Agent skill · data analytics · sundial-org
watch-my-money
Analyze bank transactions, categorize spending, track monthly budgets, detect overspending and anomalies. Outputs interactive HTML report.
Why this skill is useful
Adds executable CLI commands for analyzing bank transactions and generating detailed reports that aren't commonly available in public tools.
What it needs
Requires python installed locally. About 2k tokens when loaded. Last updated 2026-03-07. 639 stars on the source repository.
What this skill does
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, eatingout 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. …
How to use it
Reference it in AdaL, Claude Code, Cursor or any coding agent — nothing to install:
@skills sundial-org/watch-my-money