siddharthd
d6b4ec84f6
Four related fixes to spend correctness.
Balance assertions. Nothing checked that a statement's transactions add up to
its closing balance. getStatements now computes opening + movement - closing
and the statements page flags any statement that does not reconcile. Sign
depends on what the balance means: on a credit card or loan it is what you owe,
so spending increases it; on a transaction or offset account it is what you
hold. 11 statements currently fail, $4,177 unexplained - including two adjacent
ANZ statements off by exactly +/-$230.38, a transaction filed against the wrong
one.
Category normalisation (migration 0015). Categories arrive from Gemini (which
writes straight to Postgres from N8N), CSV import and manual edits, so the rule
belongs in the database - same reasoning as normalize_statement_type in 0013.
Adds normalize_category(), triggers on transactions and transaction_overrides,
and CHECK constraints. Backfilled 122 rows: 19 'payment' ($42,569) to transfers,
14 'refund' recovered to the merchant's usual category, and title-case duplicates
folded into their canonical spelling - 'Shopping' and 'shopping' had been
counted as separate categories by every GROUP BY.
Refund netting. Monthly analytics counted only debits, so a refund was counted
nowhere: excluded from spend by type, and not income by category. A $2,888.92
Expedia purchase refunded in full eight days later still read as $2,888.92 of
spend. SPEND_SIGNED and NET_SPEND_ROWS bring refunds in as negatives; 'income'
joins the excluded categories so incoming money cannot leak in as negative
spend. $36,773 across 93 rows now nets correctly.
Drill-down share. The insights drill-down used my_share_percent ?? 100, which
ignored transaction_splits entirely and repeated the bug fixed in ab00f8c one
layer up. getTransactions now returns my_share_pct and my_amount resolved
server-side, and the table shows gross alongside your share.
15 KiB
Europe 2026 — Expense Report
Trip: 22 days · Mar 21 – Apr 12, 2026
Route: Rome → Venice → Ortisei (Dolomites) → Varenna (Lake Como) → St Moritz → Lucerne → Paris
Group: 5 travellers — Siddharth & Meghalee (Melbourne), Molina, Sibnath & Rumna (Delhi)
Data: 212 tagged transactions across all cards
Group Breakdown — AU vs India
The two groups fly different routes and airlines. Everything else (accommodation, trains, on-trip spending) is shared across all 5 travellers.
| AU Group (Siddharth + Meghalee) | India Group (Molina + Sibnath + Rumna) | |
|---|---|---|
| Flights | $2,164 | $6,151 |
| Share of shared costs | $12,577 | $18,866 |
| Group total | $14,741 | $25,017 |
| Per person | $7,371 | $8,339 |
Shared costs (accommodation + trains + all on-trip): $31,443
Apportioned 2:3 by headcount — AU group (2 pax) = 40% · India group (3 pax) = 60%
| Scenario | Amount |
|---|---|
| Total trip | $39,757 |
| Excl. all flights | $31,443 |
| Excl. AU flights only (what India group is responsible for) | $37,593 |
| Excl. India flights only (what AU group is responsible for) | $33,607 |
Australia group flights: China Eastern MEL→PVG→FCO × 2 ($1,885) + Qatar cancellation fee ($279) = $2,164
India group flights: ITA Airways DEL→FCO × 3 (Azwebin, $2,696) + Air India CDG→DEL→GAU × 3 ($3,454) = $6,151
India group flights are ~3× the AU group total despite flying a similar number of legs — driven by 3 pax vs 2, plus the ITA outbound on top of Air India return.
