Starter
上传一张账单，拿到分类、趋势，和一句关于你忘了的那个订阅的、让你不太舒服的话。
解析文件，给交易归类，检测周期性扣费，让用户就自己的数字问跟进问题。
零件
- CSV 上传和解析
- 分类规则加模型兜底
- 周期性扣费检测
- 在解析好的数据上聊天
怎么赚钱
一个干净的免费增值产品：一张账单免费，历史记录、多账户和导出收费。
搭建耗时
一个晚上
Build a personal spending agent. Input: a CSV bank statement uploaded by the user. Processing: normalise dates and amounts, categorise every transaction using rules first and the model only for the leftovers, and detect recurring charges by matching merchant and cadence. Output: a summary with total by category, month over month change, the three largest changes explained in one sentence each, and a list of subscriptions with their yearly cost. UI: upload area, a category chart, a transactions table with inline category editing that retrains the rules, and a chat box for follow up questions about the uploaded data only. Keep all data private to the signed in user with row level security.
#finance#csv#consumer