Ghost Charges: a local Gemma 4 finds the subscriptions still haunting your bank statement

Описание и применение

Ghost Charges использует локальную модель Gemma 4 для распознавания подписок в банковских выписках, автоматически группируя и отмечая повторяющиеся платежи.

Задача

Users cannot easily identify recurring subscription charges in their bank statements, leading to unnoticed fees.

Результат

Ghost Charges identified 7 recurring charges totaling $1,510.52 per year in a synthetic statement, with detailed reasons for each flag.

Рабочий процесс

• Export bank statement as CSV
• Run the Ghost Charges command on the CSV
• Gemma 4 E2B reads each unique line and outputs merchant name, quote, and kind
• Python rules validate the reading and merge similar merchant names
• Python groups charges by merchant and frequency, calculates yearly cost, and flags anomalies
• Output a table of recurring charges and audit trail

Доказательства

Ghost Charges finds them. Export a CSV from your bank, run one command, and get a table like this:

Источник

Gemma 4 E2B reads about one statement line every 2 seconds, so 28 unique lines took under a minute.

Источник

The model only reads, plain code does everything else.

Источник

I scored both versions against hand-made answer keys: ... Gemma + rules 8/8 exactly right.

Источник