reconcile: Move code into functions, add totals.
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1 changed files with 182 additions and 115 deletions
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@ -1,5 +1,12 @@
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"""Reconcile an AMEX CSV statement against the books and print differences.
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Beancount users often write importers to create bookkeeping entries direct from
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a bank statement or similar. That approach automates data entry and
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reconciliation in one step. In some cases though, it's useful to manually enter
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transactions and reconcile them later on. This workflow helpful in cases like
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writing a paper check when there's a time lag between committing to making a
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payment and the funds being debited. That's the workflow we're using here.
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Run like this:
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$ python3 -m pip install thefuzz
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@ -36,18 +43,31 @@ TODO/ISSUES:
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"""
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import argparse
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import collections
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import csv
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import datetime
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import decimal
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import io
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import os
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from typing import Dict, List, Tuple
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import sys
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from typing import Callable, Dict, List, Tuple, TextIO
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from beancount import loader
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from beancount.query.query import run_query
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if not sys.warnoptions:
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import warnings
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# Disable annoying warning from thefuzz prompting for a C extension. The
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# current pure-Python implementation isn't a bottleneck for us.
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warnings.filterwarnings('ignore', category=UserWarning, module='thefuzz.fuzz')
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from thefuzz import fuzz # type: ignore
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# NOTE: Statement doesn't seem to give us a running balance or a final total.
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def read_transactions_from_csv(f: TextIO, standardize_statement_record: Callable) -> list:
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reader = csv.DictReader(f)
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return sort_records([standardize_statement_record(row, reader.line_num) for row in reader])
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def standardize_amex_record(row: Dict, line: int) -> Dict:
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"""Turn an AMEX CSV row into a standard dict format representing a transaction."""
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@ -59,6 +79,15 @@ def standardize_amex_record(row: Dict, line: int) -> Dict:
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}
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def standardize_fr_record(row: Dict, line: int) -> Dict:
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return {
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'date': datetime.datetime.strptime(row['Date'], '%m/%d/%Y').date(),
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'amount': decimal.Decimal(row['Amount']),
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'payee': row['Detail'] or row['Description'],
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'line': line,
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}
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def standardize_beancount_record(row) -> Dict: # type: ignore[no-untyped-def]
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"""Turn a Beancount query result row into a standard dict representing a transaction."""
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return {
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@ -70,14 +99,6 @@ def standardize_beancount_record(row) -> Dict: # type: ignore[no-untyped-def]
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'statement': row.posting_statement,
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}
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def standardize_fr_record(row: Dict, line: int) -> Dict:
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return {
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'date': datetime.datetime.strptime(row['Date'], '%m/%d/%Y').date(),
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'amount': decimal.Decimal(row['Amount']),
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'payee': row['Detail'] or row['Description'],
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'line': line,
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}
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def format_record(record: Dict) -> str:
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return f"{record['date'].isoformat()}: {record['amount']:12,.2f} {record['payee'][:20]:<20}"
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@ -87,6 +108,49 @@ def sort_records(records: List) -> List:
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return sorted(records, key=lambda x: (x['date'], x['amount']))
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def match_statement_and_books(statement_trans: list, books_trans: list, show_reconciled_matches: bool, csv_statement: str) -> tuple[list, list, decimal.Decimal]:
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matches = []
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metadata_to_apply = []
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total_matched = decimal.Decimal(0)
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total_missing_from_books = decimal.Decimal(0)
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total_missing_from_statement = decimal.Decimal(0)
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# Run through all the statement transactions to find a matching transaction in
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# the books. If found, the books transaction is marked off so that it can only
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# be matched once. Some transactions will be matched, some will be on the
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# statement but not the books and some on the books but not the statement.
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#
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# Doesn't currently find exact matches when there are a bunch of transactions
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# for the same amount on the same day. Probably ought to do a first pass through
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# the books transactions to find an closely matching payee, then do another pass
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# disregarding payee.
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# TODO: What if th
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for r1 in statement_trans:
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for r2 in books_trans:
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match, note = records_match(r1, r2)
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if match:
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if not r2['statement'] or show_reconciled_matches:
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matches.append([r2['date'], f'{format_record(r1)} → {format_record(r2)} ✓ {note}'])
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total_matched += r2['amount']
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if not r2['statement']:
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metadata_to_apply.append((r2['filename'], r2['line'], f' bank-statement: "{os.path.basename(csv_statement)}:{r2["line"]}"\n'))
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books_trans.remove(r2)
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break
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else:
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matches.append([r1['date'], f'{format_record(r1)} → {" ":^45} ✗ Not in books ({os.path.basename(csv_statement)}:{r1["line"]})'])
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total_missing_from_books += r1['amount']
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for r2 in books_trans:
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matches.append([r2['date'], f'{" ":^45} → {format_record(r2)} ✗ Not on statement ({os.path.basename(r2["filename"])}:{r2["line"]})'])
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total_missing_from_statement += r2['amount']
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return matches, metadata_to_apply, total_matched, total_missing_from_books, total_missing_from_statement
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# TODO: Time for some test cases I think.
