year-end-summary - SKILL.md Agent Skill

name: year-end-summary tier: free description: > Generates a comprehensive annual financial summary with category breakdowns, month-over-month trends, top merchants, and highlights. Trigger when user asks for "annual summary", "year in review", or "yearly report".

Monthly breakdown: Use spending_summary to generate month-by-month spending totals for the requested year. If no year specified, use the current year.
Category analysis: Use spending_summary and transaction_search to break down annual spending by category. Identify which categories grew or shrank compared to prior months.
Top merchants: Use transaction_search to find the merchants where the user spent the most. Show top 10 by total spend.
Highlights and anomalies: Use anomaly_detect and transaction_search to identify:
- Biggest single purchases of the year
- New subscriptions added during the year
- Subscriptions cancelled or changed in price
- Any notable spending trends (seasonal patterns, one-time events)
Income summary: Use transaction_search to find all income/credit transactions. Total by source if identifiable.
Generate report: Synthesize everything into a clean annual financial summary with:
- Total income vs total expenses
- Net savings rate
- Monthly spending trend (high/low months)
- Top 5 spending categories with totals
- Top 5 merchants with totals
- Key takeaways and actionable insights
Export: Offer to export the detailed data using export_transactions if the user wants a spreadsheet version.