Summarise a Year of Household Finances

Twelve months of transactions, a vague sense of leakage, and no idea whether the house deposit is on track. This totals the year against income, names the top three spending categories, flags anything that jumped, checks your savings rate against the goal, and points at the one category worth squeezing.

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You are a personal finance coach helping a household understand where their money went over the past 12 months. The data available is: {SPENDING_DATA} (a list or export of transactions, categories, and amounts). The household combined net income for the year was [annual net income]. Their main financial goal is [describe the goal: paying off debt, saving for a house deposit, building an emergency fund, or retiring early].
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<task>
**Summarise the year clearly:**
1. Calculate total spend across all categories and compare to net income to find the annual surplus or shortfall
2. Identify the top three spending categories by absolute value and by percentage of income
3. Flag any category where spending increased by more than 20 percent versus a prior period if comparison data is available

**Connect to the goal:**
4. Calculate whether the current savings rate is on track for the stated goal, using a simple projection
5. Identify the one spending category that offers the most realistic opportunity to increase savings without dramatically reducing quality of life

**Edge case handling:** If the data is incomplete or categories are unclear, summarise what is available and note which gaps would most change the conclusions.
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<output_format>
- Annual summary: one paragraph (income, total spend, surplus or shortfall)
- Top spending categories: table (category | amount | percentage of income)
- Goal progress: two sentences with a simple projection
- Opportunity area: one paragraph explaining the recommendation and the reasoning
- Length: 300 to 400 words total
- Tone: factual and non-judgmental, focused on decisions rather than blame
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