Spending Watch¶

Monitor spending patterns and get alerts when thresholds are exceeded. Define an array of rules — each watches a time window for spending over a limit.

"spendingWatch": [
  { "alertFromAmount": 500, "numOfDayToCount": 1 },
  { "alertFromAmount": 3000, "numOfDayToCount": 7, "watchPayees": ["שופרסל", "רמי לוי"] },
  { "alertFromAmount": 10000, "numOfDayToCount": 30, "watchPayees": ["rent", "שכירות"] }
]

Rule fields¶

Field	Required	Description
`alertFromAmount`	Yes	Alert if total spending exceeds this amount (currency units, e.g. ILS)
`numOfDayToCount`	Yes	Time window in days (1 = today only, 7 = week, 30 = month). Range: 1–365
`watchPayees`	No	Only count transactions matching these payees (substring match, case-insensitive). Missing/empty = ALL payees

How it works¶

After each bank import, the tool queries Actual Budget for all debit transactions in the time window.
If watchPayees is set, only transactions matching those names are counted (substring — שופרסל matches שופרסל דיזנגוף סניף 123).
If watchPayees is missing or empty, ALL debits are counted.
Amounts are summed and compared to alertFromAmount.
Triggered rules are combined into one message and sent to all configured channels (Telegram + webhook).

Example rules explained¶

Rule	What it does
`500 / 1 day / no filter`	"Alert if I spend more than 500 ILS today"
`3000 / 7 days / שופרסל, רמי לוי`	"Alert if grocery spending exceeds 3,000 ILS this week"
`10000 / 30 days / rent, שכירות`	"Alert if rent payments exceed 10,000 ILS this month"

Alert output¶

🔔 Spending Watch

⚠️ All payees: 1,250.00 in 1 day (limit: 500)
  -507.08  AliExpress
  -398.21  AliExpress
  -263.90  Netflix
  ... and 2 more

⚠️ שופרסל, רמי לוי: 3,420.00 in 7 days (limit: 3,000)
  -1,200.00  שופרסל דיזנגוף
  -890.00    רמי לוי תל אביב
  -1,330.00  שופרסל דיל

Backward compatibility¶

No spendingWatch config = no alerts. Fully opt-in.

Spending watch runs automatically after each import. The /watch Telegram command currently shows info — on-demand checking is planned for a future release (see Roadmap).