Categorize Transactions using AI

  1. Download transactions (transactions.csv) from bank
  2. Create merchants.txt. If the command below doesn’t work, paste the header and first line of your CSV into AI and ask it to fix it.
cut -d'"' -f6 transactions.csv | tail -n +2 | sort | uniq > merchants.txt
  1. Tell OpenCode or OpenAI Codex to categorize them:
For each merchant listed in merchants.txt, categorize it into only one of these categories and save it to the merchant_categories.csv file.

Categories:
Food & Dining
Groceries
Cheer
Shopping
Travel
Transportation
Entertainment
Bills & Utilities
Healthcare
Income
Other

Anything with "Rebelz" or "Varsity" should be categorized as "Cheer".
  1. Tell OpenCode or OpenAI Codex to add the categories to the transactions
Create transactions_categorized.csv by left-joining the categories onto transactions.csv
  1. Paste into Google Sheets spreadsheet (Sheet 1)
  2. On Sheet 2, list the categories down Column A and the dates across Row 1 (ex: 3/1/25, 4/1/25)
  3. Add this to cell B2
=SUMIFS(Sheet1!$E:$E,Sheet1!$F:$F,$A2,Sheet1!$A:$A,">="&B$1,Sheet1!$A:$A,"<"&EDATE(B$1,1))

Assuming:

  • Sheet 1, Column E = Amount
  • Sheet 1, Column F = Category
  • Sheet 1, Column A = Date
  1. Drag the formula down to cover all categories, then across to cover all dates