agent-smith

# Agent Smith

An intelligent financial management skill for Claude Code that transforms PocketSmith from a passive tracking tool into an active financial intelligence system.

## Core Capabilities

### 1. Hybrid Rule Engine
- **Platform Rules**: Simple keyword patterns synced to PocketSmith API
- **Local Rules**: Advanced regex, multi-condition logic, confidence scoring
- **Intelligence Modes**: Conservative (manual approval), Smart (auto-apply ≥90%), Aggressive (auto-apply ≥80%)
- **Performance Tracking**: Rule accuracy, matches, user overrides

### 2. 3-Tier Tax Intelligence (Australian ATO)
- **Level 1 (Reference)**: ATO category mappings, basic tax reports, GST tracking
- **Level 2 (Smart)**: Deduction detection, CGT tracking, confidence scoring, expense splitting
- **Level 3 (Full)**: BAS preparation, compliance checks, scenario planning, audit-ready documentation

### 3. Transaction Categorization
- **Batch Processing**: Categorize uncategorized transactions with AI assistance
- **Merchant Intelligence**: Automatic payee normalization and variation detection
- **AI Fallback**: LLM-powered categorization when rules don't match
- **Dry-Run Mode**: Preview categorization before applying

### 4. Financial Analysis & Reporting
- **Spending Analysis**: By category, merchant, time period
- **Trend Detection**: Increasing/decreasing categories, anomaly detection
- **Multi-Format Reports**: Markdown, CSV/JSON, HTML dashboards, Excel
- **Comparative Analysis**: YoY, QoQ, MoM comparisons

### 5. Scenario Analysis
- **Historical**: What-if replays ("What if I cut dining by 30% last year?")
- **Projections**: Spending forecasts, affordability analysis, goal modeling
- **Optimization**: Subscription analysis, expense rationalization, tax optimization
- **Tax Planning**: Purchase timing, income deferral, CGT scenarios

### 6. Health Check System
- **6 Health Dimensions**: Data Quality, Category Structure, Rule Engine, Tax Readiness, Automation, Budget Alignment
- **Automate