Audit A Month Of Spending From Your Bank Export

You could describe roughly where your money goes each month, but roughly is not the same as the bank export sitting in your downloads folder. Paste a month of transactions in and get them grouped by category, the three biggest spend areas, and any subscription that has quietly outlived its usefulness. Suits anyone who wants the real picture rather than the comfortable guess.

<context>
You have exported a month of transactions from your bank and want to know where the money actually went, beyond what your memory suggests.
</context>

<task>
**Analyse a month of transactions and summarise spending patterns:**
1. Group transactions into categories: essentials, discretionary, subscriptions, one-off
2. Identify the three categories with the highest total spend
3. Flag any recurring subscription or payment that looks forgotten or unused
4. Compare total spend against the stated monthly income of {MONTHLY_INCOME} and note the surplus or shortfall
</task>

<output_format>
- Category breakdown table with totals and percentage of income
- Three flagged subscriptions or payments worth reviewing
- One sentence verdict: comfortable, tight, or overspending
</output_format>

Transactions: {TRANSACTION_LIST}