bany 1.4.6

A collection of scripts for personal finance

BANY

A collection of scripts to...

1. Convert text in a PDF into YNAB transactions
2. Split a series of transactions between people
3. Solve the constrained partitioning problem for investing

Setup

pyenv local 3.11.1
pipx install bany --python $(which python)
bany --help

Commands

bany extract

Create YNAB transactions from a PDF

Examples

• Run the extract command to parse a PDF and upload transactions to YNAB

bany extract pdf --inp /path/to/pdf --config config.yaml
bany extract pdf --inp /path/to/pdf --config config.yaml --upload

config.yaml

• Some examples can be found in the ./cfg directory
• Define rules to match patterns in the text of a PDF
• Define the transactions to create from these matches

# Regular Expressions defined for date like values
dates:
  Force Date:
    value: |-
      2023-01-01

  Check Date:
    regex: |-
      Check\s+Date\s+(?P<DATE>{MONTHS}\s+\d+,?\s+\d\d\d\d)

# Regular Expressions defined for money like values
amounts:
  401K:
    group: EARNINGS
    inflow: true
    regex: |-
      401K\s+
      (?P<HOURS>{NUMBER})\s+
      (?P<MONEY>{AMOUNT})\s+
      (?P<TOTAL>{AMOUNT})

  Salary:
    group: EARNINGS
    inflow: true
    regex: |-
      REGULAR\s+
      (?P<RATES>{NUMBER})\s+
      (?P<HOURS>{NUMBER})\s+
      (?P<MONEY>{AMOUNT})\s+
      (?P<TOTAL>{AMOUNT})

  TOTAL-EARNINGS:
    group: EARNINGS
    inflow: true
    total: true
    regex: |-
      Gross\s+Earnings\s+
      (?P<HOURS>{NUMBER})\s+
      (?P<MONEY>{AMOUNT})\s+
      (?P<TOTAL>{AMOUNT})

# Transactions to push to a YNAB budget (these may reference the matches defined above)
transactions:
- budget: 2023
  account: 'Checking'
  category: 'Internal Master Category: Inflow: Ready to Assign'
  payee: Company
  color: red
  amount: Salary
  date: Check Date

- budget: 2023
  account: 'Company'
  category: 'Investment: Fidelity'
  payee: 'Transfer : Fidelity : Syapse'
  memo: 2023
  color: yellow
  amount: 401K
  date: Check Date

bany split

This is a script to help split transactions between multiple people.

Examples

This script opens an interactive loop.

bany split

Run a series of commands

You can run a series of commands defined in a text file (see example in ./cfg directory.

split -a 12.79 -p Costco -C Food -d Dad=1 Adam=0   Doug=0   -c Adam=1
split -a  7.49 -p Costco -C Food -d Dad=1 Adam=0   Doug=0   -c Adam=1
summarize

bany > @ costco.txt

Show the possible commands

bany > help

Documented commands (use 'help -v' for verbose/'help <topic>' for details):

My Category
===========
clear  delete  show  split  summarize  tax  tip

Uncategorized
=============
help  history  quit  set  shortcuts

Split some transactions between some people

bany > split --amount 10.00 --payee GroceryStore --category Food --debit Alice=2/5 Bob=3/5 --credit Bob=1

   group  amount  rate         payee category       debtors creditors  Alice  Bob  Alice.w  Bob.w Alice.$  Bob.$ Who  Delta
0      0  $10.00     0  GroceryStore     Food  (Alice, Bob)     (Bob)    400  600      0.4    0.6   $4.00  $6.00   -  $0.00

bany > split --amount 15.75 --payee Restaurant --category Dinner --debit Alice=1/2 Bob=1/2 --credit Alice=1

   group  amount  rate         payee category       debtors creditors  Alice  Bob  Alice.w  Bob.w Alice.$  Bob.$    Who   Delta
0      0  $10.00     0  GroceryStore     Food  (Alice, Bob)     (Bob)    400  600      0.4    0.6   $4.00  $6.00      -   $0.00
1      1  $15.75     0    Restaurant   Dinner  (Alice, Bob)   (Alice)    787  787      0.5    0.5   $7.87  $7.88  Alice  -$0.01

