This is a submission for the Hacktoberfest Open-Source AI Challenge: Week 3 .

What I Built

Reviewing a bank statement properly means answering three questions: where did the money go, is anything in here wrong, and how is this month going to end. Doing that by hand in a spreadsheet is slow and boring, which is exactly why it gets postponed.

lazy-ledger answers those three questions. Export the statement, run one command, read one page:

Where it went: spending by category this month next to your 3-month average.

Worth a second look: a charge far above what you usually pay that merchant, a merchant you have never paid before, a subscription billed twice.

Where the month is heading: spend so far and the pace to month end.

It runs entirely on your laptop. Gemma 3 4B does the one part that needs language understanding: turning merchant strings like BOLT.EU/O/2610 or NIKORA 2 SABURTALO into categories.…