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How to close each month's spending from exported statements with Overtime

A money agent reads the statements you export, checks spending against budget, and flags unused subscriptions.

Credentials. Bank and card statements are sensitive, so keep exports in a protected folder and avoid pasting account numbers into the brief.

Who it is forA household or freelancer who exports statements each month and wants the spending review done without a spreadsheet session.

The problemMonthly spending reviews are skipped, so overspending and forgotten subscriptions go unnoticed for months.

The outcomeA monthly close showing spending against your budget and a list of subscriptions you no longer use, based only on the files you export.

What you need first

  • Node.js 22.19 or newer
  • npm to install the package globally
  • One coding agent signed in, such as Claude (built in, uses your Claude Code login)
  • A repo or service the agent can access, with protected paths set if needed

Steps

  1. Run npm install -g @ukanwat/overtime to install the app.
  2. Run overtime and name the agent money.
  3. Brief it: each month, close the month from the statements I export, compare spending to my budget, and list subscriptions I no longer use.
  4. Place your exported statement files in the agent folder or the folder you point it to.
  5. Read the first close and confirm the totals match your statements.

Prompt for your agent

Using the Overtime repo at ukanwat/overtime, create a money agent that closes the month from the statement exports in <folder>. Expected output: spending by category against budget and a list of possibly unused subscriptions. Verify that the totals match the sum of the exported lines.

Caveat. The README says the close works from exports you provide, so it does not connect to your bank and you must export statements yourself.

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