Add taxes and tips for the previous transaction

bany > tip --amount 5.00 --category Tips

   group  amount     rate         payee category       debtors creditors  Alice  Bob  Alice.w  Bob.w Alice.$  Bob.$    Who   Delta
0      0  $10.00  0.00000  GroceryStore     Food  (Alice, Bob)     (Bob)    400  600      0.4    0.6   $4.00  $6.00      -   $0.00
1      1  $15.75  0.00000    Restaurant   Dinner  (Alice, Bob)   (Alice)    787  787      0.5    0.5   $7.87  $7.88  Alice  -$0.01
2      1   $5.00  0.31746    Restaurant     Tips  (Alice, Bob)   (Alice)    250  250      0.5    0.5   $2.50  $2.50      -   $0.00

bany > tax --rate 0.07 --payee SalesTax

   group  amount     rate         payee category       debtors creditors  Alice  Bob  Alice.w  Bob.w Alice.$  Bob.$    Who   Delta
0      0  $10.00  0.00000  GroceryStore     Food  (Alice, Bob)     (Bob)    400  600      0.4    0.6   $4.00  $6.00      -   $0.00
1      1  $15.75  0.00000    Restaurant   Dinner  (Alice, Bob)   (Alice)    787  787      0.5    0.5   $7.87  $7.88  Alice  -$0.01
2      1   $5.00  0.31746    Restaurant     Tips  (Alice, Bob)   (Alice)    250  250      0.5    0.5   $2.50  $2.50      -   $0.00
3      1   $1.10  0.07000      SalesTax   Dinner  (Alice, Bob)   (Alice)     55   55      0.5    0.5   $0.55  $0.55      -   $0.00

Display the current transactions

bany > show

   group  amount     rate         payee category       debtors creditors  Alice  Bob  Alice.w  Bob.w Alice.$  Bob.$    Who   Delta
0      0  $10.00  0.00000  GroceryStore     Food  (Alice, Bob)     (Bob)    400  600      0.4    0.6   $4.00  $6.00      -   $0.00
1      1  $15.75  0.00000    Restaurant   Dinner  (Alice, Bob)   (Alice)    787  787      0.5    0.5   $7.87  $7.88  Alice  -$0.01
2      1   $5.00  0.31746    Restaurant     Tips  (Alice, Bob)   (Alice)    250  250      0.5    0.5   $2.50  $2.50      -   $0.00
3      1   $1.10  0.07000      SalesTax   Dinner  (Alice, Bob)   (Alice)     55   55      0.5    0.5   $0.55  $0.55      -   $0.00

Aggregate by categories and people

bany > summarize

   amount category         payee Alice.$  Bob.$
0  $10.00     Food  GroceryStore   $4.00  $6.00
1  $15.75   Dinner    Restaurant   $7.87  $7.88
2   $5.00     Tips    Restaurant   $2.50  $2.50
3   $1.10   Dinner      SalesTax   $0.55  $0.55

bany solve

This is a script to solve a math problem.

• I have a few investment funds and want them each to have a certain percent of my savings.
• I need to know which funds to put the money in to reach my desired allocation.

We have a histogram and want to morph it into a new shape

1. Given a set of labeled buckets with known item counts...
2. Given a new amount of items to place into the buckets...
3. Given a desired distribution of items for the buckets...

How should we place the new items into the buckets?

