Year End Summary Agent Skill

by openaccountant

> Generate an annual financial review with totals, trends, and highlights.

1k 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 year-end-summary

The instruction itself

7 sections, as written by the author

Year-End Summary

Overview

Comprehensive annual financial review covering full-year income and expenses, monthly trends, category breakdowns, year-over-year comparisons, and financial highlights. Useful for tax preparation, goal setting, and understanding your overall financial picture.

Wilson Tools Used

spending_summary — monthly and category-level aggregates for the full year
transaction_search — find notable transactions, income sources, largest expenses
anomaly_detect — identify year-level anomalies and trend shifts
export_transactions — export the full report as Markdown or CSV

Workflow

Determine the target year (default: previous calendar year).
Use spending_summary for each month of the year to build a monthly trend table.
Use spending_summary for the full year grouped by category.
If prior year data exists, pull the same data for year-over-year comparison.
Use transaction_search to identify:
Top 10 largest expenses
All income sources and totals
Most frequent vendors
First and last transactions of the year
Use anomaly_detect across the full year to find:
Months with unusually high or low spending
Categories with significant year-over-year changes
Compile the report with sections below.
Export as Markdown file.

Report Sections

# Year-End Summary — [Year]

## Annual Overview
| Metric | [Year] | [Prior Year] | Change |
|--------|--------|--------------|--------|
| Total Income | $XX,XXX | $XX,XXX | +/-XX% |
| Total Expenses | $XX,XXX | $XX,XXX | +/-XX% |
| Net Savings | $XX,XXX | $XX,XXX | +/-XX% |
| Savings Rate | XX% | XX% | +/-X pts |

## Monthly Trend
| Month | Income | Expenses | Net |
|-------|--------|----------|-----|
| Jan | ... | ... | ... |
| ... | ... | ... | ... |

## Spending by Category (Full Year)
| Category | Amount | % of Total | vs. Prior Year |
|----------|--------|------------|----------------|
| ... | ... | ... | ... |

## Top 10 Expenses
1. ...

## Income Sources
| Source | Total | Frequency |
|--------|-------|-----------|
| ... | ... | ... |

## Year Highlights
- Highest spending month: [Month] ($X,XXX)
- Lowest spending month: [Month] ($X,XXX)
- Biggest single expense: [Description] ($X,XXX)
- Most frequent vendor: [Vendor] (XX transactions)

Without Wilson

To build a year-end summary in a spreadsheet:

Gather data: Export 12 months of transactions from your bank(s) as CSV. Combine into one sheet.
Monthly trend pivot table:
Rows: Month (use =TEXT(A2,"YYYY-MM") to extract)
Columns: Income vs. Expense (use =IF(C2>0,"Income","Expense"))
Values: SUM of Amount
Category pivot table:
Rows: Category
Values: SUM of Amount, COUNT of transactions
Year-over-year:
Keep prior year data in a separate tab
Use =VLOOKUP to pull prior year category totals next to current year
Calculate change: =(Current - Prior) / ABS(Prior) * 100
Key formulas:

   Annual Income:      =SUMPRODUCT((YEAR(A:A)=2025)*(C:C>0)*C:C)
   Annual Expenses:    =ABS(SUMPRODUCT((YEAR(A:A)=2025)*(C:C<0)*C:C))
   Savings Rate:       =(Income-Expenses)/Income*100
   Highest Month:      Use MAX on monthly totals pivot
   Most Frequent:      =INDEX(B:B,MATCH(MAX(COUNTIF(B:B,B:B)),COUNTIF(B:B,B:B),0))

Export: Copy the summary tables into a Google Doc or Word document for your records.

Important Notes

Year-over-year comparison requires at least partial data from the prior year. If unavailable, that column is omitted.
Savings rate uses gross income (before taxes) unless you've categorized tax payments separately.
The report includes all transaction types. Transfers between your own accounts are excluded from income/expense totals if properly categorized.
This report pairs well with the tax-deduction-tracker skill for tax season preparation.

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How to use it

Copy the folder

Take openaccountant/year-end-summary 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.