Watch My Money

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/.