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:

Check saved merchant overrides
Apply deterministic keyword rules (see common-merchants.md)
Pattern matching (subscriptions, utilities)
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/

Watch My Money

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watch-my-money

Workflow

1. Get Transactions

2. Parse & Normalize

3. Categorize Transactions

4. Check Budgets

5. Detect Anomalies

6. Generate HTML Report

7. Save State

CLI Commands

Analyze from stdin

Compare months

Set budget

View budgets

Export month data

Reset all state

Output Structure

HTML Report Features

Privacy

Quick Start

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