Data Schemas

Purpose

Defines the local CSV file structure that stores all SmartSpender data. All read/write operations use the Filesystem tool to access CSV files in the working directory. Files are created automatically on first use if they don't exist — write the header row first, then append data rows.

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1. Transaction Schema

Purpose

Defines the common data format for all transactions in SmartSpender. Every bank adapter normalizes its export into this schema before storing locally.

Schema

Field	Type	Required	Description
tx_id	string	yes	Unique transaction ID (auto-generated UUID)
tx_hash	string	yes	Deduplication hash
date	date	yes	Transaction date (YYYY-MM-DD)
amount	number	yes	Amount with sign (negative = expense, positive = income)
currency	string	yes	ISO currency code (default: DKK)
description	string	yes	Cleaned, human-readable description
raw_text	string	yes	Original text from bank export, unmodified
bank	string	yes	Bank identifier (e.g., enable-banking)
account	string	yes	Account identifier from the bank
synced_at	datetime	yes	When the transaction was imported (YYYY-MM-DD HH:MM:SS)

Hash Computation

The tx_hash prevents duplicate imports across multiple sync runs.

Primary formula (when bank provides running balance)

"{account}|{date}|{amount}|{saldo}"

Where:

• account is the account identifier from the bank export (e.g., the Enable Banking account UID for API sync)
• date is in YYYY-MM-DD format
• amount is formatted to exactly 2 decimal places (e.g., -55.00)
• saldo is the running balance after the transaction, formatted to exactly 2 decimal places (e.g., 927.83)

The running balance is a natural disambiguator — even two identical purchases at the same merchant on the same day produce different balances.

Fallback formula (when bank does not provide running balance)

"{account}|{date}|{amount}|{raw_text_normalized}"

Where:

• raw_text_normalized is the raw_text trimmed of whitespace and lowercased

This fallback is used when:

• Enable Banking API response lacks balance_after_transaction for a specific transaction

Before appending any row to transactions.csv, check whether a row with the same tx_hash already exists. If it does, skip the row.

Transformation Rules

Date Normalization

• Enable Banking API provides YYYY-MM-DD (no conversion needed)
• Always convert to: YYYY-MM-DD
• Reject any date in the future — this likely indicates a parsing error

Amount Normalization

• Danish number format uses period as thousands separator and comma as decimal: 1.234,56
• Convert to standard decimal: 1234.56
• Enable Banking API provides amounts as positive strings with a credit_debit_indicator — negate DBIT amounts
• Expenses are negative, income is positive
• Always store with exactly 2 decimal places
• Currency defaults to DKK unless the transaction specifies otherwise

Description Cleaning

• Trim leading and trailing whitespace
• Collapse multiple consecutive spaces into one
• Preserve bank-specific prefixes that indicate payment method (e.g., Debitcard DK indicates card payment)
• For Enable Banking: use creditor.name (expenses) or debtor.name (income) as the description
• Store the original unmodified text in raw_text
• Store the cleaned version in description

Bank and Account Fields

• bank uses the lowercase bank identifier: enable-banking
• account uses the Enable Banking account UID

Validation Rules

Before storing a transaction, verify all of the following:

• date is a valid date and not in the future
• amount is a non-zero number
• raw_text is not empty
• tx_hash does not already exist in transactions.csv (deduplication)

If validation fails, log the issue but do not halt the entire sync — skip the invalid row and continue.

