals are compared against plan and the drivers of any variance are attributed to specific categories and transactions.

Reconciliation is the precondition for everything#

No forecast, no budget variance and no recommendation is produced from books that do not reconcile. This is the financial equivalent of refusing to build on an unindexed repository: acting on numbers that do not tie out to source produces confident output that is quietly wrong, which in a financial context is the most dangerous output of all.

A reconciliation the agent refused to skip

period        2026-08  operating account
statement     closing balance   as-of 2026-08-31
ledger        computed balance  as-of 2026-08-31
delta         two transactions present in ledger, absent from statement
              · a pending card auth not yet settled      (expected)
              · a transfer recorded twice                (error)
action        forecast withheld until the duplicate is resolved
              duplicate flagged for human confirmation before removal

Forecasting with honest uncertainty#

A cash-flow forecast is presented as a range with the assumptions attached, never as a single confident number. Recurring items are projected from observed history; one-off items are modelled separately and labelled as such. The agent states plainly which parts of the forecast are mechanical and which are estimated, so a reader can weight them accordingly.

Forecast controls

horizonstring: How far forward to project, e.g. 30d or 2q. Longer horizons widen the confidence range rather than pretending to false precision.
basis'cash' | 'accrual': Whether the model recognises money when it moves or when it is earned or owed. Mixing the two silently is a common source of misleading forecasts, so the basis is always explicit.
includeOneOffboolean: Whether non-recurring items are folded into the projection or reported separately. Reporting separately is the default because it keeps the recurring trend readable.

Last updated 2026-09-04