Overall Summary
| AUD | |
|---|---|
| Gross charged | $42,696.73 |
| Refunds received | −$2,939.22 |
| Net total spend | $39,757.51 |
| Phase | Net Spend | % of Total |
|---|---|---|
| Pre-trip bookings | $23,730.02 | 60% |
| On-trip (22 days) | $16,027.49 | 40% |
On-trip daily average: $729/day for the group · $146/person/day
Refunds & Cancellations
| Merchant | Charged | Refunded | Net | Detail |
|---|---|---|---|---|
| Qatar Airways | $2,396.90 | −$2,118.10 | $278.80 | Cancelled. Replaced with China Eastern MEL→PVG→FCO. |
| Luxury Escapes | $3,283.80 | −$820.95 | $2,462.85 | Partial refund on Paris Adagio Montmartre. |
| FreeNow | $43.32 | −$0.17 | $43.15 | Hold reversal. |
Pre-Trip Bookings — $23,730 net
Flights
| Carrier | Passengers | Gross | Refund | Net |
|---|---|---|---|---|
| ITA Airways (via Azwebin) | Delhi group (3) DEL → FCO | $2,696.34 | — | $2,696.34 |
| Air India | Delhi group (3) CDG → DEL → GAU (return) | $3,454.32 | — | $3,454.32 |
| China Eastern | Siddharth MEL → PVG → FCO | $849.05 | — | $849.05 |
| China Eastern | Meghalee MEL → PVG → FCO | $849.05 | — | $849.05 |
| China Eastern (ancillary) | Seat/baggage fees | $187.14 | — | $187.14 |
| Qatar Airways | Siddharth + Meghalee (cancelled) | $2,396.90 | −$2,118.10 | $278.80 |
| Flights total | $10,432.80 | −$2,118.10 | $8,314.70 |
ITA Airways (billed as Azwebin Fiumicino) — 3 outbound tickets Delhi → Rome plus 3 sets of ancillary fees, all charged Jan 17.
Qatar was booked first (Jan 17) and then cancelled; refund of $2,118.10 processed Mar 24 (during Rome stay). Net cancellation penalty: $278.80. China Eastern replaced it at $1,885.24 total — slightly cheaper.
Accommodation
| Property | Destination | Nights | Booked via | Net Cost |
|---|---|---|---|---|
| Fontana di Trevi area (Vrbo HA-XTP24R) | Rome | 4 | Vrbo | $2,221.66 |
| Apartment Moro 4 — Rialto | Venice | 3 | Direct | $1,410.11 |
| 174A Apartments Murata | Ortisei | 4 | Muse Holiday | $1,815.06 |
| In the heart of Varenna (Vrbo HA7B9C9J) | Varenna | 2 | Vrbo | $2,274.46 |
| Cozy Central Duplex | St Moritz | 2 | Agoda | $2,560.45 |
| Hotel Luzernerhof | Lucerne | 3 | Agoda | $1,930.07 |
| Adagio Paris Montmartre | Paris | 4 | Luxury Escapes | $2,745.24 |
| Accommodation total | 22 nights | $14,957.05 |
Paris: Luxury Escapes $3,283.80 − $820.95 refund + $282.39 extra charge = $2,745.24 net.
Average cost per night (5 pax): $680 · per person per night: $136
Pre-booked Transport
| Date | Merchant | Route | Amount |
|---|---|---|---|
| Jan 26 | Trenitalia (Frecciarossa Business) | Rome → Venice (5 pax) | $468.55 |
| Mar 4 | Rail Europe | Various European routes | $372.40 |
| Total | $840.95 |
On-Trip Spending — $16,027 net
By Destination
| Destination | Dates | Net Spend | Txns | Daily Avg |
|---|---|---|---|---|
| Rome (inc. transit days Mar 19–20) | Mar 19–24 | $2,955 | 46 | $493 |
| Venice | Mar 25–27 | $960 | 21 | $320 |
| Ortisei / Dolomites | Mar 28–31 | $3,595 | 19 | $899 |
| Varenna / Lake Como | Apr 1–2 | $863 | 16 | $432 |
| St Moritz | Apr 3–4 | $355 | 10 | $178 |
| Lucerne | Apr 5–7 | $3,422 | 22 | $1,141 |
| Paris | Apr 8–12 | $3,878 | 46 | $970 |
| Total on-trip | 22 days | $16,027 | 180 | $729 |
Rome & Transit (Mar 19–24) — $2,955
Mar 19–20 (transit via Shanghai → Milan → Rome):
- Glovo Milan × 4 deliveries: $93 — feeding the group across airport transit days
- Shanghai Sunny restaurant: $16 (CNY 78)
- Todis Roma groceries: $55 (manual, likely night of arrival)
On ground in Rome:
| Category | Key Items | Total |
|---|---|---|
| Dining | Lione 21 EUR 90 ($148) · Suresh EUR 52 ($85) · Glovo × 4 ($179) · Faro Café ($40) · Bap Vaschette ($29) · various | ~$780 |
| Transport | FreeNow × 2 ($43) · Uber × 6 ($151) · ATAC bus ($2) · Radiotaxi ($11) | ~$210 |
| Travel | Trenitalia local ($23) · Roma Termini station tickets EUR 300 ($493) · Trenitalia EUR 275 ($452) · Trenitalia EUR 165 ($274) | ~$1,242 |
| Entertainment | St Peter's Basilica tickets: $58 | $58 |
| Groceries | Todis × 2 ($12) · F.Lli Casali ($17) · SumUp ($12) | $41 |
| Shopping | Scudieri International Florence EUR 51: $84 | $84 |
| Cash | Mar 21 cash transactions lump sum | $337 |
Florence day trip (Mar 22): Trenitalia tickets $452 + $274 bought at Roma Termini ($493) and online, plus Scudieri shopping EUR 51. The two large Trenitalia charges on Mar 22–23 suggest additional train legs beyond Rome–Venice (possibly Florence or Naples day trip and ticket changes).