Transaction Examples

Enable Banking Card Payment (API Sync, with balance)

tx_id: "d4e5f6a7-b8c9-0123-defa-234567890123"
tx_hash: "eb-uid-abc123|2026-01-15|-847.50|12543.25"
date: 2026-01-15
amount: -847.50
currency: DKK
description: FOETEX
raw_text: "Dankort-koeb FOETEX 4123"
bank: enable-banking
account: "eb-uid-abc123"
synced_at: 2026-02-02 14:00:00

Enable Banking Salary (API Sync, with balance)

tx_id: "e5f6a7b8-c9d0-1234-efab-345678901234"
tx_hash: "eb-uid-abc123|2026-01-31|32500.00|45043.25"
date: 2026-01-31
amount: 32500.00
currency: DKK
description: Virksomhed A/S
raw_text: "Loen januar 2026"
bank: enable-banking
account: "eb-uid-abc123"
synced_at: 2026-02-02 14:00:00

Enable Banking Subscription (API Sync, no balance — fallback hash)

tx_id: "f6a7b8c9-d0e1-2345-fabc-456789012345"
tx_hash: "eb-uid-abc123|2026-01-15|-149.00|netflix.com"
date: 2026-01-15
amount: -149.00
currency: DKK
description: Netflix
raw_text: "NETFLIX.COM"
bank: enable-banking
account: "eb-uid-abc123"
synced_at: 2026-02-02 14:00:00

---

2. Receipt Schema

Purpose

Defines the CSV file structure for storing receipt metadata and line-item detail. Two files work together: receipts.csv holds one row per receipt with match status; receipt-items-YYYY-MM.csv files hold one row per line item with product-level categories, partitioned by month based on the receipt date.

receipts.csv (Receipt Metadata)

Stores one row per uploaded receipt with extraction results and transaction match status.

Header row:

receipt_id,transaction_id,date,merchant,total_amount,currency,source,file_reference,match_status,match_confidence,item_count,created_at

Column	Type	Description
receipt_id	string	Unique receipt ID (rcpt- prefix + 8 hex chars, e.g. rcpt-a1b2c3d4)
transaction_id	string	Matched tx_id from transactions.csv (empty if unmatched)
date	date	Receipt date (YYYY-MM-DD)
merchant	string	Normalized merchant name (e.g. Foetex, TDC)
total_amount	number	Receipt total as positive number (e.g. 347.50)
currency	string	ISO currency code (DKK)
source	string	How the receipt was obtained: upload, storebox, coop, eboks, email
file_reference	string	Local archive path (e.g. receipts/rcpt-a1b2c3d4.jpg)
match_status	string	matched, unmatched, ambiguous
match_confidence	number	Confidence of the transaction match (0.0-1.0)
item_count	number	Number of line items extracted
created_at	datetime	When the receipt was processed (YYYY-MM-DD HH:MM:SS)

File operations:

• Append row: after receipt extraction and matching completes
• Read all: for deduplication check before appending
• Read filtered by transaction_id: to find receipts linked to a specific transaction
• Update row: when user corrects a match (update transaction_id, match_status, match_confidence)

receipt-items-YYYY-MM.csv (Line Items, Monthly Files)

Stores individual line items from each receipt with product-level categorization. Items are partitioned into monthly files based on the receipt's date in receipts.csv. For example, a receipt dated 2026-01-28 has its items stored in receipt-items-2026-01.csv.

Header row:

item_id,receipt_id,item_name,quantity,unit_price,total_price,category,subcategory,discount,created_at

Column	Type	Description
item_id	string	Unique item ID (ritm- prefix + 8 hex chars, e.g. ritm-e5f6g7h8)
receipt_id	string	Reference to receipts.csv
item_name	string	Product name as printed on receipt (e.g. Minimælk 1L)
quantity	number	Quantity purchased (default 1)
unit_price	number	Price per unit as positive number
total_price	number	Line total as positive number (quantity x unit_price - discount)
category	string	Danish product category (e.g. Dagligvarer, Bolig, Abonnementer)
subcategory	string	Product-level subcategory (e.g. Mejeriprodukter, Koed, Alkohol)
discount	number	Discount amount as positive number (0 if no discount)
created_at	datetime	When the item was extracted (YYYY-MM-DD HH:MM:SS)

File operations:

• Append rows: determine the receipt date from receipts.csv, then write items to receipt-items-{YYYY-MM}.csv (create the file with header row if it doesn't exist)
• Read filtered by receipt_id: get the receipt date from receipts.csv, open the corresponding monthly file, filter by receipt_id
• Read filtered by date range: get receipt dates from receipts.csv, open only the relevant monthly files, filter by receipt_id

