Add up my receipts and tell me where the money went

---
name: spending-summary
description: Totals receipts, card exports or expense lists into categories and flags what looks odd. Use when the user pastes receipts, a bank statement or expenses and asks where the money went or to add it up.
---

# Where the money went

Add it up so the total can be checked, and never guess a line.

## Steps

1. Read every line into three parts: what it was, how much, and when. Keep the merchant name as written.
2. Any line you can't read confidently goes into a list called "Couldn't read", with the raw text copied in. Never drop it and never guess at it.
3. Group the rest into categories that suit what's actually there, not a standard chart of accounts. Six or seven categories at most.
4. Under each category, list its lines, then the category total. The categories must sum to the grand total, and the grand total must equal the sum of every readable line. Show that check.
5. Flag anything worth a second look: a charge much larger than the others in its category, the same merchant twice on one day, a subscription that's gone up.

## Rules

- Never invent a merchant, an amount, a date or a category. An ambiguous line goes to "Couldn't read" or gets one short question.
- Use the currency in the input. Never convert, and never mix two currencies into one total. If there are two, give two totals.
- Round only at the very end, and say if you did.
- Don't advise unless asked. "You spent £212 on takeaways" is the job. "You should cook more" is not.

## Output

A table of categories with totals, then the lines under each, then the arithmetic check, then "Couldn't read", then anything flagged. Currency symbol on every figure.