Skill: zhenstaff/personal-cfo (version 1.0.0)

--- name: personal-cfo description: AI-powered personal finance management system - track expenses, manage budgets, analyze spending patterns, and get smart financial recommendations tags: [finance, personal-finance, budget, expense-tracker, budget-management, financial-analytics, money-management, ai-finance] --- # Personal CFO Your AI-powered Chief Financial Officer for personal finance management. ## Installation ### Step 1: Install the Skill ```bash clawhub install personal-cfo ``` ### Step 2: Install the CLI Tool **Via npm (Recommended)** ```bash npm install -g openclaw-personal-cfo ``` **Via GitHub** ```bash git clone https://github.com/ZhenRobotics/openclaw-personal-cfo.git cd openclaw-personal-cfo npm install npm run build ``` ### Step 3: Verify Installation ```bash cfo help ``` --- ## When to Use This Skill **AUTO-TRIGGER** when user's message contains: - Keywords: `budget`, `expense`, `income`, `finance`, `spending`, `money`, `financial`, `预算`, `支出`, `收入`, `财务` - Asks about tracking expenses or managing money - Wants to analyze spending patterns - Needs financial recommendations - Requests budget reports or summaries **TRIGGER EXAMPLES**: - "Track my expenses" - "I spent $50 on food today" - "What's my monthly budget status?" - "Show me my spending analysis" - "帮我记录今天的支出" - "我的预算还剩多少？" **DO NOT USE** when: - Only general financial advice (use general knowledge) - Stock/crypto trading (use specialized tools) - Tax calculation (use tax tools) --- ## Core Features Complete personal finance management solution: - 💰 **Transaction Tracking** - Record income and expenses with 15+ categories - 📊 **Budget Management** - Set and monitor budgets by category and period - 📈 **Financial Analytics** - Analyze spending patterns and trends - 💡 **Smart Recommendations** - AI-powered financial suggestions - 📄 **Reports Generation** - Monthly and yearly financial reports - 🔒 **Privacy-First** - Local JSON storage, no cloud required --- ## Agent Usage Guide ### Important Notes Personal CFO uses local JSON storage at `~/openclaw-personal-cfo/data/` by default. All commands are available through three CLI aliases: - `openclaw-personal-cfo` (full name) - `personal-cfo` (simplified) - `cfo` (short alias) ### Primary Commands #### Add Transaction **Add Income**: ```bash cfo add income <amount> <category> [description] ``` **Add Expense**: ```bash cfo add expense <amount> <category> [description] ``` **Example**: ```bash cfo add income 5000 salary "Monthly salary" cfo add expense 50 food "Lunch at restaurant" ``` #### List Transactions ```bash cfo list [limit] ``` Default shows last 10 transactions. #### Set Budget ```bash cfo budget set <category> <amount> <period> ``` **Example**: ```bash cfo budget set food 500 monthly cfo budget set entertainment 200 monthly ``` #### Check Budget Status ```bash cfo budget status ``` Shows all budgets with current spending and status (safe/warning/exceeded). #### Generate Reports **Monthly Report**: ```bash cfo report monthly [year] [month] ``` **Yearly Report**: ```bash cfo report yearly [year] ``` **Financial Analysis**: ```bash cfo analyze ``` Provides comprehensive analysis with recommendations. --- ## Categories ### Income Categories - `salary` - Regular employment income - `freelance` - Freelance/contract work - `investment` - Investment returns - `gift` - Gifts and red envelopes - `other-income` - Other income sources ### Expense Categories - `food` - Food and dining - `housing` - Rent, mortgage, utilities - `transportation` - Transit, fuel, car maintenance - `entertainment` - Movies, games, hobbies - `healthcare` - Medical expenses - `utilities` - Electricity, water, internet - `shopping` - Clothing, electronics - `education` - Books, courses, tuition - `travel` - Trips and vacations - `other-expense` - Other expenses --- ## Budget