ID Generation

Receipt IDs

• Format: rcpt- + 8 random hex characters
• Example: rcpt-a1b2c3d4, rcpt-f9e8d7c6
• Must be unique across all rows in receipts.csv

Item IDs

• Format: ritm- + 8 random hex characters
• Example: ritm-e5f6g7h8, ritm-1a2b3c4d
• Must be unique across all monthly receipt-items files

Receipt Deduplication

Before appending a new receipt, check for duplicates using three fields:

• date — same date
• merchant — same normalized merchant name
• total_amount — same total (exact match)

If all three match an existing receipt, warn the user: "Denne kvittering ligner en der allerede er registreret ({receipt_id} fra {date}). Vil du tilfoeje den alligevel?"

File Archiving

Receipt images and PDFs are saved to a local receipts/ directory in the working directory. The directory is created automatically on first use.

Naming Convention

• Format: receipts/{receipt_id}.{ext}
• Extension preserved from the original file (jpg, png, pdf, etc.)
• Example: receipts/rcpt-a1b2c3d4.jpg, receipts/rcpt-b2c3d4e5.pdf

Archive Rules

• Save the file immediately after generating the receipt_id, before writing CSV rows
• If the file cannot be saved, log a warning but continue processing (the extracted data is still valuable)
• The file_reference column in receipts.csv stores the relative path (e.g. receipts/rcpt-a1b2c3d4.jpg)

Receipt Examples

Foetex Grocery Receipt

receipts.csv row:

rcpt-a1b2c3d4,tx-uuid-001,2026-01-28,Foetex,347.50,DKK,upload,receipts/rcpt-a1b2c3d4.jpg,matched,0.95,8,2026-02-01 10:30:00

receipt-items-2026-01.csv rows (receipt date is 2026-01-28):

ritm-e5f6g7h8,rcpt-a1b2c3d4,Minimælk 1L,2,12.95,25.90,Dagligvarer,Mejeriprodukter,0,2026-02-01 10:30:00
ritm-f1g2h3i4,rcpt-a1b2c3d4,Hakket oksekød 500g,1,45.00,45.00,Dagligvarer,Kød,0,2026-02-01 10:30:00
ritm-a2b3c4d5,rcpt-a1b2c3d4,Øko bananer,1,22.95,22.95,Dagligvarer,Frugt og grønt,0,2026-02-01 10:30:00
ritm-b3c4d5e6,rcpt-a1b2c3d4,Coca-Cola 1.5L,2,22.00,44.00,Dagligvarer,Drikkevarer,0,2026-02-01 10:30:00
ritm-c4d5e6f7,rcpt-a1b2c3d4,Rødvin Chianti,1,79.95,79.95,Dagligvarer,Alkohol,0,2026-02-01 10:30:00
ritm-d5e6f7g8,rcpt-a1b2c3d4,Tandbørstehoveder,1,89.95,89.95,Sundhed,Personlig pleje,0,2026-02-01 10:30:00
ritm-e6f7g8h9,rcpt-a1b2c3d4,Rugbrød,1,24.95,24.95,Dagligvarer,Brød og bagværk,0,2026-02-01 10:30:00
ritm-f7g8h9i0,rcpt-a1b2c3d4,Pose 2 kr,1,2.00,2.00,Andet,Andet,0,2026-02-01 10:30:00

Note: Items sum to 334.70, but receipt total is 347.50. The difference (12.80) is likely pant (bottle deposit) or rounding — flag for user review if variance > 5%.

