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feat: explainable spending insights with human-readable analysis (#89)#759

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alexchenai wants to merge 1 commit intorohitdash08:mainfrom
alexchenai:feature/explainable-spending-insights-89
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feat: explainable spending insights with human-readable analysis (#89)#759
alexchenai wants to merge 1 commit intorohitdash08:mainfrom
alexchenai:feature/explainable-spending-insights-89

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Summary

Adds an insights engine that transforms raw spending data into clear, human-readable explanations.

Features

  • Top spending category identification with amount and percentage
  • Month-over-month change detection (warns at >10% change, alerts at >20%)
  • Category spike detection: flags categories with >50% spending increase vs prior month
  • Large transaction callouts for transactions over 200
  • All insights include title, description, severity (info/warning), and amounts

API Endpoint

GET /api/analytics/insights?year=2026&month=4

Tests

5 tests covering top category, MoM change, category spike, large transactions, and empty state.

Closes #89

…itdash08#89)

- Top spending category identification with percentage of total
- Month-over-month change detection with severity levels
- Category spike alerts (>50% increase triggers warning)
- Large transaction callouts (>200 flagged with context)
- All insights include title, description, amounts, and severity
- 5 tests covering all insight types and empty state

Closes rohitdash08#89
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Explainable Spending Insights

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