Module bank 

The money watch (docs/accounting.md, “The bank”): your bank’s own export (OFX, CAMT.053, or its CSV) read into sioul-bank.toml, then held against the recurring payments of your budgets. Nobody looks when it goes badly (the ostrich effect, Olafsson & Pagel 2017), and a debit that stops does not say so: Sioul notices, and says it calmly and early.

• Missed: a payment expected (rent, a standing order, wages) that did not pass in the days around its date.
• Changed: one that passed with another amount.
• Short: the balance, carried forward with what is expected, would go below zero on a day; how much is missing then, and the reserve that covers it.

No red balance, no “late” badge: a sentence, and what to do about it.

Structs

Account

An account as kept: its last balance known.

Bank

What sioul-bank.toml holds.

Columns 🔒

A CSV’s columns, found by their names.

Expected

One payment expected ahead.

Imported

What an import added.

Movement

One movement of an account: money in positive, out negative.

Statement

What an export says.

Watch

The watch: its findings, the balance known, the days ahead.

Enums

Finding

What the watch found, each said in a sentence by the window.

Constants

MANIFEST

Functions

carry 🔒

The balance from start on as_of, carried day by day with flows, as seen from today to horizon; and the first day from today it goes below floor with a payment out: that day, the flow that takes it there, the balance then.

expected 🔒

What is expected on an account from as_of to horizon: its movements read after the balance, then the recurring payments and planned lines of budgets (every budget’s when None) not seen yet, daily spending spread over its days; in date order.

fnv 🔒

matches 🔒

Whether a movement stands for a payment expected on date: a word of the payment’s name in the movement’s, or the same amount within days.

parse_amount

An amount as banks write it: “-62,00”, “1 234,56”, “1,234.56”, “+780.00 EUR”, “(62.00)”.

parse_date

A date as banks write it: “20261002”, “2026-10-02”, “02/10/2026”, “02.10.2026”, “02/10/26”.

parse_date_ordered 🔒

The same, the month first when month_first (“10/13/2026”, as PayPal’s American download writes it).

path 🔒

The element down names, by local names (namespaces aside).

read

Reads an export, whatever its form. words: a CSV’s column names, the statuses of rows left out, the lines above its header (words::BankWords).

read_camt 🔒

ISO 20022 camt.053: booked entries, and the closing booked balance. A file may hold several statements (one a day): every one of the first one’s account is read, and the newest closing balance kept.

read_csv 🔒

A bank’s CSV, PayPal’s and Stripe’s too: the header row found by its words (date, label or name, amount or net, or debit and credit), ; or ,, decimal commas; a balance written above it read too (as some French banks write it: “Solde (EUROS) ;1 234,56” under “Date ;03/10/2026”), or one on each row (PayPal). Net amounts, fees deducted, when given; rows in another currency than most of the file’s, and those refused, cancelled or pending, left out.

read_ofx 🔒

OFX, SGML (1.x) or XML (2.x): tags read in order, closing tags or not.

signed 🔒

An amount with its side: a debit (DBIT) negative.

text_at 🔒

The text of the element down names; none when it holds only spaces (the line break before a child, as in <Sts> around its <Cd> from camt.053.001.08 on).

watch

Holds the movements against the ledger’s recurring payments and planned lines, their labels compared without filler (words::BankWords::filler).

words 🔒

The words of a label that can name a payment: folded, three letters at least, no number, none of filler: the words that name nothing, “the”, “pour”, and what every bank line says (“PRLV SEPA”, “CARTE”, “VIREMENT”; words::BankWords::filler). “Choir, the year’s fee” is not “CB BAKERY OF THE PORT”.

Type Aliases

XmlNode 🔒