Year End Summary

Year-End Summary

Workflow

1. Monthly breakdown: Use spending_summary to generate month-by-month spending totals for the requested year. If no year specified, use the current year.
2. Category analysis: Use spending_summary and transaction_search to break down annual spending by category. Identify which categories grew or shrank compared to prior months.
3. Top merchants: Use transaction_search to find the merchants where the user spent the most. Show top 10 by total spend.
4. Highlights and anomalies: Use anomaly_detect and transaction_search to identify:
   • Biggest single purchases of the year
   • New subscriptions added during the year
   • Subscriptions cancelled or changed in price
   • Any notable spending trends (seasonal patterns, one-time events)
5. Income summary: Use transaction_search to find all income/credit transactions. Total by source if identifiable.
6. Generate report: Synthesize everything into a clean annual financial summary with:
   • Total income vs total expenses
   • Net savings rate
   • Monthly spending trend (high/low months)
   • Top 5 spending categories with totals
   • Top 5 merchants with totals
   • Key takeaways and actionable insights
7. Export: Offer to export the detailed data using export_transactions if the user wants a spreadsheet version.