fintrack-cli 0.2.6

Personal Finance Tracker CLI - budget planning and expense analysis

FinTrack

Personal Finance Tracker CLI - Budget planning and expense analysis tool.

Features

• Budget Planning: Define income, deductions, fixed expenses, and savings goals
• Transaction Import: Import transactions from CSV files with idempotent processing
• Expense Analysis: Compare actual spending against budget with variance analysis
• Historical Comparison: Track spending patterns with moving averages
• HTML Reports: Generate beautiful reports with progress visualization
• Flexible Periods: Support for day, week, month, quarter, year, or custom intervals

Key Concepts

FinTrack separates your finances into clear categories:

Gross Income
  - Deductions (taxes, social security)
= Net Income
  - Fixed Expenses (rent, utilities, subscriptions)
  - Savings Target
= Disposable Income (money you can actually spend)

Transaction Flags - each transaction can have flags:

• is_deduction: Pre-income deductions (taxes, social security) - subtracted from gross income
• is_fixed: Fixed/recurring expenses (rent, subscriptions) - subtracted from net income
• is_savings: Money transferred to savings - tracked separately

Installation

pip install fintrack-cli

Alternative: From GitHub (latest development version)

pip install git+https://github.com/alexeiveselov92/fintrack.git

Alternative: Local Development

git clone https://github.com/alexeiveselov92/fintrack.git
cd fintrack
pip install -e .

Verify Installation

fintrack --help

Quick Start

Step 1: Create a Workspace

fintrack init my_finances
cd my_finances

This creates:

my_finances/
├── workspace.yaml        # Workspace configuration
├── plans/                # Budget plan files (empty)
├── transactions/         # CSV transaction files (empty)
├── reports/              # Generated HTML reports (empty)
└── .cache/               # SQLite database (created on import)

Step 2: Create Your Budget Plan

Create a file plans/2024-12.yaml:

# Unique identifier for this budget plan
id: "december_2024"

# When this plan becomes active
valid_from: "2024-12-01"

# All amounts are in workspace base_currency (set in workspace.yaml)
gross_income: 5000.00

# Pre-tax deductions (subtracted from gross to get net income)
deductions:
  - name: "income_tax"
    amount: 1000.00
  - name: "social_security"
    amount: 200.00

# Fixed monthly expenses (rent, subscriptions, etc.)
fixed_expenses:
  - name: "rent"
    amount: 800.00
    category: "housing"
  - name: "utilities"
    amount: 150.00
    category: "utilities"

# Savings: specify rate OR fixed amount
savings_rate: 0.20  # 20% of savings_base
savings_base: "net_income"  # or "disposable_income"
# savings_amount: 500.00  # Or fixed amount (takes priority over rate)

# Budget limits per category (for flexible spending)
category_budgets:
  - category: "food"
    amount: 400.00
  - category: "transport"
    amount: 150.00
  - category: "entertainment"
    amount: 100.00
  - category: "health"
    amount: 50.00

Step 3: Validate Your Configuration

fintrack validate

Expected output:

Validation Results
==================

Workspace: OK
  Path: /path/to/my_finances

Budget Plans:
  plans/2024-12.yaml: OK
    ID: december_2024
    Valid from: 2024-12-01
    Gross: 5000.00 EUR
    Net: 3800.00 EUR
    Disposable: 2040.00 EUR

Step 4: Import Your Transactions

Create a CSV file transactions/december.csv:

date,amount,category,description,is_savings,is_deduction,is_fixed
2024-12-01,5000.00,salary,December salary,false,false,false
2024-12-01,-1000.00,tax,Income tax,false,true,false
2024-12-01,-200.00,social,Social security,false,true,false
2024-12-01,-800.00,housing,Monthly rent,false,false,true
2024-12-02,-150.00,utilities,Electricity + water,false,false,true
2024-12-03,-45.50,food,Weekly groceries,false,false,false
2024-12-05,-12.00,transport,Bus ticket,false,false,false
2024-12-07,-85.00,food,Restaurant dinner,false,false,false
2024-12-10,-500.00,savings,Monthly savings transfer,true,false,false
2024-12-15,-30.00,entertainment,Netflix + Spotify,false,false,true
2024-12-18,-50.00,food,Groceries,false,false,false
2024-12-20,-25.00,health,Pharmacy,false,false,false

Note: All amounts are in workspace base_currency (set in workspace.yaml).

