updatedRAG

plaid_client.py

@@ -66,7 +66,6 @@ def get_balances(access_token: str) -> str:
 # ---------- Transactions ----------
 
 def get_transactions(access_token: str, days: int = 30) -> str:
-    """Returns formatted transaction summary for the LLM prompt."""
     end_date   = date.today()
     start_date = end_date - timedelta(days=days)
 
@@ -85,30 +84,60 @@ def get_transactions(access_token: str, days: int = 30) -> str:
     if not transactions:
         return "No transactions found in the last 30 days."
 
-    # Python does the math — never let the LLM calculate
+    # Separate income and expenses
+    # In Plaid: positive amount = money OUT (debit), negative amount = money IN (credit)
     category_totals: dict[str, float] = {}
+    income_total: float = 0
+    income_sources: list[str] = []
+
     for txn in transactions:
-        if txn['amount'] <= 0:
-            continue   # skip deposits/refunds
+        amount = txn['amount']
+        name = txn['name']
         category = txn.get('personal_finance_category', {}).get('primary', 'OTHER')
-        category_totals[category] = category_totals.get(category, 0) + txn['amount']
 
-    # Format for prompt
+        # Negative amount = money coming IN (income, deposits, refunds)
+        if amount < 0:
+            income_total += abs(amount)
+            income_sources.append(f"{name}: +${abs(amount):.2f}")
+            continue
+
+        # Skip internal transfers between own accounts
+        if category in ['TRANSFER_IN', 'TRANSFER_OUT', 'LOAN_PAYMENTS']:
+            # Check if it looks like payroll
+            name_lower = name.lower()
+            if any(word in name_lower for word in ['payroll', 'salary', 'direct dep', 'employer', 'wages']):
+                income_total += amount
+                income_sources.append(f"{name} (payroll): +${amount:.2f}")
+                continue
+
+        category_totals[category] = category_totals.get(category, 0) + amount
+
     lines = [f"SPENDING SUMMARY (last {days} days):"]
+
+    # Income section
+    if income_total > 0:
+        lines.append(f"\nINCOME RECEIVED: +${income_total:.2f}")
+        for source in income_sources[:3]:
+            lines.append(f"  {source}")
+
+    # Expenses section
+    lines.append("\nEXPENSES BY CATEGORY:")
     for category, total in sorted(category_totals.items(), key=lambda x: -x[1]):
         readable = category.replace("_", " ").title()
         lines.append(f"- {readable}: ${total:.2f}")
 
     lines.append(f"\nTotal spent: ${sum(category_totals.values()):.2f}")
+    
     lines.append(f"\nRECENT TRANSACTIONS (last 10):")
     for txn in transactions[:10]:
+        amount = txn['amount']
+        prefix = "+" if amount < 0 else "-"
         lines.append(
-            f"- {txn['date']}  {txn['name']:<30}  ${txn['amount']:.2f}"
+            f"- {txn['date']}  {txn['name']:<30}  {prefix}${abs(amount):.2f}"
         )
 
     return "\n".join(lines)
 
-
 # ---------- Combined snapshot ----------
 
 def get_financial_snapshot(access_token: str) -> str: