Should you build your own Copilot Money?

Build me a personal finance dashboard to replace Copilot Money. Requirements:

- Local web app: Node + Express + better-sqlite3, charts with Chart.js, no
  build step.
- No bank APIs: I drop CSV exports from my banks into imports/, a chokidar
  watcher ingests new files using per-bank column maps in mappings.json,
  and rows dedupe on a date+amount+description hash.
- Categorization: ordered regex rules in rules.json run first; unmatched
  transactions land in a review page where one click assigns a category and
  offers to save the pattern as a new rule. Optional LLM fallback, key in
  .env.
- Dashboard: current month spend by category against per-category budgets,
  a 12-month trend line, and top merchants.
- Recurring detection: the same merchant at roughly monthly intervals gets
  flagged as a subscription and listed with its annual cost. This list
  alone tends to pay for the build.
- Accounts and net worth: monthly balance snapshots per account, plotted
  over time.
- Everything local in one SQLite file, localhost only, no telemetry; note
  in the README that the optional LLM call sends transaction text out, skip
  it if that bothers me.
- Out of scope: automatic bank sync (Plaid needs approval and per-connection
  fees) and investment tracking; CSV import is the honest personal version.
- README: how to add a new bank's CSV mapping.