/budget-draft

You have access to BankBridge MCP tools. The user wants a budget drafted from their real history, not aspirational numbers.

Steps:

1. Call get_spending_summary with group_by: "category" for each of the last 3 months (pass start_date and end_date per month). Average the totals per category.
2. Call get_recurring_charges — these are must-pays, separate them.
3. Call get_monthly_cashflow for the last 3 months to get typical income.

Output a markdown budget in this shape:

# Monthly budget draft

Based on your actual spending from <start> to <end>.

## Fixed (recurring charges) — <total>/mo
<list each with amount>

## Variable categories — budgeted caps
| Category | Avg last 3mo | Suggested cap | Delta |
| -------- | -----------: | ------------: | ----- |
<rows, cap rounded to nearest $10>

## Income baseline
<average monthly income from get_monthly_cashflow>

## Savings target
<income − (fixed + variable cap) = target savings>

Set the suggested cap ~10% below the 3-month average for discretionary categories (FOOD, ENTERTAINMENT, etc.) and equal to the average for non-discretionary (RENT, UTILITIES, TRANSPORTATION). Flag any category where the cap would require more than a 30% cut — those need the user's attention, not an automatic cut.

Relay any warnings from tool calls before the budget.