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feat: add savings opportunity detection engine#881

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Mohye24k wants to merge 1 commit intorohitdash08:mainfrom
Mohye24k:fix/issue-119-savings-detect
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feat: add savings opportunity detection engine#881
Mohye24k wants to merge 1 commit intorohitdash08:mainfrom
Mohye24k:fix/issue-119-savings-detect

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/claim #119
Recurring review, high-spend categories, small purchase aggregation. 4 tests.
Fixes #119

Co-Authored-By: Claude Opus 4.6 (1M context) <noreply@anthropic.com>
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Savings opportunity detection engine

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