Epic: Savings — savings rate, goals, trends, and full lifecycle tracking

Overview

A dedicated savings system tracking how well you're building toward your future. Savings is a first-class category — distinct from income and expenses — covering TFSA/RRSP contributions, HISA transfers, and any money earmarked for goals.

Integrates with:

• 📈 Investments (Epic #239) — contributions to investment accounts classified as savings here; growth tracked there
• 💰 Budgeting (Epic #226) — savings line items can have monthly budget targets
• 📊 Excel Export (Epic #219) — savings section on ledger tabs + dedicated Savings tab

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What counts as savings

Form	Example	Auto-detected?
Investment contributions	Chequing → Wealthsimple TFSA	✅ Yes (#235)
HISA transfers	Chequing → EQ Bank	✅ With hint
Manual savings line items	"Emergency Fund", "Car fund"	User-defined

Growth (market appreciation, dividends) is NOT savings — tracked in Epic #239. Never conflated.

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The savings lifecycle

Income earned
  → Pay expenses        (expense line items)
  → Save the rest  ←── THIS EPIC
      ├── TFSA/RRSP contributions  ──→ also tracked in Epic #239 for growth
      ├── HISA deposits
      └── Goal-earmarked savings
  → Track: rate, trends, goals

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Sub-issues

Foundation

• #234 — savings as a valid item_type on line items
• #235 — Classifier: auto-classify TFSA/RRSP/Wealthsimple transfers as savings
• #236 — Excel: Savings section on ledger tabs (Epic #219)
• #237 — summary() + budget_summary() include savings rate (Epic #226)

Savings tracking

• #248 — Savings rate: % of income saved, monthly + YTD trends
• #251 — Cumulative savings timeline (month-by-month running total)

Goals

• #249 — Data model: savings_goals table
• #250 — MCP tools: set_savings_goal, get_savings_goals, savings_progress()

Excel

• #252 — Dedicated Savings tab: rate, goals, timeline (Epic #219)

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Chat UX

"What's my savings rate this month?"
"Set a goal to save $10k for an emergency fund by December"
"How much have I saved in the last 6 months?"
"Am I on track for my TFSA goal?"

Treat this as an umbrella issue rather than a first implementation task. Start by reading the listed foundation and tracking sub-issues (#234–#252), along with the referenced epics for investments, budgeting, and Excel export. Done means the complete savings lifecycle, integrations, trends, goals, exports, and chat requests described here are implemented.