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# TODO: Could potentially return a score so that we can find the best match from
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# a pool of candidates. How would be then remove that candidate from the global
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# pool?
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def records_match(r1: Dict, r2: Dict) -> Tuple[bool, str]:
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"""Do these records represent the same transaction?"""
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date_matches_exactly = r1['date'] == r2['date']
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@ -106,6 +170,42 @@ def records_match(r1: Dict, r2: Dict) -> Tuple[bool, str]:
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return False, ''
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# TODO: Is there a way to pull the side-effecting code out of this function?
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def write_metadata_to_books(metadata_to_apply: List[Tuple[str, int, str]]) -> None:
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"""Insert reconciliation metadata in the books files.
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Takes a list of edits to make as tuples of form (filename, lineno, metadata):
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[
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('2021/main.beancount', 4245, ' bank-statement: statement.pdf'),
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('2021/main.beancount', 1057, ' bank-statement: statement.pdf'),
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('2021/payroll.beancount', 257, ' bank-statement: statement.pdf'),
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...,
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]
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"""
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file_contents: dict[str, list] = {}
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file_offsets: dict[str, int] = collections.defaultdict(int)
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# Load each books file into memory and insert the relevant metadata lines.
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# Line numbers change as we do this, so we keep track of the offset for each
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# file. Changes must be sorted by line number first or else the offsets will
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# break because we're jumping around making edits.
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for filename, line, metadata in sorted(metadata_to_apply):
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if filename not in file_contents:
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with open(filename, 'r') as f:
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file_contents[filename] = f.readlines()
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# Insert is inefficient, but fast enough for now in practise.
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file_contents[filename].insert(line + file_offsets[filename], metadata)
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file_offsets[filename] += 1
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# Writes each updated file back to disk.
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for filename, contents in file_contents.items():
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with open(filename, 'w') as f:
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f.writelines(contents)
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print(f'Wrote {filename}.')
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def parse_args(argv):
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parser = argparse.ArgumentParser(description='Reconciliation helper')
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parser.add_argument('--beancount-file', required=True)
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parser.add_argument('--csv-statement', required=True)
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@ -113,11 +213,12 @@ parser.add_argument('--account', required=True, help='eg. Liabilities:CreditCard
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parser.add_argument('--grep-output-filename')
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# parser.add_argument('--report-group-regex')
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parser.add_argument('--show-reconciled-matches', action='store_true')
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parser.add_argument('--statement-total', required=True)
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args = parser.parse_args()
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parser.add_argument('--statement-balance', type=decimal.Decimal, required=True, help="A.K.A \"cleared balance\" taken from the end of the period on the PDF statement. Required because CSV statements don't include final or running totals")
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parser.add_argument('--non-interactive', action='store_true', help="Don't prompt to write to the books")
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return parser.parse_args(args=argv[1:])
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statement_total = decimal.Decimal(args.statement_total)
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def main(args):
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# TODO: Should put in a sanity check to make sure the statement you're feeding
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# in matches the account you've provided.
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if 'AMEX' in args.account:
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@ -126,8 +227,7 @@ else:
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standardize_statement_record = standardize_fr_record
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with open(args.csv_statement) as f:
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reader = csv.DictReader(f)
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statement_trans = sort_records([standardize_statement_record(row, reader.line_num) for row in reader])
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statement_trans = read_transactions_from_csv(f, standardize_statement_record)
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begin_date = statement_trans[0]['date']
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end_date = statement_trans[-1]['date']
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@ -141,88 +241,55 @@ end_date = statement_trans[-1]['date']
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# but I'm not clear on how to use compile(). An example would help.
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entries, _, options = loader.load_file(args.beancount_file)
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cleared_query = f"""SELECT sum(COST(position)) AS aa WHERE account = "{args.account}"
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AND date <= {end_date.isoformat()} AND META('bank-statement') != NULL"""
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result_types, result_rows = run_query(
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entries,
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options,
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cleared_query,
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numberify=True,
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)
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books_balance_query = f"""SELECT sum(COST(position)) AS aa WHERE account = "{args.account}"
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AND date <= {end_date.isoformat()}"""
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result_types, result_rows = run_query(entries, options, books_balance_query, numberify=True)
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books_balance = result_rows[0][0] if result_rows else 0
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cleared_total = result_rows[0][0]
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books_balance_reconciled_query = f"""SELECT sum(COST(position)) AS aa WHERE account = "{args.account}"
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AND date <= {end_date.isoformat()} AND META('bank-statement') != NULL"""
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result_types, result_rows = run_query(entries, options, books_balance_reconciled_query, numberify=True)
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books_balance_reconciled = result_rows[0][0] if result_rows else 0
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# String concatenation looks bad, but there's no SQL injection possible here
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# because BQL can't write back to the Beancount files. I hope!
