Analytics: Check payment coverage
check_payment_coverage Will upcoming scheduled payments clear? Per-account coverage projection.
For every bill-paying account: the known scheduled payments in the
window (recurring templates — including a brand-new template's first
occurrence — plus Plaid debt due dates), scheduled deposits
(paychecks), a date-ordered projected-balance timeline, the projected
minimum balance, and a status per account:
- ``ok`` — everything clears with cushion to spare
- ``below_threshold`` — clears, but dips under the account's
low-balance cushion (``cushion_shortfall`` says by how much)
- ``overdraft_risk`` — projected NEGATIVE (``overdraft_shortfall``
is the amount needed to cover)
Answers questions like "will I have enough when X hits?", and shows
whether a new recurring withdrawal or scheduled payment would clear.
Shortfall entries carry the amount and the date of the low point.
Covering a shortfall (e.g. a transfer from savings) happens at the
user's bank; Zoninga moves no money.
``unattributed_bills`` are Plaid debt-account due dates that can't be
tied to a specific funding account; they are measured against
``checking_total_balance`` rather than any single account.
Args:
days: look-ahead window in days (default 14, max 90)
Returns:
Per-account coverage entries + overall_status + a summary line.
Tool call template
This tool declares no required parameters. Add optional parameters from the input schema as needed.
{
"id": 1,
"jsonrpc": "2.0",
"method": "tools/call",
"params": {
"arguments": {},
"name": "check_payment_coverage"
}
}Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| days | No |