Import the transactions:

fintrack import

Output:

Import Results
==============

File: transactions/december.csv
  Transactions: 12
  New: 12
  Duplicates: 0

Total imported: 12

Note: Import is idempotent - running it again won't create duplicates.

Step 5: View Your Budget

fintrack budget

Shows your budget plan projection:

Budget Plan: december_2024
==========================
Period: December 2024

Income Flow
-----------
Gross Income:        5,000.00 EUR
- Deductions:       -1,200.00 EUR
  = Net Income:      3,800.00 EUR
- Fixed Expenses:     -950.00 EUR
- Savings Target:     -760.00 EUR
  = Disposable:      2,090.00 EUR

Category Budgets
----------------
housing:        800.00 EUR (fixed)
utilities:      200.00 EUR (fixed)
food:           400.00 EUR
transport:      150.00 EUR
entertainment:  100.00 EUR
health:          50.00 EUR

Step 6: Check Current Status

fintrack status

Shows actual spending vs budget:

Status: December 2024
=====================

Budget Progress
---------------
Disposable Budget:  2,090.00 EUR
Variable Spent:       247.50 EUR
Remaining:          1,842.50 EUR (88.2%)

Category Status
---------------
food:           180.50 / 400.00 EUR (45.1%) - On track
transport:       12.00 / 150.00 EUR (8.0%)  - On track
entertainment:   30.00 / 100.00 EUR (30.0%) - On track
health:          25.00 /  50.00 EUR (50.0%) - On track

Savings Progress
----------------
Target:   760.00 EUR
Actual:   500.00 EUR (65.8%)

Step 7: Full Analysis

fintrack analyze

Shows detailed analysis with historical comparison.

Step 8: Generate HTML Report

fintrack report

Creates a visual HTML report in reports/ directory.

CSV Format Reference

Note: All amounts are in workspace base_currency (set in workspace.yaml).

Required Columns

Column	Type	Description
date	YYYY-MM-DD	Transaction date
amount	Decimal	Amount in base_currency (positive = income, negative = expense)
category	String	Category name

Optional Columns

Column	Type	Default	Description
description	String	empty	Transaction description
original_amount	Decimal	-	Original amount (if different currency)
original_currency	String	-	Original currency code (if different from base)
is_savings	Boolean	false	Mark as savings transfer
is_deduction	Boolean	false	Mark as pre-tax deduction
is_fixed	Boolean	false	Mark as fixed expense

Boolean Values

These values are treated as true: true, True, TRUE, 1, yes, Yes, YES

Everything else (including empty) is treated as false.

Example: Different Transaction Types

date,amount,category,description,is_savings,is_deduction,is_fixed
# Income (positive amount)
2024-12-01,5000.00,salary,Monthly salary,,,

# Tax deduction (negative, is_deduction=true)
2024-12-01,-1000.00,tax,Income tax,,true,

# Fixed expense (negative, is_fixed=true)
2024-12-01,-800.00,housing,Rent,,,true

# Savings (negative, is_savings=true)
2024-12-15,-500.00,savings,Emergency fund,true,,

# Variable expense (negative, no flags)
2024-12-10,-45.00,food,Groceries,,,

Example: Transaction with Original Currency

If you have a transaction in a different currency, record both the converted amount and the original:

date,amount,category,description,original_amount,original_currency
2024-12-10,-46.00,food,Restaurant abroad,-50.00,USD

This shows the transaction was $50 USD, converted to €46 EUR (workspace base_currency).

