Add money: statement-driven personal finance tracker

A data directory holds one folder per account. Statements dropped into
those folders are parsed into a rebuildable SQLite index, categorised by
ordered glob rules in rules.toml, and browsed or hand-tagged in a Bubble
Tea TUI. Movements between the user's own accounts are marked as
transfers by the same rules and excluded from spending totals.

Manual tags and transfer marks are stored separately from the rule-derived
ones and always win, so editing rules.toml and re-running retag never
destroys hand edits.

Parsers are pluggable. Three are ported from the Python extractors they
replace -- nlb and traderepublic read PDFs via pdftotext -layout, revolut
reads the CSV export -- alongside a configurable-column CSV parser and a
cmd parser that shells out to an external script.

Both ports fix two latent bugs in the originals: the sign character class
rejected the typographic minus U+2212 that some PDF fonts emit, and NLB's
hardcoded continuation indent broke when pdftotext compressed runs of
spaces, so the threshold is now measured from the description column.

Co-Authored-By: Claude Opus 5 <noreply@anthropic.com>

internal/parser/csv_test.go

@@ -0,0 +1,112 @@
+package parser
+
+import (
+	"os"
+	"path/filepath"
+	"testing"
+
+	"git.petrovv.com/nikola/money/internal/config"
+)
+
+func writeFile(t *testing.T, name, content string) string {
+	t.Helper()
+	path := filepath.Join(t.TempDir(), name)
+	if err := os.WriteFile(path, []byte(content), 0o644); err != nil {
+		t.Fatal(err)
+	}
+	return path
+}
+
+func TestCSVSignedAmountColumn(t *testing.T) {
+	path := writeFile(t, "st.csv", `Date,Ref,Description,Amount
+02.01.2026,X1,LIDL SOFIA 1234,"-45,20"
+03.01.2026,X2,ACME PAYROLL,"1.500,00"
+
+04.01.2026,X3,COFFEE,"-3,50"
+`)
+	acc := &config.Account{Slug: "checking", Currency: "EUR", Parser: "csv", CSV: &config.CSVConfig{
+		SkipRows:    1,
+		Date:        config.Column{Col: 0, Layout: "02.01.2006"},
+		Description: config.Column{Col: 2},
+		Amount:      &config.Column{Col: 3, Decimal: ",", Thousands: "."},
+	}}
+	p, err := For(acc)
+	if err != nil {
+		t.Fatal(err)
+	}
+	got, err := p.Parse(path, acc)
+	if err != nil {
+		t.Fatal(err)
+	}
+	want := []RawTxn{
+		{Date: "2026-01-02", Description: "LIDL SOFIA 1234", AmountMinor: -4520},
+		{Date: "2026-01-03", Description: "ACME PAYROLL", AmountMinor: 150000},
+		{Date: "2026-01-04", Description: "COFFEE", AmountMinor: -350},
+	}
+	if len(got) != len(want) {
+		t.Fatalf("got %d txns, want %d: %+v", len(got), len(want), got)
+	}
+	for i := range want {
+		if got[i] != want[i] {
+			t.Errorf("txn %d = %+v, want %+v", i, got[i], want[i])
+		}
+	}
+}
+
+func TestCSVDebitCreditPair(t *testing.T) {
+	path := writeFile(t, "st.csv", `2026-02-01;RENT;800.00;
+2026-02-05;SALARY;;2500.00
+`)
+	acc := &config.Account{Slug: "checking", Currency: "EUR", Parser: "csv", CSV: &config.CSVConfig{
+		Delimiter:   ";",
+		Date:        config.Column{Col: 0, Layout: "2006-01-02"},
+		Description: config.Column{Col: 1},
+		Debit:       &config.Column{Col: 2},
+		Credit:      &config.Column{Col: 3},
+	}}
+	p, err := For(acc)
+	if err != nil {
+		t.Fatal(err)
+	}
+	got, err := p.Parse(path, acc)
+	if err != nil {
+		t.Fatal(err)
+	}
+	if len(got) != 2 {
+		t.Fatalf("got %d txns, want 2: %+v", len(got), got)
+	}
+	if got[0].AmountMinor != -80000 {
+		t.Errorf("debit row = %d, want -80000", got[0].AmountMinor)
+	}
+	if got[1].AmountMinor != 250000 {
+		t.Errorf("credit row = %d, want 250000", got[1].AmountMinor)
+	}
+}
+
+func TestCSVConfigErrors(t *testing.T) {
+	cases := map[string]*config.Account{
+		"no csv section": {Slug: "a", Parser: "csv"},
+		"no amount columns": {Slug: "a", Parser: "csv", CSV: &config.CSVConfig{
+			Date: config.Column{Layout: "2006-01-02"},
+		}},
+		"amount and debit together": {Slug: "a", Parser: "csv", CSV: &config.CSVConfig{
+			Date:   config.Column{Layout: "2006-01-02"},
+			Amount: &config.Column{Col: 1},
+			Debit:  &config.Column{Col: 2},
+		}},
+		"no date layout": {Slug: "a", Parser: "csv", CSV: &config.CSVConfig{
+			Amount: &config.Column{Col: 1},
+		}},
+	}
+	for name, acc := range cases {
+		if _, err := For(acc); err == nil {
+			t.Errorf("%s: expected an error", name)
+		}
+	}
+}
+
+func TestUnknownParser(t *testing.T) {
+	if _, err := For(&config.Account{Slug: "a", Parser: "nope"}); err == nil {
+		t.Error("expected an error for an unregistered parser")
+	}
+}