Monthly Digest Agent Skill

by openaccountant

> Generate a monthly financial summary with metrics, trends, and anomalies.

828 tokens

context cost

SKILL.md, read when the skill is used

files

instructions only

copies elsewhere

how many repositories repackaged it

101

stars on the repo

on the repository, not the skill itself

Install

one command, takes just this skill from the repository

npx skills add https://github.com/openaccountant/skills --skill monthly-digest

The instruction itself

7 sections, as written by the author

Monthly Digest

Overview

Produce a concise monthly financial digest covering income, expenses, savings rate, notable transactions, spending anomalies, and month-over-month trends. Designed to be a quick "state of your finances" snapshot.

Wilson Tools Used

spending_summary — category-level spending totals for the month
transaction_search — find largest transactions and income entries
anomaly_detect — flag unusual spending patterns or amounts

Workflow

Determine the target month (default: previous calendar month).
Use spending_summary to get category totals for the month.
Use spending_summary for the prior month to calculate month-over-month changes.
Use transaction_search to find:
Top 5 largest expenses
All income transactions
Any new vendors (first-time transactions)
Use anomaly_detect to flag:
Unusual amounts (significantly above category average)
New recurring charges
Missing expected recurring charges
Compile the digest using the template below.
Display the digest and optionally export as Markdown.

Digest Template

# Monthly Digest — [Month Year]

## Key Numbers
| Metric | Amount | vs. Last Month |
|--------|--------|----------------|
| Total Income | $X,XXX | +/-XX% |
| Total Expenses | $X,XXX | +/-XX% |
| Net (Income - Expenses) | $X,XXX | — |
| Savings Rate | XX% | +/-X pts |

## Spending by Category
| Category | Amount | % of Total | vs. Last Month |
|----------|--------|------------|----------------|
| ... | ... | ... | ... |

## Top 5 Expenses
1. [Description] — $XXX on [Date]
2. ...

## Anomalies & Alerts
- [flag icon] [Description of anomaly]

## New This Month
- First time seeing: [vendor name]

Without Wilson

To create a monthly digest manually:

Export the month's transactions from your bank as CSV.
Open in Google Sheets and add a Category column if missing.
Key numbers:

   Total Income:   =SUMIFS(Amount, Amount, ">0", Date, ">="&DATE(2025,3,1), Date, "<="&DATE(2025,3,31))
   Total Expenses: =ABS(SUMIFS(Amount, Amount, "<0", Date, ">="&DATE(2025,3,1), Date, "<="&DATE(2025,3,31)))
   Savings Rate:   =(Income - Expenses) / Income * 100

Category breakdown: Create a pivot table grouped by Category, summing Amount.
Top expenses: Sort by Amount ascending, take the first 5 rows.
Month-over-month: Keep last month's totals in a separate tab and calculate =(ThisMonth - LastMonth) / LastMonth * 100 for each category.
Anomaly detection (manual): Calculate the average and standard deviation per category over the last 6 months. Flag any category where this month's spending exceeds the average + 2 standard deviations.

Important Notes

The digest defaults to the previous calendar month. Ask for a specific month if needed.
Savings rate is calculated as (income - expenses) / income. If income is zero, savings rate is shown as N/A.
Anomaly detection uses a rolling 6-month window. New users with less history will see fewer anomaly flags.
The digest does not include transfers between your own accounts (e.g., savings transfers) in the income/expense totals.

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How to use it

Copy the folder

Take openaccountant/monthly-digest from the repository into ~/.claude/skills for personal use, or into .claude/skills inside a project.

Check the name does not clash

The agent identifies a skill by the name field in its header. Two skills with the same name cannot sit side by side — one of them will be ignored.