Copilot Money

Build me a personal finance dashboard to replace Copilot Money. Requirements: - Local web app: Node + Express + better-sqlite3, charts with Chart.js, no build step. - No bank APIs: I drop CSV exports from my banks into imports/, a chokidar watcher ingests new files using per-bank column maps in mappings.json, and rows dedupe on a date+amount+description hash. - Categorization: ordered regex rules in rules.json run first; unmatched transactions land in a review page where one click assigns a category and offers to save the pattern as a new rule. Optional LLM fallback, key in .env. - Dashboard: current month spend by category against per-category budgets, a 12-month trend line, and top merchants. - Recurring detection: the same merchant at roughly monthly intervals gets flagged as a subscription and listed with its annual cost. This list alone tends to pay for the build. - Accounts and net worth: monthly balance snapshots per account, plotted over time. - Everything local in one SQLite file, localhost only, no telemetry; note in the README that the optional LLM call sends transaction text out, skip it if that bothers me. - Out of scope: automatic bank sync (Plaid needs approval and per-connection fees) and investment tracking; CSV import is the honest personal version. - README: how to add a new bank's CSV mapping.