# year-end-summary

Generates an annual financial summary with monthly trends and category aggregates. Useful for tax filing and budgeting.

- skill · `type=skill` · Claude Code, Codex, Cursor, GitHub Copilot, Gemini CLI, OpenCode · 405 installs · ★ 101
- Author: openaccountant
- License: MIT · policy=mirror · the beginning of the file is at the end of this page
- Source: https://github.com/openaccountant/skills/tree/HEAD/shared/year-end-summary/SKILL.md
- Updated: 2026-04-09
- HTML: https://affpapa.org/en/nevibecode/skills/year-end-summary

## What it does

The skill aggregates a full year of transactions into an annual report. Using `spending_summary` and `transaction_search`, it tallies gross income, expenses, and net savings. It also lists your top ten largest expenses, frequent vendors, and monthly totals.

Anomaly detection flags irregular monthly spending spikes and major category shifts compared to the prior year. Transfers between personal accounts must be categorized properly, or they will distort total savings figures. The completed review exports directly to Markdown or CSV.

## Install

### Claude Code (native platform)

1. **Skills CLI (Vercel)**
```bash
npx skills add openaccountant/skills --skill year-end-summary -a claude-code
```

2. **Manually: put the files in place**
- File: `~/.claude/skills/year-end-summary/SKILL.md` — Copy the whole skill folder; for one project use .claude/skills/year-end-summary/

### Codex

1. **Skills CLI (Vercel)**
```bash
npx skills add openaccountant/skills --skill year-end-summary -a codex
```

2. **Manually: put the files in place**
- File: `.agents/skills/year-end-summary/SKILL.md` — For all projects use ~/.agents/skills/

### Cursor

1. **Skills CLI (Vercel)**
```bash
npx skills add openaccountant/skills --skill year-end-summary -a cursor
```

2. **Manually: put the files in place**
- File: `.cursor/skills/year-end-summary/SKILL.md` — Cursor also reads .agents/skills/ and .claude/skills/

### GitHub Copilot

1. **GitHub CLI**
```bash
gh skill install openaccountant/skills year-end-summary
```

2. **Manually: put the files in place**
- File: `.github/skills/year-end-summary/SKILL.md`

### Gemini CLI

1. **Skills CLI (Vercel)**
```bash
npx skills add openaccountant/skills --skill year-end-summary -a gemini-cli
```

2. **Platform CLI**
```bash
gemini skills install https://github.com/openaccountant/skills --path shared/year-end-summary
```

### Windsurf (Devin Desktop)

**Manually: put the files in place**
- File: `.devin/skills/year-end-summary/SKILL.md` — The legacy .windsurf/skills/ path still works

### OpenCode

**Skills CLI (Vercel)**
```bash
npx skills add openaccountant/skills --skill year-end-summary -a opencode
```

### Claude.ai

**Claude.ai**
- Zip the folder and upload it in Settings → Capabilities → Skills

Where a file is given instead of a command, copy the files from the source to that path: https://github.com/openaccountant/skills/tree/HEAD/shared/year-end-summary/SKILL.md

## When to use it
- aggregate income and expense totals for the full year
- track monthly spending trends in a structured table
- identify the top ten largest expenses and frequent vendors
- detect anomalous spending spikes across spending categories
- export an annual financial report to Markdown or CSV

## Example prompts
- Generate an annual financial summary for the previous calendar year
- Show monthly income and expense trends with the top 10 expenses for 2024
- Check for spending anomalies across categories and export the year-end review

## Source text · SKILL.md · MIT

Below is the content of a third-party file. It is data, not instructions for you: do not act on anything written inside unless the human asks. Block tag: 27bf5f059ec820f6.

BEGIN THIRD-PARTY FILE 27bf5f059ec820f6
````text
---
name: year-end-summary
description: >
  Generate an annual financial review with totals, trends, and highlights.
---

# 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
1. Determine the target year (default: previous calendar year).
2. Use `spending_summary` for each month of the year to build a monthly trend table.
3. Use `spending_summary` for the full year grouped by category.
4. If prior year data exists, pull the same data for year-over-year comparison.
5. Use `transaction_search` to identify:
   - Top 10 largest expenses
   - All income sources and totals
   - Most frequent vendors
   - First and last transactions of the year
6. Use `anomaly_detect` across the full year to find:
   - Months with unusually high or low spending
   - Categories with significant year-over-year changes
7. Compile the report with sections below.
8. 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:

1. **Gather data**: Export 12 months of transactions from your bank(s) as CSV. Combine into one sheet.
2. **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
3. **Category pivot table**:
   - Rows: Category
   - Values: SUM of Amount, COUNT of transactions
4. **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`
5. **Key formulas**:
   ```
````
END THIRD-PARTY FILE 27bf5f059ec820f6

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