Can a prompt replace Copilot Money?

Build a personal finance dashboard driven by CSV imports, not bank APIs: watch a folder for new bank CSV exports, parse each one using a per-bank column mapping you maintain, and dedupe transactions on a hash of date, amount, and description. Categorize with an ordered list of rules you maintain, applied first; anything unmatched lands in a review queue where a single click assigns a category and offers to save it as a new rule. Add an optional LLM fallback for the review queue, using a key from the environment — skip it entirely, cleanly, when no key is set. Build a dashboard: current-month spend by category against budgets, a trend line over the past year, and top merchants. Add recurring-charge detection: flag any merchant billed at roughly monthly intervals as a subscription and list it with its annualized cost — this view alone is often worth the build. Track account balances as monthly snapshots and plot net worth over time.

Do not build automatic bank syncing — that needs a paid data-aggregation service and handling real bank credentials, which is genuine infrastructure and a real trust liability, not a personal weekend project. CSV import, done regularly, is the honest trade for not taking that on. If the optional LLM fallback is used, say plainly in the README that transaction text leaves the machine for that one feature.