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feat: dynamic budget suggestions based on spending history (#73)#760

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alexchenai wants to merge 1 commit intorohitdash08:mainfrom
alexchenai:feature/dynamic-budget-suggestions-73
Open

feat: dynamic budget suggestions based on spending history (#73)#760
alexchenai wants to merge 1 commit intorohitdash08:mainfrom
alexchenai:feature/dynamic-budget-suggestions-73

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Summary

Analyzes spending history to generate personalized budget suggestions using the 50/30/20 rule.

Features

  • 3-month historical analysis for each spending category
  • 50/30/20 rule: needs/wants/savings allocation when income is provided
  • Volatility detection: high-variance categories get extra buffer in suggestion
  • Budget CRUD: set custom budgets per category
  • Real-time status: over/warning/ok with remaining amount and percentage used
  • Income-aware: calculates projected savings rate

API Endpoints

  • GET /api/budgets/suggestions?monthly_income=5000
  • GET /api/budgets
  • POST /api/budgets {category, amount}
  • GET /api/budgets/status?year=2026&month=4

Tests

6 tests covering empty state, suggestions, CRUD, over-budget, ok status, income-aware projection.

Closes #73

…08#73)

- Analyzes 3 months of spending history to suggest personalized budgets
- 50/30/20 rule integration: needs/wants/savings allocation
- Per-category suggestions with volatility detection and reasoning
- Income-aware: calculates projected savings rate when income provided
- Budget CRUD: set, get, and check status vs actual spending
- Real-time status: over/warning/ok with remaining amounts and percentage
- 6 comprehensive tests covering suggestions, CRUD, and status checks

Closes rohitdash08#73
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Dynamic Budget Suggestions

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