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/.