Venice (Mar 25–27) — $960
| Item | Amount |
|---|---|
| Water taxi Ferrovia → accommodation | $79 |
| Caffe Rialto Venezia (dinner) | $109 |
| Fresh pasta restaurant (Sum Dal) | $96 |
| Baci Pasta | $70 |
| Dolcemente Salato (pastries/café) | $67 |
| Farini Pizza × 3 visits | $92 |
| Tvm Rialto Diretti 2 — shopping EUR 125 | $209 |
| Muse Holiday extra charge EUR 60 | $100 |
| Uber × 2 | $48 |
| Despar groceries | $19 |
| Gelatoteca Suso + Bar Americano | $17 |
| Pasticceria Ballarin + Bar Filovia × 2 | $28 |
Grand Canal water taxi arrival ($79) was the planned "wow moment". Tvm Rialto Diretti 2 (EUR 125) — likely Murano glass or quality Venetian craft souvenirs, the largest single on-trip discretionary purchase outside of gear/activities.
Ortisei / Dolomites (Mar 28–31) — $3,595
The most expensive on-trip leg. Five major items account for $2,857 of it:
| Item | Amount | Detail |
|---|---|---|
| Erich Perathon (gear shop, Val Gardena) | $1,477 | EUR 880 — outdoor/ski clothing or equipment in Santa Cristina |
| Funivie Seceda cable car | $441 | EUR 236+27 — the centrepiece cable car to 2,519m above Ortisei |
| Trenitalia Venice → Bolzano (5 pax) | $528 | EUR 259.50 + EUR 55 split across two bookings |
| Taxi Demez Gregor (into valley) | $238 | EUR 142 — private taxi from Bolzano to Ortisei (no public option for 5 with bags) |
| Funivia Lagazuoi, Cortina | $222 | EUR 132.50 — Cortina d'Ampezzo day trip cable car |
| Despar Dolomiti (groceries) | $201 | EUR 97.59 + EUR 22.30 across two shops |
| Ristorante Meuble Pont, Cortina | $180 | EUR 107.50 — group dinner on Cortina day trip |
| Turonda Pizza Ortisei | $93 | |
| Istanbul Kebab + Buffet Bolzano × 2 | $111 | Transit + local meals |
| Lago di Braies chocolate stop | $21 | |
| Café Adler + Caffe Corso | $34 |
Varenna / Lake Como (Apr 1–2) — $863
| Item | Amount |
|---|---|
| Taxi Demez Gregor (out of valley) | $239 |
| Trenitalia (onward journey) | $101 |
| Pizza e Sfizi × 2 dinners | $113 |
| Mr Panino Bellagio (lunch) | $67 |
| Bernasconi Claudia Varenna | $55 |
| Varenna 1 shop EUR 55 | $92 |
| Valli Mara Bellagio souvenirs | $71 |
| Bistro di Corti × 2 | $50 |
| Lake Bakery × 2 | $30 |
| Ristorante Liberty, Tirano | $44 |
| Groceries (Despar, Macelleria × 2) | $49 |
| Gelato + bakery | $28 |
Bellagio day trip from Varenna was a highlight — lunch at Mr Panino, ice cream at Gilardoni Stefania, souvenirs.
