personal-finance-analysis

Analyze bank and credit card statement PDFs to categorize spending and generate saving advice.

Updated Jul 3, 2026
One-click install
npx skills add https://github.com/decniner/HermesP1 --skill personal-finance-analysis-decniner
Or copy as Structured Prompt for Agent▼
Please help me install this Agent Skill.
Skill: personal-finance-analysis
Source: https://github.com/decniner/HermesP1/tree/main/.hermes-backup/skills/.archive/personal-finance-analysis
Command: npx skills add https://github.com/decniner/HermesP1 --skill personal-finance-analysis-decniner

SYSTEM DOCUMENTATION & REQUIREMENTS

💡 This Skill requires pymupdf, and includes references (resource) components.

What problem does it solve? Manually reviewing bank and credit card statements to understand spending habits is tedious, especially with Japanese statements that use era-based dates and katakana merchant names. This Skill automates the extraction, categorization, and analysis of statement PDFs into actionable budget insights. ## Core Features & Use Cases - PDF Statement Parsing: Extract transactions from credit card and bank statement PDFs using pymupdf, handling Japanese Reiwa/Heisei date formats and payment types (one-time, installment, revolving). - Merchant Categorization: Classify spending into categories like groceries, dining, transit, and utilities using a built-in Japanese merchant mapping reference. - Saving Recommendations: Identify revolving debt interest costs, habitual small transit top-ups, convenience store spending, and unused subscriptions with specific yen-denominated impact estimates. - Use Case: A user uploads three months of EPOS card statements and receives a category breakdown table, month-over-month trends, and a prioritized list of saving opportunities such as paying off an 18% APR revolving balance. ## Quick Start Analyze the attached credit card statement PDF and show me my spending breakdown by category with saving tips.

Frequently Asked Questions about personal-finance-analysis

High-intent search queries and answers about installing and using this skill.

FAQPage Schema
How do I analyze spending from a credit card statement PDF?▼

Extract the PDF text with pymupdf, parse each transaction line into date, merchant, and amount, then categorize merchants using keyword mapping. Sum amounts per category and compare across months to identify trends and saving opportunities.

How to parse Japanese credit card statements like EPOS or MUFG?▼

Japanese statements use Reiwa/Heisei year dates (e.g. 26 06 04 = 2026-06-04) and katakana merchant names. Match merchants against a category keyword table and handle payment type markers like 1回 (one-time), 分割 (installment), and リボ (revolving).

Does this work with non-Japanese bank statements?▼

Yes, but you must define parsing rules for the statement's own date, description, and amount column layout, and create category rules based on that region's merchant name keywords instead of the built-in Japanese mapping.

Why does merchant name parsing fail on some Japanese PDFs?▼

Japanese PDFs often embed irregular spaces inside merchant names that break strict regex patterns. Use flexible matching that tolerates whitespace variations and OCR character variants such as チヤ-ジ instead of チャージ.

Can it access my bank account directly to fetch statements?▼

No, it never requests bank credentials or accesses financial accounts. You must export the statement as a PDF or CSV yourself and share the file for analysis.