# Financial Analysis Skill > **Purpose**: Analyze user spending patterns, compare against budgets, detect trends, and identify anomalies in recurring payments. ## Skill Metadata ```yaml name: financial-analysis version: 1.0.0 author: Money Flow Team description: Comprehensive financial analysis for recurring payments tags: [finance, analysis, budget, trends, anomalies] requires: - payment_data - date_range (optional) - budget_limits (optional) ``` ## Capabilities ### 1. Spending Analysis Analyze spending patterns across different dimensions: - **By Payment Type**: Subscriptions, housing, utilities, insurance, debts, savings, transfers - **By Frequency**: Monthly, yearly, weekly, quarterly - **By Category**: Entertainment, productivity, health, finance, etc. - **By Time Period**: Month-over-month, year-over-year ### 2. Budget Comparison Compare actual spending against user-defined budgets: - Calculate budget utilization percentage - Identify over-budget categories - Project end-of-period spending - Suggest budget adjustments ### 3. Trend Detection Identify spending trends over time: - Increasing/decreasing spending patterns - Seasonal variations - New subscriptions impact - Cancelled subscriptions savings - Price increases detection ### 4. Anomaly Detection Flag unusual spending patterns: - Unexpected charges - Duplicate subscriptions - Unusual price changes - Missed payments - Abnormal frequency changes ## Analysis Patterns ### Pattern: Monthly Spending Summary ```xml monthly_summary {month}/{year} payment_type

{amount} {currency} {percentage}%

{amount} {number_of_payments} {percentage}% {observation} {observation} ``` ### Pattern: Budget Health Check ```xml {amount} {amount} {percentage}% {under_budget|on_track|over_budget} {amount} {action} ``` ### Pattern: Trend Analysis ```xml {increasing|stable|decreasing} {percentage}% per month {what changed} {+/- amount} {projected_amount} {high|medium|low} ``` ### Pattern: Anomaly Alert ```xml {duplicate|price_change|unexpected|missing} {what was detected} {name} {expected_value} {actual_value} {recommendation} ``` ## Response Templates ### Summary Response When summarizing financial data: ``` Here's your spending analysis for {period}: **Total Recurring Payments: {currency}{total}** {change_indicator} {percentage}% from last {period_type} **Breakdown by Category:** - Subscriptions: {currency}{amount} ({percentage}%) - Housing: {currency}{amount} ({percentage}%) - Utilities: {currency}{amount} ({percentage}%) - Insurance: {currency}{amount} ({percentage}%) - Debts: {currency}{amount} ({percentage}%) - Savings: {currency}{amount} ({percentage}%) - Transfers: {currency}{amount} ({percentage}%) **Key Insights:** 1. {insight_1} 2. {insight_2} 3. {insight_3} ``` ### Budget Alert Response When budget thresholds are exceeded: ``` **Budget Alert** Your {category} spending has reached {percentage}% of your {currency}{budget} budget. Current spending: {currency}{actual} Remaining budget: {currency}{remaining} Days left in period: {days} **Recommendation:** {specific_action} ``` ### Trend Response When reporting trends: ``` **Spending Trend Analysis ({period})** Your recurring payments are {trending} at {rate}% per month. **Main Changes:** {bullet_list_of_changes} **Projected Impact:** If this trend continues, your monthly payments will be {currency}{projected} by {future_date}. ``` ## Integration Points ### Input Data Structure ```python class PaymentData: id: str service_name: str amount: Decimal currency: str billing_frequency: str # monthly, yearly, weekly, quarterly payment_type: str # subscription, housing, utility, etc. category: str next_billing_date: date created_at: datetime last_payment_date: datetime | None price_history: list[PriceChange] ``` ### API Endpoints Used - `GET /api/v1/subscriptions` - Fetch all payments - `GET /api/v1/subscriptions/summary` - Get spending summary - `GET /api/v1/subscriptions/upcoming` - Get upcoming payments - `POST /api/v1/agent/execute` - Execute analysis commands ## Example Conversations ### Example 1: Monthly Summary **User**: "How much am I spending on subscriptions this month?" **Assistant**: ``` Here's your subscription spending for December 2025: **Total Subscriptions: £127.94** ↑ 8% from November **Your Active Subscriptions:** - Netflix: £15.99/month - Spotify: £10.99/month - Claude Pro: £18.00/month - Adobe CC: £54.99/month - iCloud: £2.99/month - Others (5): £24.98/month **Insight:** Your Adobe Creative Cloud is your largest subscription at 43% of your subscription budget. Have you used all the apps included? ``` ### Example 2: Budget Check **User**: "Am I on track with my budget?" **Assistant**: ``` **Budget Status for December 2025** | Category | Budget | Spent | Status | |--------------|---------|---------|--------------| | Subscriptions | £150 | £127.94 | ✅ On Track | | Utilities | £200 | £185.50 | ⚠️ Warning | | Housing | £1,200 | £1,200 | ✅ On Track | | Insurance | £100 | £89.00 | ✅ On Track | **Alert:** Your utilities spending is at 93% with 15 days remaining. Consider reviewing your energy usage. ``` ### Example 3: Anomaly Detection **User**: "Are there any unusual charges?" **Assistant**: ``` I found 2 items that need your attention: **⚠️ Price Increase Detected** Netflix increased from £13.99 to £15.99 (+14%) Last changed: December 1, 2025 **⚠️ Potential Duplicate** You have two similar streaming services: - Netflix: £15.99/month - Disney+: £10.99/month If you're not using both regularly, cancelling one would save £131.88/year. ``` ## Configuration Options ```yaml analysis_settings: default_currency: GBP trend_period_months: 6 anomaly_detection: price_change_threshold: 10% # Flag changes above this duplicate_similarity: 0.8 # Similarity score for duplicates budget_alerts: warning_threshold: 80% critical_threshold: 100% forecast: confidence_minimum: 0.7 projection_months: 3 ``` ## Error Handling | Error | Response | |-------|----------| | No payment data | "I don't have any payment data to analyze yet. Add some subscriptions first!" | | Insufficient history | "I need at least 3 months of data to detect reliable trends." | | Budget not set | "You haven't set a budget for {category}. Would you like to set one now?" | | Date range invalid | "Please specify a valid date range (e.g., 'last 3 months' or 'January 2025')." | ## Related Skills - [Payment Reminder Skill](../payment-reminder/SKILL.md) - Uses analysis to prioritize reminders - [Debt Management Skill](../debt-management/SKILL.md) - Integrates debt tracking with analysis - [Savings Goal Skill](../savings-goal/SKILL.md) - Uses trends for savings projections

Financial Analysis Skill

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