watch-my-moneyAnalyze bank transactions, categorize spending, track monthly budgets, detect overspending and anomalies. Outputs interactive HTML report.
Install via ClawdBot CLI:
clawdbot install andreolf/watch-my-moneyAnalyze transactions, categorize spending, track budgets, flag overspending.
Ask user for bank/card CSV export OR pasted text.
Common sources:
Supported formats:
Read input, normalize to standard format:
For each transaction, assign category:
Categories:
Categorization order:
For ambiguous merchants (batch of 5-10), ask user to confirm.
Save overrides for future runs.
Compare spending against user-defined budgets.
Alert thresholds:
See budget-templates.md for suggested budgets.
Flag unusual spending:
Baseline = previous 3 months average (or current month if no history).
Create local HTML file with:
Copy template.html and inject data.
Persist to ~/.watch_my_money/:
state.json - budgets, merchant overrides, historyreports/YYYY-MM.json - machine-readable monthly datareports/YYYY-MM.html - interactive report# 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-stateConsole shows:
Files written:
~/.watch_my_money/state.json~/.watch_my_money/reports/2026-01.json~/.watch_my_money/reports/2026-01.htmlAll data stays local. No network calls. No external APIs.
Transaction data is analyzed locally and stored only in ~/.watch_my_money/.
Generated Mar 1, 2026
Freelancers can use this skill to analyze irregular income and expenses from bank CSV exports, categorize spending, and detect overspending in categories like subscriptions or travel. It helps them track monthly budgets against variable earnings and generate local HTML reports for financial review without sharing sensitive data externally.
Small business owners can import transaction data from business accounts to categorize expenses, set budgets for categories like utilities or supplies, and flag anomalies such as unusual spending spikes. The local-only privacy ensures sensitive financial data remains secure while providing interactive reports for expense analysis and planning.
Financial coaches can guide clients to use this skill with their bank CSV exports to visualize spending habits, track budgets, and identify areas for improvement like overspending on dining out. The interactive HTML reports facilitate discussions during coaching sessions, with privacy features allowing clients to keep data local and confidential.
Students can analyze transactions from part-time jobs or allowances, categorize spending on categories like groceries and transport, and set budgets to avoid overspending. The skill's anomaly detection helps flag unusual expenses, and the console summary provides a quick overview for managing limited funds without requiring internet access.
Families can consolidate multiple bank account CSV exports to track overall household spending, set shared budgets for categories like rent and health, and generate reports to review financial health together. The privacy toggle in HTML reports allows sensitive amounts to be blurred when sharing screens, enhancing security during family discussions.
Offer a free basic version for personal use with core analysis features, and charge a subscription for advanced capabilities like multi-account aggregation, custom report templates, or priority support. Revenue can be generated through monthly or annual plans targeting small businesses or power users seeking enhanced budgeting tools.
License the skill's technology to banks or fintech companies as a white-label solution for their customers, integrating it into their online portals for transaction analysis and budgeting. Revenue comes from licensing fees based on user volume or enterprise agreements, leveraging the local-only privacy as a selling point for data security.
Provide consulting services to customize the skill for specific industries or organizations, such as adding specialized categorization rules or integrating with proprietary systems. Revenue is generated through project-based fees or ongoing support contracts, targeting businesses that need tailored financial analysis tools beyond the standard offering.
š¬ Integration Tip
Integrate this skill by ensuring users have access to CSV exports from their banks and provide clear instructions for CLI commands to streamline the analysis workflow.
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