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query = f"SELECT filename, META('lineno') AS posting_line, META('bank-statement') AS posting_statement, date, number(cost(position)), payee, narration where account = '{args.account}' and date >= {begin_date} and date <= {end_date}"
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result_types, result_rows = run_query(
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entries,
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options,
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query,
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)
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result_types, result_rows = run_query(entries, options, query)
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books_trans = sort_records([standardize_beancount_record(row) for row in result_rows])
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num_statement_records = len(statement_trans)
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num_books_trans = len(books_trans)
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statement_index = 0
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books_index = 0
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matches = []
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metadata_to_apply = []
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# Run through all the statement transactions to find a matching transaction in
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# the books. If found, the books transaction is marked off so that it can only
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# be matched once. Some transactions will be matched, some will be on the
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# statement but not the books and some on the books but not the statement.
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#
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# Doesn't currently find exact matches when there are a bunch of transactions
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# for the same amount on the same day. Probably ought to do a first pass through
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# the books transactions to find an closely matching payee, then do another pass
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# disregarding payee.
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for r1 in statement_trans:
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for r2 in books_trans:
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match, note = records_match(r1, r2)
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if match:
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if not r2['statement'] or args.show_reconciled_matches:
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matches.append([r2['date'], f'{format_record(r1)} → {format_record(r2)} ✓ {note}'])
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if not r2['statement']:
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metadata_to_apply.append((r2['filename'], r2['line'], f' bank-statement: "{os.path.basename(args.csv_statement)}:{r2["line"]}"\n'))
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books_trans.remove(r2)
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break
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else:
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matches.append([r1['date'], f'{format_record(r1)} → {" ":^45} ✗ Not in books ({os.path.basename(args.csv_statement)}:{r1["line"]})'])
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for r2 in books_trans:
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matches.append([r2['date'], f'{" ":^45} → {format_record(r2)} ✗ Not on statement ({os.path.basename(r2["filename"])}:{r2["line"]})'])
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matches, metadata_to_apply, total_matched, total_missing_from_books, total_missing_from_statement = match_statement_and_books(
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statement_trans, books_trans, args.show_reconciled_matches, args.csv_statement)
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out = io.StringIO()
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print('-' * 155)
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print(f'{"Statement transaction":<38} {"Books transaction":<44} Notes')
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print('-' * 155)
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for _, output in sorted(matches):
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print(output)
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print('-' * 155)
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print(f'STATEMENT TOTAL: {statement_total}')
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print(f'CLEARED TOTAL: {cleared_total:12,.2f}')
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print(f'Period: {begin_date} to {end_date}')
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print(f'Statement/cleared balance: {args.statement_balance:12,.2f} (as provided by you)')
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print(f'Books balance (all): {books_balance:12,.2f} (all transactions, includes unreconciled)')
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print(f'Books balance (reconciled): {books_balance_reconciled:12,.2f} (transactions with "bank-statement" tag only)')
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print(f'Matched above: {total_matched:12,.2f} ("bank-statement" tag yet to be applied)')
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print(f'On statement only: {total_missing_from_books:12,.2f} (no match in books)')
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print(f'On books only: {total_missing_from_statement:12,.2f} (no match on statement)')
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print('-' * 155)
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# print(f'Remaning to reconcile: {books_balance - books_balance_reconciled - total_matched:12,.2f}')
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# print(f'Total reconciled inc. above: {books_balance_reconciled + total_matched:12,.2f}')
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# print('-' * 155)
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# Write statement metadata back to books
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if metadata_to_apply:
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if metadata_to_apply and not args.non_interactive:
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print('Mark matched transactions as reconciled in the books? (y/N) ', end='')
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if input().lower() == 'y':
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files = {}
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# Query results aren't necessarily sequential in a file, so need to sort
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# so that our line number offsets work.
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for filename, line, metadata in sorted(metadata_to_apply):
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if filename not in files:
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with open(filename, 'r') as f:
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# print(f'Opening {filename}.')
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files[filename] = [0, f.readlines()] # Offset and contents
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files[filename][1].insert(line + files[filename][0], metadata)
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files[filename][0] += 1
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# print(f'File {filename} offset {files[filename][0]}')
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for filename in files:
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with open(filename, 'w') as f:
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f.writelines(files[filename][1])
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print(f'Wrote {filename}.')
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write_metadata_to_books(metadata_to_apply)
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if __name__ == '__main__':
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args = parse_args(sys.argv)
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main(args)
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# Local Variables:
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# python-shell-interpreter: "/home/ben/\.virtualenvs/conservancy-beancount-py39/bin/python"
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