TDC Telecom Invoice

receipts.csv row:

rcpt-b2c3d4e5,tx-uuid-042,2026-01-15,TDC,299.00,DKK,upload,receipts/rcpt-b2c3d4e5.pdf,matched,1.00,3,2026-02-01 11:00:00

receipt-items-2026-01.csv rows (receipt date is 2026-01-15):

ritm-g8h9i0j1,rcpt-b2c3d4e5,Mobilabonnement Frihed+,1,199.00,199.00,Abonnementer,Mobilabonnement,0,2026-02-01 11:00:00
ritm-h9i0j1k2,rcpt-b2c3d4e5,Ekstra data 10GB,1,49.00,49.00,Abonnementer,Mobilabonnement,0,2026-02-01 11:00:00
ritm-i0j1k2l3,rcpt-b2c3d4e5,Forsikring Mobil+,1,51.00,51.00,Abonnementer,Forsikring,0,2026-02-01 11:00:00

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3. CSV File Reference

All data is stored as CSV files in the working directory. Use comma as the delimiter. Enclose fields in double quotes if they contain commas.

transactions.csv

Stores raw imported transactions from all bank syncs.

Header row:

tx_id,tx_hash,date,amount,currency,description,raw_text,bank,account,synced_at

Column	Type	Description
tx_id	string	Unique transaction ID (UUID)
tx_hash	string	Deduplication hash ("{account}|{date}|{amount}|{saldo}")
date	date	Transaction date (YYYY-MM-DD)
amount	number	Amount with sign (negative = expense)
currency	string	ISO currency code (DKK)
description	string	Cleaned description
raw_text	string	Original bank text
bank	string	Bank identifier
account	string	Account identifier
synced_at	datetime	Import timestamp

File operations:

• Append rows: after sync completes
• Read all rows: before sync (for deduplication by tx_hash)
• Read filtered: by date range for analysis

categorized.csv

Stores transactions with assigned categories and merchant info.

Header row:

tx_id,date,amount,description,category,subcategory,merchant,is_recurring,confidence,manual_override

Column	Type	Description
tx_id	string	Reference to transactions.csv
date	date	Transaction date (YYYY-MM-DD)
amount	number	Amount
description	string	Description
category	string	Assigned Danish category (e.g., Dagligvarer)
subcategory	string	Optional subcategory (e.g., Supermarked)
merchant	string	Normalized merchant name (e.g., Netto)
is_recurring	boolean	TRUE if detected as recurring
confidence	number	Categorization confidence (0.0-1.0)
manual_override	boolean	TRUE if user corrected this category

File operations:

• Append rows: after analyze command categorizes transactions
• Read all: for spending analysis and reporting
• Update row: when user manually corrects a category (set manual_override to TRUE)

subscriptions.csv

Detected recurring charges and their status.

Header row:

subscription_id,merchant,category,amount,frequency,annual_cost,first_seen,last_seen,status,cancelled_date,notes

Column	Type	Description
subscription_id	string	Unique ID
merchant	string	Service name (e.g., Netflix)
category	string	Subscription category (e.g., Streaming)
amount	number	Recurring charge amount
frequency	string	monthly, yearly, weekly
annual_cost	number	Calculated annual cost
first_seen	date	First transaction date
last_seen	date	Most recent transaction
status	string	active, cancelled, paused
cancelled_date	date	When cancelled (if applicable)
notes	string	Any notes

File operations:

• Append rows: after analyze detects new subscriptions
• Read all: for subscriptions list and overview
• Update row: when subscription is cancelled (set status, cancelled_date)

monthly-summary.csv

Aggregated spending by month and category.

Header row:

month,category,total,transaction_count,avg_transaction,vs_prev_month,vs_prev_month_pct

Column	Type	Description
month	string	YYYY-MM format
category	string	Danish category name
total	number	Total spent in this category
transaction_count	number	Number of transactions
avg_transaction	number	Average transaction size
vs_prev_month	number	Change from previous month (absolute)
vs_prev_month_pct	number	Percentage change from previous month

File operations:

• Write/overwrite rows: after analyze command completes
• Read filtered by month: for overview and report commands

action-log.csv

Audit trail of all agent actions for transparency.

