finance-reconciler

# Finance Reconciler

A privacy-first personal finance skill that imports bank transactions, auto-categorizes them, tracks budgets, answers natural language spending queries, and generates reports. All data stays local in SQLite — nothing is sent to external servers.

## First-Time Setup

On first use, run these two commands before anything else:

```bash
pip3 install pandas ofxparse tabulate python-dateutil
```

```bash
python3 scripts/db.py
```

If either command fails, stop and show the user the error. Do not proceed until setup succeeds.

## First-Time User Onboarding

If the user has no transactions in the database yet (or says something general like "help me track my finances", "get started", or "what can you do"), walk them through this:

1. Explain that this tool tracks spending from bank statement files — all data stays on their machine.
2. Tell them to download a statement from their bank:
   - **Chase**: chase.com → Statements & Documents → Download account activity → CSV
   - **Bank of America**: bankofamerica.com → Statements & Documents → Download Transactions → CSV
   - **Wells Fargo**: wellsfargo.com → Account Activity → Download → Comma Delimited
   - **Any bank**: Look for "Export to Quicken" or "Download OFX/QFX" for OFX format, or any CSV download option
3. Ask them to share the file path or drop the file into the conversation.
4. Suggest they try these after importing:
   - "How much did I spend on groceries last month?"
   - "Set a $400 monthly budget for dining"
   - "Show me my monthly report"

## Handling File Input

When the user wants to import a bank statement:

- **If they provide a file path** (e.g., `~/Downloads/chase_jan.csv`): use that path directly with the import script.
- **If they attach/upload a file**: the file will be available at a local temp path. Use that path with the import script.
- **If they mention a bank but don't provide a file**: tell them exactly how to download it. For example: "To get your Chase statement, log in...