Spending Assessment
A privacy-first personal finance tool for tracking and categorising household spending. Built as a lightweight, client-side-only web app — no backend, no accounts, no data leaves your device.
Detailed write-up coming soon. In the meantime, here’s a summary of what this project does.
What it does
Import bank statements from Amex (CSV) and Santander (XLS), then categorise transactions using a smart rule-based system that learns from your assignments. Transactions are organised into a three-tier hierarchy — joint/personal, subcategory (groceries, commuting, eating out, etc.), and optional detail tags — giving fine-grained control over spending breakdowns.
Key features
- Automatic categorisation via merchant name matching with fuzzy/substring rules
- Transaction splitting across multiple categories
- Recurring expense tracking (weekly, monthly, yearly)
- Priority classification (essential, lifestyle, luxury)
- Notes and annotations
- Multi-month Trends view with filtering by date, category, source, and priority
- CSV export of fully categorised data
- Optional folder sync for persistent storage across sessions via the File System Access API
Tech stack
React 18 served from CDN in a single HTML file — no build tools, no bundler. Deployed to GitHub Pages via GitHub Actions. Data persists in localStorage with optional JSON file sync for cloud backup.
Philosophy
Complete local data ownership. All processing happens in the browser. Nothing is sent to any server. Designed for people who want detailed spending insights without handing their financial data to a third party.