Forecast supplier cash-out over 90 days

# 90-day supplier cash-out forecast

## Purpose

Estimate upcoming cash out from supplier invoices still to pay, by horizon: overdue, within 30 days, 31 to 60 days, 61 to 90 days. Then compare the nearest horizon with the cash available on the wallet.

**What the forecast leaves out**: invoices not yet received or still waiting for approval, upcoming card spend, future subscriptions, and anything that does not go through Spendesk (payroll, rent). It is a floor, not a full cash forecast: say so in the report.

State today's date and the exact bounds of each horizon before the calls.

## Step 1 — Overdue and total upcoming

```json
{ "tool": "spendesk_get_due_invoices", "params": { "includeUpcoming": true, "includeLineItems": false } }
```

- `summary.totalOverdueAmount`: what should already have been paid.
- `data.upcoming`: **all** unpaid invoices due in the future, with no horizon limit. It is not the "90-day" figure; it serves as a check for the next steps.

## Step 2 — Split by horizon

One call over the next 90 days:

```json
{
  "tool": "get_payables",
  "params": { "filters": { "operator": "and", "subfilters": [
    { "field": "paymentStatus", "operator": "=", "value": ["toPay"] },
    { "field": "payableType", "operator": "=", "value": ["invoicePurchase"] },
    { "field": "dueDate", "operator": "between", "value": { "from": "2026-10-05T00:00:00.000Z", "to": "2027-01-03T23:59:59.999Z" } }
  ] } }
}
```

Sort each invoice by its `dueDate`: 0-30, 31-60, 61-90 days. Add up `outstandingFunctionalAmount`, what is left to pay in functional currency — not `amount`, which is the full amount even when the invoice is already part-paid. Page with `cursor`.

The status value is `toPay`; there is no `approved` or `unpaid` value. The bookkeeping status field is called `bookkeepingStatus` and is not used here.

## Step 3 — Invoices with no due date

```json
{
  "tool": "get_payables",
  "params": { "filters": { "operator": "and", "subfilters": [
    { "field": "paymentStatus", "operator": "=", "value": ["toPay"] },
    { "field": "payableType", "operator": "=", "value": ["invoicePurchase"] },
    { "field": "dueDate", "operator": "=", "value": null }
  ] } }
}
```

Show them on a separate line. Do not invent a due date for them: if the user wants an assumption (for example 30 days after the invoice date), apply it and say so.

## Step 4 — Compare with what is available

```json
{ "tool": "get_wallet_summary", "params": {} }
```

Compare "overdue + 0-30 days" with `totalAvailableAmount`, and name that figure. If `scheduledTransfersAmount.scheduledInvoicesAmount` is above zero, those invoices are already deducted from the available amount: do not count them twice.

## Report

```
Forecast supplier cash-out — as of <today's date>

Overdue            X EUR   (N invoices)
0-30 days          X EUR   (N)
31-60 days         X EUR   (N)
61-90 days         X EUR   (N)
No due date        X EUR   (N)

Wallet available: X EUR — covers / does not cover "overdue + 0-30 days"
Not included: invoices not received or not approved, cards, subscriptions, outside Spendesk
```

All amounts are in functional currency. One company at a time.

## Observed result (demo account, 5 October 2026)

EUR 19,095.67 overdue across 11 invoices, nothing due in the next 90 days, and EUR 97,300.29 available: the overdue amount is covered five times over.

## Example prompts
- "What supplier cash-out do we expect over the next 90 days?"
- "Do we have enough on the wallet to cover next month's invoices?"
- "How many invoices to pay have no due date?"