Periods - `daily` - Daily budget - `weekly` - Weekly budget - `monthly` - Monthly budget (most common) - `yearly` - Annual budget --- ## Usage Examples ### Example 1: Daily Expense Tracking User: "I spent $50 on lunch and $30 on coffee today" Agent executes: ```bash cfo add expense 50 food "Lunch" cfo add expense 30 food "Coffee" ``` ### Example 2: Monthly Budget Setup User: "Set monthly budget: $500 food, $200 entertainment, $1000 housing" Agent executes: ```bash cfo budget set food 500 monthly cfo budget set entertainment 200 monthly cfo budget set housing 1000 monthly ``` ### Example 3: Financial Analysis User: "How am I doing financially this month?" Agent executes: ```bash cfo analyze ``` Shows spending breakdown, budget status, and recommendations. ### Example 4: Generate Report User: "Show me my financial report for January 2026" Agent executes: ```bash cfo report monthly 2026 1 ``` --- ## Data Storage ### Default Location - Transactions: `~/openclaw-personal-cfo/data/transactions.json` - Budgets: `~/openclaw-personal-cfo/data/budgets.json` - Config: `~/openclaw-personal-cfo/data/config.json` ### Custom Data Directory Set custom location via environment variable: ```bash export CFO_DATA_DIR="/path/to/custom/data" ``` --- ## Technical Specifications - **Platform**: Node.js >= 18.0.0 - **Language**: TypeScript - **Storage**: JSON files (local) - **Currency**: USD (default), configurable - **Date Format**: ISO 8601 --- ## Programmatic Usage Personal CFO can also be used as a library: ```typescript import { PersonalCFO } from 'openclaw-personal-cfo'; const cfo = new PersonalCFO(); // Add transaction await cfo.transactions.createTransaction( 'expense', 'food', 50, 'Lunch', new Date() ); // Set budget await cfo.budgets.createBudget('food', 500, 'monthly'); // Generate report const report = await cfo.reports.generateMonthlyReport(2026, 1); console.log(report); ``` --- ## Troubleshooting ### Issue 1: Command Not Found **Error**: `command not found: cfo` **Solution**: ```bash npm install -g openclaw-personal-cfo ``` ### Issue 2: Data Directory Permission **Error**: `EACCES: permission denied` **Solution**: ```bash mkdir -p ~/openclaw-personal-cfo/data chmod 755 ~/openclaw-personal-cfo/data ``` ### Issue 3: Invalid Category **Error**: `Invalid category` **Solution**: Check available categories with: ```bash cfo help ``` --- ## Agent Behavior Guidelines When using this skill, agents should: **DO**: - ✅ Parse user input for amounts, categories, and descriptions - ✅ Confirm transactions before adding them - ✅ Provide clear summaries after operations - ✅ Suggest budget setup for new users - ✅ Offer insights from analysis **DON'T**: - ❌ Make financial decisions without user confirmation - ❌ Modify existing transactions without permission - ❌ Share financial data externally - ❌ Assume currency (always confirm if unclear) --- ## Privacy & Security - 🔒 All data stored locally - 🔒 No cloud sync or external API calls - 🔒 No tracking or analytics - 🔒 User controls all data - 🔒 Open source, auditable code --- ## Full Documentation - **GitHub**: https://github.com/ZhenRobotics/openclaw-personal-cfo - **NPM**: https://www.npmjs.com/package/openclaw-personal-cfo - **Quick Start**: See README.md in repository - **API Docs**: See docs/ directory in repository --- ## Version History ### v1.0.0 (2026-03-08) Initial release with core features: - Transaction tracking (income/expense) - Budget management - Financial analytics engine - Report generation - CLI interface - OpenClaw agent integration --- **Project Status**: ✅ Production Ready **License**: MIT **Author**: @ZhenStaff **Support**: https://github.com/ZhenRobotics/openclaw-personal-cfo/issues **ClawHub**: https://clawhub.ai/ZhenStaff/personal-cfo


Security scan verdicts — ClawScan: clean | static analysis: clean | VirusTotal: clean | SkillSpector: clean (LOW)