Personal Finance Analysis: a Tokeny case study
Import billing data to analyze spending patterns and generate financial advice reports. Follow the recorded task, execution screenshots, actual files and verification notes.
By the Tokeny team · Windows · Tokeny 1.7.8 · gpt-6-sol
Prepare the inputs
Create a separate workspace in Tokeny, download and unpack the sample inputs, then select a model that supports tools. The sample uses synthetic data or the public sources named in the article.
- bills.csv
Send the task to Tokeny
The original task was executed in Chinese. Copying these instructions reproduces the same task; the results below include an English report.
分析合成月账单，分开收入、支出和账户转账，输出消费结构图、结余与预算建议。不要建议购买具体金融产品。 交付文件：finance.html、budget.xlsx。 验收要点： - 支出 6900，收入 12000，结余 5100 - 转账不重复计入消费 - 图表与总额一致 这是使用合成演示输入或指定公开资料的真实操作案例。请先读取工作空间输入，再实际生成文件并自检。所有写入、脚本与临时服务限于当前工作空间；临时服务只监听 127.0.0.1，执行后关闭；不触达外部收件人、不发布、不付款、不更改系统设置，不调用子智能体。需要公开资料时可读取给定 URL。只启用完成任务必需的工具。另写 report.md（中文）和 report.en.md（英文），简洁、完整，包含输入、处理步骤、真实结果、检查方式和局限；失败或未验证部分如实记录，不能宣称成功。最终回复用中文列出产物、关键结果与待核实项。 排版检查：Word 主标题仅出现一次，标题为黑色且与后续正文或表格保持同页；表格的标题、表头和第一条数据保持同页，单行不要跨页拆分；Excel 表头和长文字不能被窄列截断，合理设置列宽、换行、行高；HTML 在 390px 视口不能整页横向溢出。临时网络服务请用系统分配端口（0），记录实际端口，不使用固定端口，避免并发案例互相访问。报告没有固定字数要求，不要为字数反复改写。
The recorded run used an isolated demonstration workspace. Review the commands and file paths before approving operations in your own workspace.
What actually ran
The task was submitted through the Tokeny input box. An online model read the inputs and executed tools. This run covers the local sample task and its actual files. Results and checks are recorded below.
Results and verification
Input
The source is the synthetic demonstration file bills.csv in the workspace. It covers October 2026 and contains 7 valid transactions: 1 income, 5 expenses, and 1 account transfer.
Processing
- Split records by
typeinto income, expense, and transfer. - Included only
expenserecords in the consumption structure; kept transfers separate to avoid double counting. - Calculated category totals and expense shares, then calculated balance as income minus expenses.
- Added reference budget guidance based on observed spending, without recommending specific financial products.
Actual results
- Income: CNY 12,000
- Expenses: CNY 6,900
- Balance: CNY 5,100
- Transfer: CNY 3,000, excluded from expenses and the consumption structure
- Consumption structure: rent CNY 3,500 (50.7%), dining CNY 1,500 (21.7%), shopping CNY 900 (13.0%), entertainment CNY 600 (8.7%), transport CNY 400 (5.8%). Rounded shares may total 99.9%.
- Budget note: reserve CNY 3,500 for fixed spending; observed flexible spending is CNY 3,400 (dining, transport, shopping, and entertainment). Set next-month limits according to personal goals; the current balance rate is 42.5%.
Checks
- Recalculated from
bills.csv: 3500+1500+400+900+600=6900; income=12000; balance=12000-6900=5100. - Confirmed the CNY 3,000 transfer appears only as a transfer and is excluded from expense totals and the consumption structure.
- Cross-checked the summary cards, chart legend, transaction table in
finance.htmlagainst the summary, transactions, and budget sheets inbudget.xlsx. - Playwright verification at a 390px viewport returned innerWidth=390, document scrollWidth=390, body scrollWidth=390, and one main heading; the temporary service listened on 127.0.0.1:64653 and was closed after the check.
Limitations
This is one month of data with one income source and a small category set, so it cannot establish seasonality or long-term trends. The budget guidance is a reference based on this month and is not personal financial planning or a recommendation for any financial product. Whether the transfer belongs to the same account holder should be confirmed against real account statements.
Download and inspect the outputs
The archive contains the files created during this run. Use these checks when adapting the example to your own data.
- Reconcile the reported results against the downloadable sample inputs.
- Open the generated files and check the contents relevant to your task.
- Review the limitations and any unverified steps in the report.