Taxi Demez again for the exit from Val Gardena (charged Apr 1, same driver/company as arrival).
St Moritz (Apr 3–4) — $355
Almost entirely self-catered:
| Item | Amount |
|---|---|
| Coop supermarket (big shop) | $114 |
| Pizzaway × 2 orders | $89 |
| Bäckerei Bad × 3 visits | $58 |
| Coop (additional) | $14 |
| Bus und Service | $22 |
| Taxi St Moritz CHF 30 | $55 |
| SBB WC | $3 |
Despite being the highest accommodation cost per night ($1,280/night), almost nothing was spent on-trip. The group self-catered using Coop and relied on the bakery.
Lucerne (Apr 5–7) — $3,422
Three large purchases dominate:
| Item | Amount | Detail |
|---|---|---|
| Rail Europe (last-minute) | $1,526 | EUR 911.95 — Swiss Travel Pass or multi-city rail tickets; bought while already in Lucerne |
| Daytrip.com private tour | $1,078 | EUR 642 — private guided day tour (description: "Prague" but likely Rhine Falls or day excursion from Lucerne) |
| Rigi Bahnen (cog railway) | $844 | CHF 461.60 — historic Rigi mountain railway, 5 pax round trip (charged Apr 10 but relates to Lucerne stay) |
| Hotel Rigi Kaltbad dining | $47 | Lunch at mountain hotel summit |
| Rigi Dorfladen shop | $37 | CHF 20 at Rigi summit village |
| Uber Eats | $94 | CHF 51.23 |
| WAL*TENZ GMBH Zurich | $82 | CHF 45.10 — dining/café in Zurich |
| QUZGYXOO-2 | $150 | CHF 82.50 — unidentified Lucerne charge |
| GO4T Luzern | $114 | CHF 62.40 — likely a guided activity or boat tour |
| Amorino Gelato + Alpineum Café | $51 | |
| Juice Paradise bubble tea | $29 | |
| SBB toilets × 4 | $11 | CHF 1.50 each — Swiss public toilets |
The Rail Europe purchase last-minute cost $1,526 vs booking pre-trip where Swiss Travel Passes are generally cheaper. Worth pre-purchasing on future Swiss trips.
Paris (Apr 8–12) — $3,878
The return leg via Basel with 4 nights in Paris:
Transit Basel (Apr 8): Bahn Mi Pho CHF 69 ($126) + McDonald's CHF 51 ($93) + Weber1s bagels ($66) + Kaffeemacher coffee ($17) + Confiseur Bachmann ($22) + Acento Argentino ($26) = $350 in Basel for the group during travel day
Paris spending:
| Item | Amount | Detail |
|---|---|---|
| Viator/TripAdvisor guided tour | $296 | USD 203.70 — skip-the-line or guided Versailles/Paris tour |
| Palace of Versailles tickets | $292 | Full group |
| Louvre Museum tickets | $277 | Full group |
| Adagio Paris hotel extra charge | $282 | EUR 169 — extra night or room upgrade |
| FC Soleil restaurant | $207 | EUR 125 — group dinner |
| Uber airport transfer (Apr 12) | $126 | EUR 75.98 — departure to CDG |
| Deliveroo × 2 | $123 | EUR 52.49 + EUR 21.90 |
| Yak and Yeti restaurant | $83 | EUR 49.90 |
| Uber Eats | $65 | |
| Wild Deer restaurant | $64 | EUR 38.20 |
| Uber trips × 5 | $192 | Multiple rides across Paris |
| Fric Frac Montmartre | $55 | EUR 33 |
| Mitao | $56 | |
| Navigo transit pass | $61 | Group metro/bus |
| Little Versailles coffeeshop | $36 | |
| Pain Pain bakery × 2 | $29 | |
| Sarl by Orsel (groceries) × 2 | $35 | |
| Various small | $49 |
Museums + guided tour = $865 on Paris attractions (Versailles, Louvre, Viator).