Commands Reference

fintrack init <name>

Create a new workspace.

fintrack init my_finances

fintrack validate

Validate workspace configuration and budget plans.

fintrack validate

fintrack import [path]

Import transactions from CSV file(s).

# Import from default transactions/ directory
fintrack import

# Import single file
fintrack import transactions/december.csv

# Import from custom directory
fintrack import custom/path/

# Force re-import (ignore duplicates check)
fintrack import --force

fintrack budget

Show budget projection from plan.

# Current month
fintrack budget

# Specific period
fintrack budget --period 2024-12
fintrack budget --period 2024-Q4
fintrack budget --period 2024

fintrack status

Show current spending status vs budget.

fintrack status
fintrack status --period 2024-12

fintrack analyze

Full analysis with historical comparison.

fintrack analyze
fintrack analyze --period 2024-12
fintrack analyze --history 6  # Compare with last 6 periods

fintrack report

Generate HTML report.

fintrack report
fintrack report --output my_report.html
fintrack report --period 2024-12

fintrack list

List various items.

fintrack list transactions
fintrack list transactions --period 2024-12
fintrack list transactions --category food
fintrack list plans
fintrack list categories
fintrack list imports

fintrack cache clear

Clear all transactions and import history.

fintrack cache clear           # Show what would be deleted
fintrack cache clear --confirm # Actually delete everything

fintrack cache reset <filename>

Reset a specific file to allow re-import.

fintrack cache reset december.csv  # Delete transactions from this file
fintrack import                     # Re-import it

Period Formats

Format	Example	Description
Month	2024-12	December 2024
Quarter	2024-Q4	Q4 2024 (Oct-Dec)
Year	2024	Full year 2024
Day	2024-12-15	Specific day
Week	2024-W50	Week 50 of 2024
Range	2024-12-01:2024-12-31	Custom date range

Currency Handling

FinTrack works with a single base_currency set in workspace.yaml. All amounts (amount in transactions, values in budget plans) are in this currency.

For transactions originally in other currencies:

1. Convert the amount to base_currency yourself
2. Optionally record the original values in original_amount and original_currency columns

Workspace configuration (workspace.yaml):

base_currency: "EUR"  # All calculations use this currency

Transaction example (converted from USD to EUR):

date,amount,category,description,original_amount,original_currency
2024-12-10,-46.00,food,Restaurant abroad,-50.00,USD

Workspace Structure

my_finances/
├── workspace.yaml        # Workspace configuration
├── plans/                # Budget plan files
│   ├── 2024-11.yaml
│   └── 2024-12.yaml
├── rates.yaml            # Exchange rates (optional)
├── transactions/         # CSV transaction files
│   ├── november.csv
│   └── december.csv
├── reports/              # Generated HTML reports
│   └── report_2024-12.html
└── .cache/               # SQLite database
    └── fintrack.db

Tips

1. Start simple: Begin with basic categories, add more as needed
2. One plan per month: Create monthly budget plans to track changes
3. Consistent categories: Use same category names in plans and transactions
4. Regular imports: Import transactions weekly to stay on track
5. Review reports: Generate HTML reports for visual analysis

Troubleshooting

"No budget plan found for period"

Create a budget plan with valid_from date before your transaction dates.

"Validation failed"

Run fintrack validate to see detailed error messages for your config files.

"Import shows 0 new transactions"

The file was already imported. Use --force to re-import.

CSV encoding issues

Ensure your CSV file is UTF-8 encoded.

Development

# Clone repository
git clone https://github.com/alexeiveselov92/fintrack.git
cd fintrack

# Create virtual environment
python -m venv .venv
source .venv/bin/activate  # or .venv\Scripts\activate on Windows

# Install in development mode
pip install -e ".[dev]"

# Run tests
pytest

# Run linting
ruff check fintrack
mypy fintrack

License

MIT License - see LICENSE file.

Author

Alexei Veselov (@alexeiveselov92)