banktamer 0.1.1

A CLI tool to categorize and analyze bank transaction exports (XLS/XLSX).

BankTamer

banktamer is a Python 3.13+ CLI utility designed to process bank transaction files (XLS/XLSX), categorize operations using regex-based pattern matching, and generate detailed financial reports.

Features

• Standardized Ingestion: Support for multiple bank formats via JSON schemas.
• Regex Categorization: Fully customizable category rules using YAML.
• Monthly Analytics: Automatic grouping by month with totals for income, expenses, and net balance.
• Visual Insights: Automatic generation of colorful terminal bar charts, financial distribution pie charts, and category evolution line charts (tracking Incomes/Expenses over time).
• Modern Reporting: Export options to professional PDF documents for easy sharing and record keeping.
• AI-Powered Insights: (Optional) Integrated financial advisor that analyzes your spending patterns and provides actionable saving suggestions using providers like OpenAI, Anthropic, Gemini, or local models via Ollama.
• Modern Tooling: Managed with uv for high performance and strict type safety.
• CI/CD Ready: GitHub Actions pipeline for automated formatting, linting, and 100% test coverage verification.

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User Guide

Prerequisites

• Python 3.10+
• uv (installed via brew install uv)

Clone the repository and install dependencies locally:

make install

Installation Options

1. Global Installation (via pipx)

To install banktamer as a global command on your system:

# From the local repository
pipx install .

# Or from Git directly
pipx install git+https://github.com/diegojromerolopez/banktamer.git

Configuration

banktamer looks for configuration in the following order:

1. CLI Flags: --config-dir, --schemas, or --rules-dir.
2. Local Folder: ./config/ in your current directory.
3. User Home: ~/.banktamer/config/.
4. Package Defaults: Bundled internal configuration (fallback).

To set up your global configuration (optional), copy the bundled config to your home directory:

mkdir -p ~/.banktamer
cp -r banktamer/config ~/.banktamer/

Usage

Once installed, use the banktamer command:

# General usage
banktamer --bank <bank-name> --category <category-name> --files <path-to-excel> [path-to-other-excel ...]

# Example: Santander with common rules
banktamer --bank santander --category common --files downloads/extract_2024.xlsx

# Example: Multiple files from the same bank
banktamer --bank santander --category common --files extract_jan.xlsx extract_feb.xlsx extract_mar.xlsx

# Example: Using custom config directory
banktamer --bank santander --config-dir /path/to/my/config --files data.xlsx

# Example: Generating a professional PDF report
banktamer --bank santander --category common --files data.xlsx --report pdf --output report_2024.pdf

# Example: AI Analysis with local Ollama
banktamer --bank santander --category common --files data.xlsx --ai ollama

AI Financial Analysis

BankTamer includes an optional AI-powered financial advisor that can analyze your categorized data and provide:

• Detailed spending pattern summaries.
• Actionable money-saving suggestions.
• Identification of unusual category spikes or trends.

Supported Providers

Provider	Requirement	Flag
Ollama	Running local instance	--ai ollama
OpenAI	API Key (OPENAI_API_KEY)	--ai openai
Anthropic	API Key (ANTHROPIC_API_KEY)	--ai anthropic
Gemini	API Key (GOOGLE_API_KEY)	--ai gemini
Hugging Face	API Key (HUGGINGFACE_API_KEY)	--ai huggingface

Local AI (Ollama) Smart Selection

If you use --ai ollama without specifying a model, BankTamer performs intelligent auto-discovery:

1. Llama 3 First: It prioritizes llama3 if it's installed on your system.
2. Resource Efficient: If llama3 is missing, it automatically picks the smallest available general-purpose model to save memory.
3. Privacy & Quality: It automatically skips remote "cloud" links and "coder" specialized models (like deepseek-coder) to ensure you get high-quality financial advice strictly on your local machine.

To override the selection, use --ai-model <model_name>.

Customizing AI Prompts (ai_settings.yaml)

You can customize the AI's persona and instructions by creating an ai_settings.yaml file in your configuration directory (e.g., ~/.banktamer/config/ai_settings.yaml).

prompt_templates:
  financial_analysis: |
    You are a strictly frugal financial advisor. 
    Analyze the following data and be very critical of any non-essential spending.
    {summary}

The {summary} placeholder is optional; if present, it will be replaced by the monthly financial data. If absent, the data will be appended to your custom prompt.

Running directly with uv

If you prefer not to use make, you can run the tool directly using uv run:

uv run python -m banktamer.cli --bank santander --category common --files path/to/file.xlsx

Configuration Details

Bank Schemas (config/schemas.json)

Defines column mappings and date formats.

• date_col: Name of the date column.
• concept_col: Name of the transaction description column.
• amount_col: Single column for amount (positive/negative).
• income_col / expense_col: Separate columns for income and expenses.
• skiprows: Number of header rows to ignore in the Excel file.

Categorization rules (config/categories/<category>.yaml)

Add regex patterns to classify transactions. Categories are independent of the bank schema. Patterns are matched case-insensitively by default.

Default Rules (config/categories/.default.yaml)

If present, rules in .default.yaml are always applied. If a specific --category is provided, its rules are merged with the default ones.

Developer Guide

Project Structure

banktamer/
├── banktamer/           # Core source code
│   ├── analytics.py     # Aggregation logic
│   ├── categorizer.py   # Regex engine
│   ├── cli.py           # Entry point & CLI logic
│   ├── config/          # Bundled JSON schemas & YAML rules (DEFAULTS)
│   ├── io.py            # Excel ingestion
│   ├── report/          # Reporting engine
├── tests/
│   ├── unit/            # Unit tests (100% coverage mandatory)
│   └── integration/     # Integration tests (verifying banks & happy paths)
├── GEMINI.md            # Critical AI/Developer coding rules
├── Makefile             # Development automation
└── pyproject.toml       # Dependencies & Config

Development Workflow

Use the provided Makefile for standard tasks:

• Format code: make format
• Lint code: make lint (Ruff & Mypy)
• Run all tests: make test-all
• Tag and push release: make tag (triggers GitHub Release and PyPI publication)

Testing Strategy

banktamer follows a strict testing hierarchy to ensure reliability:

1. Unit Tests (tests/unit): Fast tests focusing on individual functions and classes. 100% code coverage is mandatory.
2. Integration Tests (tests/integration):
   • Schema Verification: Every bank defined in config/schemas.json is automatically verified against generated Excel files to ensure parsing logic is correct.
   • Happy Paths: End-to-end functional flows for different bank formats (unified vs. split amounts).

Run specific test suites:

make test             # Unit tests only
make test-integration # Integration tests only
make test-all         # All of the above

Adding a New Bank

1. Add the column mapping to config/schemas.json.
2. Assign an existing category file or create a new one in config/categories/<category>.yaml.
3. Run integration tests: make test-integration. The schema verification test will automatically pick up your new bank and verify it parses correctly.

Coding Standards

• Rules: See GEMINI.md for strict requirements (100% coverage, no relative imports, etc.).
• Line Length: 120 characters.
• Type Hints: Mandatory for all functions (verified via mypy). No Any allowed.
• Python Version: Strictly 3.10+ using native generics (e.g., list[str]).