Uber was heavily used in Paris — 5+ trips totalling $254 including the CDG airport transfer.
Spend by Category (Net)
| Category | Net Spend | Txns | Notes |
|---|---|---|---|
| Travel | $31,290 | 51 | Flights, accommodation, trains, cable cars |
| Dining | $4,241 | 95 | 95 restaurant/café/delivery transactions |
| Transport | $2,636 | 35 | Uber, taxis, buses, metro passes |
| Shopping | $2,053 | 6 | Erich Perathon $1,477 + Venice/Varenna/Florence |
| Entertainment | $698 | 4 | Versailles, Louvre, Basilica, Bellagio souvenirs |
| Groceries | $589 | 15 | Despar, Coop, Todis, Macelleria |
| Other (net) | −$1,751 | 4 | Qatar refund exceeds "other" debits |
| Uncategorised | $42 | 2 | Residual |
| Total | $39,757 | 212 |
The negative "Other" figure reflects the Qatar Airways refund ($2,118) offsetting the ITA/Azwebin ancillary fees charged in the same category.
Top 15 On-Trip Transactions
| Date | Merchant | AUD | Category |
|---|---|---|---|
| Mar 28 | Erich Perathon, Val Gardena | $1,477 | Shopping — EUR 880 gear |
| Apr 6 | Rail Europe | $1,526 | Travel — EUR 912 rail passes |
| Apr 7 | Daytrip.com | $1,078 | Transport — EUR 642 private tour |
| Apr 10 | Rigi Bahnen | $844 | Travel — CHF 462 mountain railway |
| Mar 22 | Roma Termini (train tickets) | $493 | Travel — EUR 300 |
| Mar 22 | Trenitalia | $452 | Travel — EUR 275 |
| Mar 28 | Trenitalia | $435 | Travel — EUR 260 |
| Mar 30 | Funivie Seceda | $396 | Travel — EUR 236 cable car |
| Apr 9 | Viator/TripAdvisor | $296 | Travel — USD 204 Paris tour |
| Apr 8 | Palace of Versailles | $292 | Entertainment |
| Apr 10 | Adagio Paris extra | $282 | Travel |
| Apr 8 | Louvre Museum | $277 | Entertainment |
| Mar 23 | Trenitalia | $274 | Travel — EUR 165 |
| Mar 21 | Cash transactions (Rome) | $337 | Various |
| Apr 1 | Taxi Demez Gregor | $239 | Transport — EUR 142 |
Key Observations
Flight changes cost $278.80. Qatar was booked first (Jan 17, $2,396.90) and later cancelled; the refund of $2,118.10 came through during the Rome stay on Mar 24. China Eastern (MEL→PVG→FCO) replaced it at $1,885.24 — marginally cheaper but via Shanghai with a longer travel time.
60% of spend was locked in before leaving Australia. Pre-trip bookings (flights for all 5, accommodation across 7 cities, and pre-purchased trains) totalled $23,730 vs $16,027 spent on the ground.
Dolomites was the most expensive on-trip leg despite only 4 days — Erich Perathon EUR 880 gear purchase in Val Gardena accounts for $1,477 alone. Without it, Dolomites would be the cheapest destination per day.
Rail spend ballooned in Lucerne. Rail Europe EUR 912 ($1,526) bought last-minute in Lucerne was the single largest on-trip travel cost. Swiss Travel Passes are considerably cheaper when purchased outside Switzerland before travel.
Dining: 95 transactions, $4,241 net. The group averaged $193/day on food across 22 days ($39/person/day). Glovo delivery was the primary dining mode during transit days and in Rome (10+ orders). Paris had the most sit-down restaurant spending — FC Soleil EUR 125, Yak and Yeti EUR 50, plus multiple delivery orders.
St Moritz: highest accommodation cost, lowest on-trip spend. Agoda charged $2,560 for 2 nights but the group spent only $355 on-trip — almost entirely groceries and the local bakery.
Paris Uber spend: $254 across 6+ trips including a $126 CDG airport transfer (EUR 76). Combined with 2 Deliveroo orders and Uber Eats, rideshare/delivery accounted for ~$380 of Paris on-trip costs.