watch-my-money

Analyze transactions, categorize spending, track budgets, flag overspending.

Workflow

1. Get Transactions

Ask user for bank/card CSV export OR pasted text.

Common sources:

• •Download CSV from your bank's online portal
• •Export from budgeting apps
• •Copy/paste transactions from statements

Supported formats:

• •Any CSV with date, description, amount columns
• •Pasted text: "2026-01-03 Starbucks -5.40 CHF"

2. Parse & Normalize

Read input, normalize to standard format:

• •Auto-detect delimiter (comma, semicolon, tab)
• •Parse dates (YYYY-MM-DD, DD/MM/YYYY, MM/DD/YYYY)
• •Normalize amounts (expenses negative, income positive)
• •Extract merchant from description
• •Detect recurring transactions (subscriptions)

3. Categorize Transactions

For each transaction, assign category:

Categories:

• •rent, utilities, subscriptions, groceries, eating_out
• •transport, travel, shopping, health
• •income, transfers, other

Categorization order:

1. •Check saved merchant overrides
2. •Apply deterministic keyword rules (see common-merchants.md)
3. •Pattern matching (subscriptions, utilities)
4. •Heuristic fallback

For ambiguous merchants (batch of 5-10), ask user to confirm. Save overrides for future runs.

4. Check Budgets

Compare spending against user-defined budgets.

Alert thresholds:

• •80% - approaching limit (yellow)
• •100% - at limit (red)
• •120% - over budget (red, urgent)

See budget-templates.md for suggested budgets.

5. Detect Anomalies

Flag unusual spending:

• •Category spike: spend > 1.5x baseline AND delta > 50
• •Subscription growth: subscriptions up > 20%
• •New expensive merchant: first appearance AND spend > 30
• •Potential subscriptions: recurring same-amount charges

Baseline = previous 3 months average (or current month if no history).

6. Generate HTML Report

Create local HTML file with:

• •Month summary (income, expenses, net)
• •Category breakdown with budget status
• •Top merchants
• •Alerts section
• •Recurring transactions detected
• •Privacy toggle (blur amounts/merchants)

Copy template.html and inject data.

7. Save State

Persist to ~/.watch_my_money/:

• •state.json - budgets, merchant overrides, history
• •reports/YYYY-MM.json - machine-readable monthly data
• •reports/YYYY-MM.html - interactive report

CLI Commands

# Analyze CSV
python -m watch_my_money analyze --csv path/to/file.csv --month 2026-01

# Analyze from stdin
cat transactions.txt | python -m watch_my_money analyze --stdin --month 2026-01 --default-currency CHF

# Compare months
python -m watch_my_money compare --months 2026-01 2025-12

# Set budget
python -m watch_my_money set-budget --category groceries --amount 500 --currency CHF

# View budgets
python -m watch_my_money budgets

# Export month data
python -m watch_my_money export --month 2026-01 --out summary.json

# Reset all state
python -m watch_my_money reset-state

Output Structure

Console shows:

• •Month summary with income/expenses/net
• •Category table with spend vs budget
• •Recurring transactions detected
• •Top 5 merchants
• •Alerts as bullet points

Files written:

• •~/.watch_my_money/state.json
• •~/.watch_my_money/reports/2026-01.json
• •~/.watch_my_money/reports/2026-01.html

HTML Report Features

• •Collapsible category sections
• •Budget progress bars
• •Recurring transaction list
• •Month-over-month comparison
• •Privacy toggle (blur sensitive data)
• •Dark mode (respects system preference)
• •Floating action button
• •Screenshot-friendly layout
• •Auto-hide empty sections

Privacy

All data stays local. No network calls. No external APIs. Transaction data is analyzed locally and stored only in ~/.watch_my_money/.