monthly-digest

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🇺🇸

Original

English

🇨🇳

Translation

Chinese

Monthly Digest

月度财务摘要

Overview

概述

Produce a concise monthly financial digest covering income, expenses, savings rate, notable transactions, spending anomalies, and month-over-month trends. Designed to be a quick "state of your finances" snapshot.

生成一份简洁的月度财务摘要，涵盖收入、支出、储蓄率、重要交易、支出异常以及月度环比趋势。旨在快速呈现你的财务状况概览。

Wilson Tools Used

使用的Wilson工具

```
spending_summary
```
— category-level spending totals for the month
```
transaction_search
```
— find largest transactions and income entries
```
anomaly_detect
```
— flag unusual spending patterns or amounts

```
spending_summary
```
— 当月各分类支出总额
```
transaction_search
```
— 查找金额最大的交易和收入记录
```
anomaly_detect
```
— 标记异常支出模式或金额

Workflow

工作流程

Determine the target month (default: previous calendar month).
Use
```
spending_summary
```
to get category totals for the month.
Use
```
spending_summary
```
for the prior month to calculate month-over-month changes.
Use
```
transaction_search
```
to find:
- Top 5 largest expenses
- All income transactions
- Any new vendors (first-time transactions)
Use
```
anomaly_detect
```
to flag:
- Unusual amounts (significantly above category average)
- New recurring charges
- Missing expected recurring charges
Compile the digest using the template below.
Display the digest and optionally export as Markdown.

确定目标月份（默认：上一个日历月）。
使用
```
spending_summary
```
获取当月各分类总额。
使用上月的
```
spending_summary
```
计算月度环比变化。
使用
```
transaction_search
```
查找：
- 金额最高的5项支出
- 所有收入交易
- 任何新供应商（首次交易的商家）
使用
```
anomaly_detect
```
标记：
- 异常金额（显著高于分类平均值）
- 新的周期性收费
- 缺失的预期周期性收费
使用下方模板整合摘要内容。
展示摘要，也可选择导出为Markdown格式。

Digest Template

摘要模板

undefined

undefined

Monthly Digest — [Month Year]

Key Numbers

Metric	Amount	vs. Last Month
Total Income	$X,XXX	+/-XX%
Total Expenses	$X,XXX	+/-XX%
Net (Income - Expenses)	$X,XXX	—
Savings Rate	XX%	+/-X pts

Metric	Amount	vs. Last Month
Total Income	$X,XXX	+/-XX%
Total Expenses	$X,XXX	+/-XX%
Net (Income - Expenses)	$X,XXX	—
Savings Rate	XX%	+/-X pts

Spending by Category

Category	Amount	% of Total	vs. Last Month
...	...	...	...

Category	Amount	% of Total	vs. Last Month
...	...	...	...

Top 5 Expenses

[Description] — $XXX on [Date]
...

[Description] — $XXX on [Date]
...

Anomalies & Alerts

[flag icon] [Description of anomaly]

[flag icon] [Description of anomaly]

New This Month

First time seeing: [vendor name]

undefined

First time seeing: [vendor name]

undefined

Without Wilson

无Wilson工具时的手动操作

To create a monthly digest manually:

Export the month's transactions from your bank as CSV.
Open in Google Sheets and add a Category column if missing.

Key numbers:

Total Income:   =SUMIFS(Amount, Amount, ">0", Date, ">="&DATE(2025,3,1), Date, "<="&DATE(2025,3,31))
Total Expenses: =ABS(SUMIFS(Amount, Amount, "<0", Date, ">="&DATE(2025,3,1), Date, "<="&DATE(2025,3,31)))
Savings Rate:   =(Income - Expenses) / Income * 100

Category breakdown: Create a pivot table grouped by Category, summing Amount.
Top expenses: Sort by Amount ascending, take the first 5 rows.
Month-over-month: Keep last month's totals in a separate tab and calculate
```
=(ThisMonth - LastMonth) / LastMonth * 100
```
for each category.
Anomaly detection (manual): Calculate the average and standard deviation per category over the last 6 months. Flag any category where this month's spending exceeds the average + 2 standard deviations.

手动创建月度摘要的步骤：

导出当月交易记录：从银行将当月交易导出为CSV格式。
在Google Sheets中打开：若缺少分类列则添加该列。

关键数据计算：

Total Income:   =SUMIFS(Amount, Amount, ">0", Date, ">="&DATE(2025,3,1), Date, "<="&DATE(2025,3,31))
Total Expenses: =ABS(SUMIFS(Amount, Amount, "<0", Date, ">="&DATE(2025,3,1), Date, "<="&DATE(2025,3,31)))
Savings Rate:   =(Income - Expenses) / Income * 100

分类明细：创建数据透视表，按分类分组并汇总金额。
Top 5支出：按金额升序排序，取前5行。
环比分析：将上月数据单独放在一个标签页，计算每个分类的
```
=(ThisMonth - LastMonth) / LastMonth * 100
```
。
手动异常检测：计算过去6个月每个分类的平均值和标准差。若本月该分类支出超过平均值加2倍标准差，则标记为异常。

Important Notes

重要说明

The digest defaults to the previous calendar month. Ask for a specific month if needed.
Savings rate is calculated as
```
(income - expenses) / income
```
. If income is zero, savings rate is shown as N/A.
Anomaly detection uses a rolling 6-month window. New users with less history will see fewer anomaly flags.
The digest does not include transfers between your own accounts (e.g., savings transfers) in the income/expense totals.

摘要默认以上一个日历月为统计周期，如需特定月份可另行说明。
储蓄率计算公式为
```
(收入 - 支出) / 收入
```
，若收入为零则显示为N/A。
异常检测采用滚动6个月的数据窗口，历史数据较少的新用户会看到较少的异常标记。
摘要的收入/支出总额不包含你自己账户之间的转账（例如：储蓄账户转账）。