Hire an AI cash flow and expense analyst

Everything it can hand back

Your task sets the actual outputs. The specialist picks the methods that cover them.

• Your cash position today, and what changed over the period
• Spending by category, with the largest items and any that repeat or look doubled
• A forecast table with the assumption behind each line
• The weeks cash falls below your minimum, and the amount short
• A list of costs to trim or delay and money to collect sooner, with open checks

How it does the job well

• Check the data first. Report the date range, the number of transactions, any gaps in dates, and whether the opening balance plus the net of the transactions equals the stated closing balance. If it does not, say so and show the difference before going on.
• Build the forecast only from the user's history, the known items they gave and assumptions you list. Never add a bill, a payment or a growth rate that is not in the data or given by the user. A growth or seasonal adjustment needs a stated basis or the user's say-so, otherwise leave it out.
• Show each assumption with its source (your data, you or estimate) and what happens if it is wrong.
• Show a range, not one line. Use the user's own better and worse case if given. If not, show two labelled test shifts (receipts 10% lower and 25% lower) and say they are tests, not predictions.
• If your AI can run code or read files, use it for the sums and say so. If not, do the arithmetic in the reply and say it was done by hand.
• Reconcile to source documents, such as bank statements, ledgers and invoices, before reporting.
• Show the calculation, inputs and period for every figure.

Mistakes it avoids

• Forecasting growth with no basis.
• Hiding a data mismatch to make the forecast look clean.
• Advising the user to delay tax, payroll or loan payments.
• Copying the profile's sample report, code or targets as if they were the user's facts.
• Mixing cash and accrual figures, or different periods, in one comparison.
• Rounding or formula errors that do not tie back to totals.

What a good result looks like

An example, not your task: You want to know how much cash you will have in 13 weeks, and when it dips.

• Frame. The balance date, the transaction period, the forecast span and your minimum cash.
• Cash position. Balance today, change over the period and average monthly receipts and payments.
• Spending by category. Each category with its total and share, and items that repeat, are new or look doubled.
• Forecast. Each week or month with receipts, payments, net and closing cash.
• Assumptions. Each assumption, its source and the effect if it is wrong.
• Low-cash weeks. The weeks cash falls below your minimum, the amount short and the main drivers.

How the work is checked

• Totals tie out, and differences are explained line by line.
• Forecast assumptions are listed and easy to change.
• Anything not checked by a qualified person is marked as needing review.
• States which checks passed, failed or could not run, and names missing inputs.

These checks have not been run against a model yet. Your AI uses them to check its own work.

Capabilities

• Set the frame. It confirms the balance date, the period of transactions and the forecast span. Anything missing is asked once, then marked MISSING.
• Sort the spending. It groups transactions into categories you can act on, and flags repeats, new items and likely doubles.
• Find the pattern. It works out your usual monthly receipts and payments from history, and notes any seasonal swings in the data.
• Build the forecast. It adds your known bills and income to the pattern and shows each assumption in a table.
• Mark the pinch points. It shows the weeks cash drops below your minimum, the amount short and which items drive it.
• List the moves. It lists costs to trim or delay and money to collect sooner, with the checks you need to make first.

How the role works

1. Checks your task, context and available tools.
2. Picks the methods needed and prepares a work plan.
3. Carries out supported tasks, with each method's limits and review gates.
4. Checks the real deliverables and corrects supported faults.
5. Hands back files, evidence and unresolved gaps.

Your specialist's working setup

Download the base specialist without a task form or account. README.md and SETUP.md explain how to use the folder. SOUL.md defines its scope. INTAKE.md asks missing questions inside your AI. PLAYBOOK.md, SKILLS.md, BEST_PRACTICES.md, CHECKS.md and HANDOFF.md guide the work and its checked deliverables.

Complete associated skills, supporting files and licences are included. Choose only the methods needed for the actual task. Keep context, working files and accepted feedback in your AI project.

Use this specialist through MCP or the API

Call prepare_specialist with role_id support-finance-tracker only. No task is required to load it. Your AI asks what job you need done, what you want back and which relevant context it can use.

For task-led hiring, call find_specialist, explain the suggested specialists and let the user accept or change the team.

Complete ZIP: Download base specialist. API: GET /api/v1/specialists/support-finance-tracker/pack. The host AI supplies its own model, tools and execution; a pack does not connect accounts or run a task.

Inputs and helpful context

The specialist starts from the task brief. Only active methods require their inputs.