Header row:

timestamp,action_type,target,status,details,savings_amount,notes

Column	Type	Description
timestamp	datetime	When action occurred (YYYY-MM-DD HH:MM:SS)
action_type	string	sync, analyze, cancel, suggest, report
target	string	What the action targeted (e.g., "enable-banking", "netflix")
status	string	suggested, in_progress, completed, failed
details	string	Additional details
savings_amount	number	Estimated or actual savings (kr/year)
notes	string	Any notes

File operations:

• Append row: after every command execution
• Read filtered: for report command (actions in a given month)

accounts.csv

Configured bank accounts.

Header row:

account_id,bank,account_name,account_type,last_synced,is_active,eb_account_uid,eb_session_id,balance,balance_type,balance_date

Column	Type	Description
account_id	string	Unique account identifier
bank	string	Bank identifier (e.g., enable-banking)
account_name	string	User-friendly name (e.g., Lonkonto)
account_type	string	checking, savings, credit
last_synced	datetime	Last successful sync timestamp
is_active	boolean	TRUE if currently tracked
eb_account_uid	string	Enable Banking account UID
eb_session_id	string	Enable Banking session ID
balance	number	Current account balance
balance_type	string	Balance type code (e.g., CLBD, ITAV)
balance_date	date	When balance was last updated (YYYY-MM-DD)

Balance type codes:

• CLBD: Closing booked balance (end of day settled) — preferred
• ITAV: Intraday available (current available)
• XPCD: Expected balance

File operations:

• Append row: when user adds a new account
• Update row: after each sync (update last_synced, balance, balance_type, balance_date)
• Read all: to list configured accounts

settings.csv

Plugin configuration stored as key-value pairs.

Header row:

setting_key,setting_value,updated_at

Column	Type	Description
setting_key	string	Setting name (snake_case)
setting_value	string	Setting value
updated_at	datetime	Last updated timestamp

Default settings:

Key	Default Value	Description
default_currency	DKK	Currency for all transactions
categorization_confidence_threshold	0.7	Minimum confidence to auto-assign category
subscription_detection_months	3	Minimum occurrences to detect subscription
preferred_language	da	Language for user-facing output

File operations:

• Read all: at command startup to load configuration
• Update row: when user changes a setting

merchant-overrides.csv

Learned merchant categorization rules from user corrections. When a user manually recategorizes a transaction, the correction is stored here as a reusable rule for future transactions from the same merchant.

Header row:

raw_pattern,merchant,category,subcategory,created_at

Column	Type	Description
raw_pattern	string	Normalized pattern from raw_text (uppercase, trimmed) e.g. NORMAL FREDERIK
merchant	string	User-corrected merchant name e.g. Normal
category	string	User-corrected category e.g. Shopping
subcategory	string	User-corrected subcategory (can be empty)
created_at	datetime	When the override was created (YYYY-MM-DD HH:MM:SS)

File operations:

• Read all: before categorization to apply learned rules first
• Append row: when a manual correction in categorized.csv introduces a new merchant override
• Check for duplicates: don't add a row if raw_pattern already exists

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3. Payslip Schema

Purpose

Defines the CSV file structure for storing payslip data extracted from Danish lønsedler. Enables accurate pension tracking and income analysis based on actual gross salary rather than net deposits.

payslips.csv

Stores one row per uploaded payslip with extracted salary breakdown and pension data.

Header row:

payslip_id,pay_period,employer,employer_id,gross_salary,a_skat,am_bidrag,pension_employer,pension_employee,pension_total,pension_pct,atp,feriepenge,net_salary,benefits_json,transaction_id,file_reference,created_at

