Watch My Money

# 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](references/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](references/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](assets/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

```bash # 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/`.