# Monthly Cashflow Planner AI Agent Connect > Monthly Cashflow Planner is a financial planning engine that connects your AI client to your monthly income and bill schedule. It calculates exactly how much you can spend each week, flags potential cash shortages before they happen, and checks if your savings goals are actually reachable based on your current trajectory. ## Overview - **Category:** productivity - **Price:** Free - **Endpoint:** https://edge.vinkius.com/vk_preview_F6dJASSeG1Y7hOjN3VaugHiZIMdZnklpxfAN0vDK/ai-agent-connect - **Tags:** budgeting, cashflow, finance, liquidity, planning ## Description You can stop guessing how much money you have left for the week. This MCP turns your AI client into a sharp financial controller that understands your specific cashflow timing. Instead of looking at a static bank balance, your agent looks at the timing of your paychecks against the timing of your bills. It maps out your liquidity throughout the month so you know exactly when you'll be tight on cash and when you have breathing room. You can ask your agent to run the numbers on a new savings goal or check if a planned large purchase will leave you short on rent next week. It handles the math of weekly discretionary limits and provides a clear view of your month-end status. It's about knowing your safe-to-spend amount in real time without manual spreadsheet updates. ## Tools ### check_liquidity_health This tool identifies if you will run out of money at any specific point during the month. It flags potential shortfalls based on your income and bill schedule. ### calculate_weekly_budget This tool provides a week-by-week breakdown of your available discretionary spending. It tells you exactly how much you can spend each seven-day period. ### get_monthly_summary This tool generates a high-level overview of your month-end status. It summarizes total inflows, outflows, and your final net cashflow. ### analyze_spending_capacity This tool determines if your variable spending caps and savings goals are realistic. It evaluates your ability to meet financial targets based on your current cashflow. ## Prompt Examples **Prompt:** ``` I have $2000 starting balance. I get $3000 on day 15. I have a $1200 rent bill on day 5 and a $500 savings goal for day 25. How much can I spend each week? ``` **Response:** ``` Based on your schedule, your weekly safe-to-spend amounts are: Week 1: $400, Week 2: $300, Week 3: $600, Week 4: $400. ``` **Prompt:** ``` Will I run out of money this month if I have $500 starting balance, a $600 bill on day 10, and no other income? ``` **Response:** ``` Yes, you will face a shortfall. Your balance will drop to -$100 on day 10. ``` **Prompt:** ``` Give me a summary of my month: $1000 start, $4000 total income, $2500 total bills, and $500 savings. ``` **Response:** ``` Your month-end status: Ending Balance: $2000, Total Inflow: $4000, Total Outflow: $3000, Net Cashflow: $1000. ``` ## Capabilities ### Weekly Budgeting Your agent calculates specific discretionary spending limits for every week of the month. ### Shortfall Detection The AI identifies specific dates where your balance might drop below zero. ### Goal Validation Your agent checks if your planned savings or spending caps are mathematically possible. ### Monthly Reporting The AI provides a summary of total income, total bills, and net cashflow. ## Use Cases ### Managing Irregular Income Ask your agent to calculate safe-to-spend amounts when you receive large, infrequent paychecks. ### Planning Large Purchases Check if a specific upcoming expense will cause a liquidity shortfall later in the month. ### Savings Goal Tracking Verify if your current spending habits allow you to hit a specific savings target by month-end. ### Weekly Spending Control Get a specific dollar amount for discretionary spending every Monday to stay on track. ## Benefits - Identifies cash shortages before they happen. - Breaks down monthly limits into manageable weekly amounts. - Validates the feasibility of savings goals against actual cashflow. - Provides a clear view of month-end financial status. ## How It Works Connect your client to Vinkius and start managing your cashflow through natural language. 1. Connect your preferred MCP-compatible client to Vinkius. 2. Provide your starting balance, income dates, and bill amounts to your agent. 3. Ask your agent to calculate weekly budgets or check for liquidity issues. 4. Receive immediate, actionable financial breakdowns from your AI client. ## Frequently Asked Questions **How does this MCP help with budgeting?** It calculates weekly discretionary spending limits and checks if your monthly savings goals are realistic based on your income and bills. **Can I use this with Claude or Cursor?** Yes, you can connect this MCP to any MCP-compatible client like Claude, Cursor, or Windsurf. **Will it tell me if I am going to run out of money?** Yes, the check_liquidity_health tool specifically identifies if your balance will drop below zero at any point in the month. **Do I need to manually update a spreadsheet?** No, you simply give your income and expense details to your AI client, and it performs the calculations for you. **What kind of summary does it provide?** The get_monthly_summary tool provides a high-level view including your starting balance, total inflow, total outflow, and net cashflow. **How does the safe-to-spend calculation work?** The `calculate_weekly_budget` tool determines available cash by subtracting upcoming fixed bills, necessary savings contributions, and a proportional portion of your variable spending caps from your current balance. **Can I detect if I will run out of money mid-month?** Yes, use `check_liquidity_health` to identify if your balance will drop below zero at any point during the month and to see how many days of coverage you have. **How are savings goals handled?** Savings goals are treated as planned outflows. The engine checks if your income and starting balance can cover both your fixed bills and your intended savings targets.