Yoge-2004/expense-intelligence-model

Expense Intelligence Model

Production-ready financial transaction classification and auxiliary intelligence suite for the Expense Tracker System.

Model Overview

• —Architecture: Dual-Gram TF-IDF Vectorizer (Word 1-2 grams + Char-WB 3-5 grams, 200,000 max features) coupled with Calibrated Multiclass SAGA Logistic Regression.
• —Inference Speed: Under 5ms per transaction on standard CPU.
• —Accuracy: 99.30% overall test accuracy (99.32% Macro-F1) across 240,000+ holdout transactions.
• —India Holdout: 98.85% accuracy (98.96% Macro-F1) on Indian banking and UPI transactions.

Supported Canonical Categories

1. 1.food_dining
2. 2.transportation
3. 3.shopping_retail
4. 4.entertainment_recreation
5. 5.healthcare_medical
6. 6.utilities_services
7. 7.financial_services
8. 8.income
9. 9.government_legal
10. 10.charity_donations

Auxiliary Artifacts Included

• —models/category-tfidf/: Primary category classifier
• —models/merchant-similarity/: Normalized merchant similarity search index
• —models/duplicate-similarity/: Near-duplicate transaction detection model
• —reports/: Complete validation and test metrics across countries (India, USA, UK, Canada, Australia)
• —manifest.json: Full training provenance, environment, and quality gate scores