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feat(overspend): Category overspend early warning system (#117)#276

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dagangtj wants to merge 2 commits intorohitdash08:mainfrom
dagangtj:feat/overspend-warning-117
Open

feat(overspend): Category overspend early warning system (#117)#276
dagangtj wants to merge 2 commits intorohitdash08:mainfrom
dagangtj:feat/overspend-warning-117

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Summary

Early warning system that monitors spending against category budgets with projections and alerts.

Closes #117

Changes

  • Warning service: packages/backend/app/services/overspend_warning.py

    • 4 alert levels: safe (<70%), caution (70-85%), warning (85-100%), exceeded (>100%)
    • Projected month-end spending based on current pace
    • Daily remaining budget calculation
    • Unbudgeted spending detection
    • Sorted alerts (most severe first)
    • Actionable recommendations
  • API: packages/backend/app/routes/overspend.py

    • POST /overspend/check — check spending vs budgets
  • Tests: 14 test cases

Acceptance Criteria

  • Production ready implementation
  • Includes tests (14 cases)
  • Follows existing code patterns

dagangtj added 2 commits March 1, 2026 00:13
- Detect duplicate subscriptions (streaming, music, cloud, etc.)
- Price increase detection on recurring charges
- High frequency spending alerts
- Category spending spike detection
- Negotiable bill identification
- Round-up savings calculator
- REST API: POST /savings/opportunities
- 14 test cases
…#117)

- 4 alert levels: safe, caution, warning, exceeded
- Projected spending based on pace
- Daily remaining budget calculation
- Unbudgeted spending detection
- Actionable recommendations
- REST API: POST /overspend/check
- 14 test cases
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Category overspend early warning system

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