For the primary method, when used

• Your bank balance today, from your latest statement, with its date (required).
• Three to twelve months of bank and card transactions, as a CSV, a PDF or a pasted list (required).
• The forecast period you want, such as the next 13 weeks or 12 months.
• Bills and income you know are coming, with dates and amounts, such as rent, payroll, tax payments and large invoices
• The lowest cash balance you can accept (optional)

Helpful context (optional)

• Your unpaid customer invoices with due dates, so receipts are timed from real bills.
• A list of your subscriptions and contracts with renewal dates.
• Last year's bank lines for the same months, if you have seasonal swings.

Tools and access

• Claude, ChatGPT or Gemini with file upload and code: It reads your bank CSV as a file and runs the sums in code, which is faster and less error-prone than by hand. File upload and code running may need a paid plan, depending on the tool. Pasting the lines works without them.

Functions and deliverables

• Cash flow and expense analyst: Get a cash and expense review from your bank and card exports, with a cash forecast, the assumptions behind it and the weeks cash runs low.
  • Your cash position today, and what changed over the period
  • Spending by category, with the largest items and any that repeat or look doubled
  • A forecast table with the assumption behind each line
  • The weeks cash falls below your minimum, and the amount short
  • A list of costs to trim or delay and money to collect sooner, with open checks
  Source: Michael Sitarzewski and Agency Agents contributors.
• Expense sorter: Provide dated transactions, amounts, merchants and business context. Get category and team totals, plus tax items to review for the stated jurisdiction.
  • Categorized transaction list
  • Department assignment
  • Tax-deductible flags
  • Totals by category and department
  • Uncertain items to review
  Source: Burhan Sebin.
• Cash forecast builder: Build a 30, 60 and 90 day cash forecast from your invoices, bills and fixed costs. See if you can make payroll, with risks named.
  • A 30, 60 and 90 day cash forecast with a low and high range for each
  • Up to five named risks, biggest dollar impact first
  • An Excel workbook with summary, detail and risk sheets
  • A short chat summary with the forecast table
  • A forecast page in the format you prefer
  Source: Anthropic.
• Payment timing cash balance planner: Share timed receipts and payments. Track cash through three settlement periods and find the largest funding gap.
  • The closing balance after each of the three settlement times
  • The lowest balance across the day, including the opening balance
  • The funding gap: how far the lowest balance is below your minimum, or zero
  • A note on what the ladder cannot show inside one time slot
  • A list of missing facts and checks that could not run
  • A small workbook with the same sums, if your AI can make files
• me.md builder: Answer a few questions, or let your AI use what it remembers. Get one private file that tells any AI who you are.
  • One me.md file with up to ten dated sections
  • A list of facts taken from memory, for you to check
  • A short note of what it removed for privacy
  • The two next steps, to save it and set it up

Tasks you can use it for

• You want to know how much cash you will have in 13 weeks, and when it dips.
• Your bank balance is lower than you expected and you want to see where it went.
• A big bill is due soon and you want to know if you can pay it without a squeeze.
• You want a quick list of costs you could trim, from three months of bank and card lines.

Limits to check before starting

• You want to sort every transaction into tax and department categories. Use the Expense sorter.
• You want to know how many months of cash a startup has. Use the Startup cash forecast builder.
• You want a first budget built. Use the Budget and forecast builder.
• You need tax filing, an audit or investment advice. Hand those to a qualified accountant or adviser.

Best way to use this role

Give it one clear outcome, the actual files and a definition of done. Keep the work in one AI project so it can reuse checked context and earlier files.

• Download the pack from this page and add it to your AI as a skill. If you cannot, paste SKILL.md into a new chat, then paste references/source-agent.md.
• Paste your balance and your transactions. Name the forecast period and the lowest cash balance you can accept. Remove account numbers first.
• List the bills and income you know are coming, with dates and amounts. No code is needed. If your AI cannot run code, it will do the sums in the reply, so check the totals.
• Type "Review my cash and spending. Show each assumption. Do not guess a bill or a payment I did not give you."
• Read the assumptions table first. Change any that are wrong and ask for the forecast again.
• Act on the low-cash weeks first. Then check the trim list against contracts before you cancel anything.

Read it as data

Read the complete role setup as JSON. Connect your AI to the AI Blocks MCP library and read aiblocks://roles/support-finance-tracker for its role instructions and pinned sources.

This is a prepared AI role. No task has run. Your AI carries out authorized work using its available tools and reports the actual deliverables and checks.