year-end-summary

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🇺🇸

Original

English

🇨🇳

Translation

Chinese

Year-End Summary

年终总结

Overview

概述

Comprehensive annual financial review covering full-year income and expenses, monthly trends, category breakdowns, year-over-year comparisons, and financial highlights. Useful for tax preparation, goal setting, and understanding your overall financial picture.

全面的年度财务回顾，涵盖全年收支、月度趋势、分类明细、同比对比以及财务重点内容。可用于税务准备、目标设定和了解整体财务状况。

Wilson Tools Used

使用的Wilson工具

```
spending_summary
```
— monthly and category-level aggregates for the full year
```
transaction_search
```
— find notable transactions, income sources, largest expenses
```
anomaly_detect
```
— identify year-level anomalies and trend shifts
```
export_transactions
```
— export the full report as Markdown or CSV

```
spending_summary
```
— 全年月度及分类层面的汇总数据
```
transaction_search
```
— 查找重要交易、收入来源、最大支出项
```
anomaly_detect
```
— 识别年度异常情况和趋势变化
```
export_transactions
```
— 将完整报告导出为Markdown或CSV格式

Workflow

工作流程

Determine the target year (default: previous calendar year).
Use
```
spending_summary
```
for each month of the year to build a monthly trend table.
Use
```
spending_summary
```
for the full year grouped by category.
If prior year data exists, pull the same data for year-over-year comparison.
Use
```
transaction_search
```
to identify:
- Top 10 largest expenses
- All income sources and totals
- Most frequent vendors
- First and last transactions of the year
Use
```
anomaly_detect
```
across the full year to find:
- Months with unusually high or low spending
- Categories with significant year-over-year changes
Compile the report with sections below.
Export as Markdown file.

确定目标年份（默认：上一自然年）。
使用
```
spending_summary
```
获取全年每个月的数据，构建月度趋势表。
使用
```
spending_summary
```
获取全年按分类分组的数据。
如果存在上一年的数据，提取相同数据进行同比对比。
使用
```
transaction_search
```
识别：
- 前10大支出项
- 所有收入来源及总计
- 最频繁交易的商家
- 年度首笔和末笔交易
使用
```
anomaly_detect
```
分析全年数据，找出：
- 支出异常偏高或偏低的月份
- 同比变化显著的分类
按照以下章节整理报告。
导出为Markdown文件。

Report Sections

报告章节

undefined

undefined

Year-End Summary — [Year]

年终总结 — [年份]

Annual Overview

年度概述

Metric	[Year]	[Prior Year]	Change
Total Income	$XX,XXX	$XX,XXX	+/-XX%
Total Expenses	$XX,XXX	$XX,XXX	+/-XX%
Net Savings	$XX,XXX	$XX,XXX	+/-XX%
Savings Rate	XX%	XX%	+/-X pts

指标	[年份]	[上一年]	变化
总收入	$XX,XXX	$XX,XXX	+/-XX%
总支出	$XX,XXX	$XX,XXX	+/-XX%
净储蓄	$XX,XXX	$XX,XXX	+/-XX%
储蓄率	XX%	XX%	+/-X 个百分点

Monthly Trend

月度趋势

Month	Income	Expenses	Net
Jan	...	...	...
...	...	...	...

月份	收入	支出	净额
1月	...	...	...
...	...	...	...

Spending by Category (Full Year)

全年支出分类

Category	Amount	% of Total	vs. Prior Year
...	...	...	...

分类	金额	占总支出比例	同比变化
...	...	...	...

Top 10 Expenses

前10大支出项

Income Sources

收入来源

Source	Total	Frequency
...	...	...

来源	总计	交易频次
...	...	...

Year Highlights

年度重点

Highest spending month: [Month] ($X,XXX)
Lowest spending month: [Month] ($X,XXX)
Biggest single expense: [Description] ($X,XXX)
Most frequent vendor: [Vendor] (XX transactions)

undefined

支出最高的月份：[月份] ($X,XXX)
支出最低的月份：[月份] ($X,XXX)
单笔最大支出：[描述] ($X,XXX)
最频繁交易的商家：[商家] (XX 笔交易)

undefined

Without Wilson

不使用Wilson的方法

To build a year-end summary in a spreadsheet:

Gather data: Export 12 months of transactions from your bank(s) as CSV. Combine into one sheet.
Monthly trend pivot table:
- Rows: Month (use
```
=TEXT(A2,"YYYY-MM")
```
  to extract)
- Columns: Income vs. Expense (use
```
=IF(C2>0,"Income","Expense")
```
  )
- Values: SUM of Amount
Category pivot table:
- Rows: Category
- Values: SUM of Amount, COUNT of transactions
Year-over-year:
- Keep prior year data in a separate tab
- Use
```
=VLOOKUP
```
  to pull prior year category totals next to current year
- Calculate change:
```
=(Current - Prior) / ABS(Prior) * 100
```

Key formulas:

Annual Income:      =SUMPRODUCT((YEAR(A:A)=2025)*(C:C>0)*C:C)
Annual Expenses:    =ABS(SUMPRODUCT((YEAR(A:A)=2025)*(C:C<0)*C:C))
Savings Rate:       =(Income-Expenses)/Income*100
Highest Month:      Use MAX on monthly totals pivot
Most Frequent:      =INDEX(B:B,MATCH(MAX(COUNTIF(B:B,B:B)),COUNTIF(B:B,B:B),0))

Export: Copy the summary tables into a Google Doc or Word document for your records.

在电子表格中构建年终总结：

收集数据：从银行导出12个月的交易记录为CSV格式，合并到一个工作表中。
月度趋势数据透视表：
- 行：月份（使用
```
=TEXT(A2,"YYYY-MM")
```
  提取）
- 列：收入 vs. 支出（使用
```
=IF(C2>0,"Income","Expense")
```
  判断）
- 值：金额总和
分类数据透视表：
- 行：分类
- 值：金额总和、交易次数
同比对比：
- 将上一年的数据放在单独的标签页
- 使用
```
=VLOOKUP
```
  将上一年的分类总计匹配到本年数据旁
- 计算变化率：
```
=(本年数据 - 上年数据) / ABS(上年数据) * 100
```

关键公式：

年度总收入:      =SUMPRODUCT((YEAR(A:A)=2025)*(C:C>0)*C:C)
年度总支出:    =ABS(SUMPRODUCT((YEAR(A:A)=2025)*(C:C<0)*C:C))
储蓄率:       =(收入-支出)/收入*100
支出最高月份:      在月度总计数据透视表中使用MAX函数
最频繁交易商家:      =INDEX(B:B,MATCH(MAX(COUNTIF(B:B,B:B)),COUNTIF(B:B,B:B),0))

导出：将汇总表格复制到Google文档或Word文档中存档。

Important Notes

重要说明

Year-over-year comparison requires at least partial data from the prior year. If unavailable, that column is omitted.
Savings rate uses gross income (before taxes) unless you've categorized tax payments separately.
The report includes all transaction types. Transfers between your own accounts are excluded from income/expense totals if properly categorized.
This report pairs well with the
```
tax-deduction-tracker
```
skill for tax season preparation.

同比对比需要至少部分上一年的数据。如果没有该数据，则省略对应列。
储蓄率使用总收入（税前）计算，除非你已将税款单独分类。
报告包含所有交易类型。如果分类正确，本人账户间的转账将被排除在收支总计之外。
本报告与
```
tax-deduction-tracker
```
技能搭配使用，可为税务季做好准备。",