Column	Type	Description
payslip_id	string	Unique payslip ID (ps- prefix + 8 hex chars, e.g. ps-a1b2c3d4)
pay_period	string	Pay period in YYYY-MM format (e.g. 2026-01)
employer	string	Company name as shown on payslip
employer_id	string	Normalized employer ID (lowercase, no spaces)
gross_salary	number	Bruttoløn — total earnings before deductions
a_skat	number	Income tax withheld
am_bidrag	number	Labor market contribution (8% of gross)
pension_employer	number	Employer's pension contribution
pension_employee	number	Employee's pension contribution
pension_total	number	Combined pension (employer + employee)
pension_pct	number	Pension as percentage of gross salary
atp	number	ATP contribution
feriepenge	number	Holiday pay accrued this period
net_salary	number	Nettoløn — amount deposited to bank
benefits_json	string	JSON string of additional benefits (sundhedsforsikring, fritvalgskonto, etc.)
transaction_id	string	Matched tx_id from transactions.csv (empty if unmatched)
file_reference	string	Local archive path (e.g. payslips/ps-a1b2c3d4.pdf)
created_at	datetime	When the payslip was processed (YYYY-MM-DD HH:MM:SS)

File operations:

• Append row: after payslip extraction and validation completes
• Read all: for deduplication check before appending
• Read filtered by pay_period: to analyze pension trends over time
• Read filtered by transaction_id: to find payslip linked to a salary transaction
• Update row: when user corrects extracted data

ID Generation

Payslip IDs

• Format: ps- + 8 random hex characters
• Example: ps-a1b2c3d4, ps-f9e8d7c6
• Must be unique across all rows in payslips.csv

Payslip Deduplication

Before appending a new payslip, check for duplicates using two fields:

• employer_id — same normalized employer
• pay_period — same month

If both match an existing payslip, warn the user: "Denne lønseddel ligner en der allerede er registreret ({payslip_id} for {pay_period}). Vil du tilføje den alligevel?"

File Archiving

Payslip images and PDFs are saved to a local payslips/ directory in the working directory. The directory is created automatically on first use.

Naming Convention

• Format: payslips/{payslip_id}.{ext}
• Extension preserved from the original file (jpg, png, pdf)
• Example: payslips/ps-a1b2c3d4.pdf

Archive Rules

• Save the file immediately after generating the payslip_id, before writing CSV row
• The file_reference column stores the relative path (e.g. payslips/ps-a1b2c3d4.pdf)
• Privacy: Never store CPR numbers — mask any detected CPR in logs

Payslip Examples

Standard Monthly Payslip

payslips.csv row:

ps-a1b2c3d4,2026-01,Teknologi A/S,teknologi,42000.00,11200.00,3360.00,4200.00,2100.00,6300.00,15.00,94.65,5250.00,25245.35,"{""sundhedsforsikring"":150}",tx-uuid-045,payslips/ps-a1b2c3d4.pdf,2026-02-01 14:30:00

Payslip with Bonus

payslips.csv row:

ps-b2c3d4e5,2026-03,Startup ApS,startup,55000.00,16500.00,4400.00,5500.00,2750.00,8250.00,15.00,94.65,6875.00,31255.35,"{""bonus"":10000}",tx-uuid-089,payslips/ps-b2c3d4e5.pdf,2026-04-02 10:15:00

---

5. File Relationships

transactions.csv --[tx_id]--> categorized.csv
transactions.csv --[tx_id]--> receipts.csv (via transaction_id)
transactions.csv --[tx_id]--> payslips.csv (via transaction_id)
receipts.csv --[receipt_id + date]--> receipt-items-YYYY-MM.csv
categorized.csv --[merchant + is_recurring]--> subscriptions.csv
categorized.csv --[month + category]--> monthly-summary.csv
merchant-overrides.csv <-- learned from manual corrections in categorized.csv
payslips.csv --> advice command (pension_pct for Step 3 assessment)
All commands --> action-log.csv
accounts.csv <--> Sync commands (last_synced updated)

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Related Skills

• See skills/document-parsing/SKILL.md for extraction rules and product subcategories
• See skills/payslip-parsing/SKILL.md for payslip extraction rules and validation
• See skills/transaction-matching/SKILL.md for how receipts and payslips are matched to transactions
• See skills/categorization/SKILL.md for merchant-level categories