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get_recurring_transactions

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Parameters

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Response

• Active subscriptions with monthly costs
• Active bills (rent, utilities, insurance)
• Other recurring expenses
• Income streams (salary, freelance payments)
• Inactive/cancelled subscriptions
• Monthly totals for expenses and income
• Next payment dates
• Pattern confidence indicators

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Example

{
  "name": "get_recurring_transactions",
  "arguments": {}
}

Recurring Transactions

ACTIVE SUBSCRIPTIONS ($70.97/month):
  • Netflix - $15.99/monthly - Last: 2024-12-01 | Next: 2025-01-01
  • Spotify - $9.99/monthly - Last: 2024-12-05 | Next: 2025-01-05
  • Planet Fitness - $24.99/monthly - Last: 2024-12-10 | Next: 2025-01-10
  • NYTimes Digital - $20.00/monthly - Last: 2024-12-03 | Next: 2025-01-03

ACTIVE BILLS ($1,700.00/month):
  • Rent - $1,500.00/monthly - Last: 2024-12-01 | Next: 2025-01-01
  • Con Edison (varies) - $120.00/monthly - Last: 2024-12-15 | Next: 2025-01-15
  • Verizon FiOS - $80.00/monthly - Last: 2024-12-08 | Next: 2025-01-08

INCOME STREAMS ($5,000.00/month):
  • Salary Deposit - $2,500.00/biweekly - Last: 2024-12-13 | Next: 2024-12-27

INACTIVE (Cancelled):
  • HBO Max - $14.99/monthly - Last: 2024-10-15
  • LA Fitness - $29.99/monthly - Last: 2024-09-01

SUMMARY:
  Total Monthly Recurring Expenses: $1,770.97
  Total Monthly Recurring Income: $5,000.00

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How It Works

• Analyzes all available transaction history (up to 24 months)
• Identifies recurring patterns (minimum 3 occurrences for MATURE status)
• Detects frequency (monthly, weekly, biweekly, annually, etc.)
• Calculates average amounts (handles variable bills)
• Tracks active vs inactive status using is_active field
• Predicts next payment dates
• Categorizes by type (subscriptions, bills, income)

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Pattern Confidence

• MATURE: 3+ transactions on regular cadence (high confidence)
• EARLY_DETECTION: Less than 3 occurrences (new pattern, marked with [new pattern])
• TOMBSTONED: Was early detection but stopped (shown as inactive)

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Smart Categorization

• Subscriptions: Entertainment, streaming, software, gym memberships
• Bills: Rent, utilities, insurance, loan payments
• Other Expenses: Regular purchases that don’t fit standard categories
• Income: Salary, freelance, regular deposits

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Variable Amounts

• Shows average amount across history
• Displays “(varies)” indicator
• Includes last transaction date

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Use Cases

• “What subscriptions am I paying for?”
• “What are my recurring bills?”
• “Do I have any forgotten subscriptions?”
• “How much do I spend on recurring expenses?”
• “Did I cancel my gym membership?”
• “Show my recurring income”

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Notes

• No date parameters needed - Plaid analyzes everything automatically
• Perfect for finding forgotten subscriptions
• More transaction history = better pattern detection
• Uses is_active field (not status) to determine if stream is still active