Examples

# The problem will be solved in an unconstrained way by default
# Values can be added or removed from existing bins
bany solve unconstrained --config allocate.yaml

# The problem can be solved in a constrained way as well
# Values can only be added to bins
bany solve constrained --config allocate.yaml

# A Monte Carlo based solver also exists, which is non-deterministic
# Values can be added in fixed sizes
bany solve montecarlo --config allocate.yaml --stepsize 25

Input Distribution

TOTAL     level=[0] current_value=[ 6,000.00] optimal_ratio=[1.000] amount_to_add=[ 8,000.00]
 ├─VIGAX  level=[1] current_value=[ 1,000.00] optimal_ratio=[0.220] amount_to_add=[     0.00]
 ├─VVIAX  level=[1] current_value=[ 1,000.00] optimal_ratio=[0.280] amount_to_add=[     0.00]
 ├─VMGMX  level=[1] current_value=[ 1,000.00] optimal_ratio=[0.100] amount_to_add=[     0.00]
 ├─VMVAX  level=[1] current_value=[ 1,000.00] optimal_ratio=[0.150] amount_to_add=[     0.00]
 ├─VSGAX  level=[1] current_value=[ 1,000.00] optimal_ratio=[0.100] amount_to_add=[     0.00]
 └─VSIAX  level=[1] current_value=[ 1,000.00] optimal_ratio=[0.150] amount_to_add=[     0.00]

Output Distribution

TOTAL     level=[0] results_value=[14,000.00] results_ratio=[1.000] amount_to_add=[     0.00]
 ├─VIGAX  level=[1] results_value=[ 3,080.00] results_ratio=[0.220] amount_to_add=[ 2,080.00]
 ├─VVIAX  level=[1] results_value=[ 3,920.00] results_ratio=[0.280] amount_to_add=[ 2,920.00]
 ├─VMGMX  level=[1] results_value=[ 1,400.00] results_ratio=[0.100] amount_to_add=[   400.00]
 ├─VMVAX  level=[1] results_value=[ 2,100.00] results_ratio=[0.150] amount_to_add=[ 1,100.00]
 ├─VSGAX  level=[1] results_value=[ 1,400.00] results_ratio=[0.100] amount_to_add=[   400.00]
 └─VSIAX  level=[1] results_value=[ 2,100.00] results_ratio=[0.150] amount_to_add=[ 1,100.00]

config.yaml

The input is a hierarchy of bins with current values and desired ratios.

yaml

The input can be given as a YAML file.

- { label: 'TOTAL', optimal_ratio: 100, current_value: 6000, amount_to_add: 8000, children: [
    'VIGAX', 'VVIAX', 'VMGMX', 'VMVAX', 'VSGAX', 'VSIAX'] }
- { label: 'VIGAX', optimal_ratio:  22, current_value: 1000, amount_to_add:    0, children: [] }
- { label: 'VVIAX', optimal_ratio:  28, current_value: 1000, amount_to_add:    0, children: [] }
- { label: 'VMGMX', optimal_ratio:  10, current_value: 1000, amount_to_add:    0, children: [] }
- { label: 'VMVAX', optimal_ratio:  15, current_value: 1000, amount_to_add:    0, children: [] }
- { label: 'VSGAX', optimal_ratio:  10, current_value: 1000, amount_to_add:    0, children: [] }
- { label: 'VSIAX', optimal_ratio:  15, current_value: 1000, amount_to_add:    0, children: [] }

You can use regular expressions when specifying the children of a category.

- { label: 'TOTAL', optimal_ratio: 100, current_value: 6000, amount_to_add: 8000, children: ['regex::.*'] }
...

csv

The input can be given as a CSV file.

   label  optimal_ratio  current_value  amount_to_add                             children
0  TOTAL          100.0         6000.0         8000.0  VIGAX;VVIAX;VMGMX;VMVAX;VSGAX;VSIAX
1  VIGAX           22.0         1000.0            0.0
2  VVIAX           28.0         1000.0            0.0
3  VMGMX           10.0         1000.0            0.0
4  VMVAX           15.0         1000.0            0.0
5  VSGAX           10.0         1000.0            0.0
6  VSIAX           15.0         1000.0            0.0