Finance Tracker

Track personal expenses with natural language. Log spending, view reports, search transactions. Works with any AI model.

Security Scan

The skill mostly matches a local personal finance CLI (reads/writes ~/.finance-tracker) but there are unexplained discrepancies—notably claims of live rates and 'automatic sync' without declared credentials or visible network behavior, and several large files (bin/finance, lib/currency.py, lib/insights.py) were not shown — review those before installing.

Purpose & Capability

Name/description (personal expense tracker) lines up with code that parses expenses, stores transactions, reports, recurring items and goals. The code writes to ~/.finance-tracker which is appropriate for this purpose. However SKILL.md promises 'live exchange rates' and the storage module header promises 'automatic sync' — neither of which are justified by the declared requirements (no env vars, no API keys) and the shown storage implementation is purely local. That mismatch is worth investigating.

Instruction Scope

SKILL.md instructs only local CLI usage (add, report, recurring process). It asks users to run 'finance recurring process' daily or in a heartbeat. The instructions do not request reading unrelated system files or secrets. However they imply network activity (live exchange rates, cached every 6 hours) and automatic sync; the SKILL.md does not disclose what external endpoints are contacted or whether any data is uploaded, so the runtime scope is partially underspecified.

Install Mechanism

Registry metadata lists no install spec but the package contains code and a sizeable CLI bin script (bin/finance ~19 KB). There is no formal install script shown here (only a 'clawdhub install' suggestion and adding the bin to PATH). That inconsistency is notable: a packaged skill with executable code usually needs an install mechanism or dependency instructions; package.json references Python >=3.8 but SKILL.md does not enumerate dependencies to install. The lack of an explicit install mechanism or dependency steps increases risk because the CLI entrypoint (bin/finance) could perform network calls or run other actions when invoked or installed.

Credentials

The skill declares no required environment variables or credentials, which is reasonable for a purely local tracker. But features that imply external access (live exchange rates, 'automatic sync') normally require network endpoints or API keys—none are declared. This mismatch could mean the implementation uses unauthenticated public APIs, or that network/telemetry code is hidden in omitted files. Also package.json lists a GitHub homepage even though the catalog metadata shows none — minor inconsistency.

Persistence & Privilege

The skill does persistent storage under the user's home directory (~/.finance-tracker) and does not request elevated OS privileges or system-wide configuration changes. It is not always: true and does not declare forced installation. Writing to a dotfolder is expected for this type of tool.

What to consider before installing

This package appears to be a normal local CLI expense tracker, but there are important gaps you should check before installing or giving it autonomous access: 1) Inspect bin/finance, lib/currency.py and lib/insights.py — these large files likely contain the CLI entrypoint and any networking/telemetry logic. Look for HTTP requests or remote endpoints, API keys, or telemetry. 2) Confirm how 'live exchange rates' are fetched and whether any API keys or third-party services are contacted; if an API key is required, the skill should declare it. 3) Verify what 'automatic sync' means and where data is synced — do not enable automatic remote sync without understanding the destination and privacy policy. 4) If you want to be cautious, run the CLI in a restricted environment (container or VM) first, or inspect the code and run static checks. 5) Backup or inspect ~/.finance-tracker before running to avoid accidental overwrites. If you can provide the contents of bin/finance, lib/currency.py, and lib/insights.py (or confirm they have no network calls), I can re-evaluate with higher confidence.

Finance Tracker v2.0

Complete personal finance management. Track expenses, recurring subscriptions, savings goals, multi-currency support, and smart insights.

Installation

clawdhub install finance-tracker

Or add to PATH:

export PATH="$PATH:/path/to/finance-tracker/bin"

Quick Start

# Log an expense
finance add 50k "lunch at cafe"

# Log with currency conversion
finance add $20 "online purchase"

# See what you spent
finance report week

# Get smart insights
finance insights

---

Core Commands

Add Expenses

finance add <amount> "<description>"

Amount formats:

• 50000 — plain number
• 50k — with k suffix (= 50,000)
• $50 — USD, auto-converts to your currency
• €100 — EUR
• 100 USD — explicit currency

Examples:

finance add 50000 "lunch"
finance add 50k "groceries"
finance add $25 "Netflix subscription"

Undo & Edit

# Remove last transaction
finance undo

# Edit a transaction
finance edit <id> --amount=60000
finance edit <id> --desc="dinner with friends"
finance edit <id> --category=food

# Delete specific transaction
finance delete <id>

View & Search

finance report [period]    # today, week, month, year, all
finance recent [n]         # last n transactions
finance search "food"      # search by keyword

---

🔄 Recurring Expenses

Track subscriptions and bills that repeat automatically.

Add Recurring

finance recurring add <amount> "<description>" <frequency> [--day=N]

Frequencies: daily, weekly, biweekly, monthly, quarterly, yearly

Examples:

finance recurring add 110k "mobile provider" monthly --day=1
finance recurring add 50k "Netflix" monthly
finance recurring add 200k "gym membership" monthly --day=15

Manage Recurring

finance recurring              # List all
finance recurring list         # Same as above
finance recurring due          # Show what's due today
finance recurring process      # Auto-log all due expenses
finance recurring remove <id>  # Deactivate

How It Works

• Recurring expenses track their next due date
• Run finance recurring process daily (or in heartbeat) to auto-log
• Each logged expense appears in your regular transactions
• Monthly totals shown in the recurring report

---

🎯 Savings Goals

Set targets and track progress towards financial goals.

Add Goals

finance goal add "<name>" <target> [--by=DATE] [--current=X]

Examples:

finance goal add "New Laptop" 5000000 --by=2026-06-01
finance goal add "Emergency Fund" 10000000
finance goal add "Vacation" 3000000 --by=2026-08-01 --current=500000

Track Progress

# Add to goal (increment)
finance goal update "Laptop" 500k

# Set exact amount
finance goal set "Laptop" 2000000

# View all goals
finance goal
finance goal list

Goal Features

• Deadline tracking — shows days remaining
• Daily/weekly/monthly targets — how much to save to hit deadline
• Priority levels — high, medium, low
• Completion tracking — celebrate when you hit targets!

---

💱 Multi-Currency

Automatic currency conversion with live exchange rates.

View Rates

finance rates              # Show all common rates
finance rates USD          # Specific currency rate
finance rates EUR

Convert

finance convert 100 USD UZS
finance convert 50 EUR USD

Auto-Conversion in Expenses

# These auto-convert to your default currency (UZS)
finance add $50 "Amazon purchase"
finance add €30 "App subscription"
finance add 100 USD "Online course"

Set Default Currency

finance currency         # Show current
finance currency USD     # Change default

Rate caching: Rates refresh every 6 hours automatically.

---

💡 Smart Insights

AI-powered spending analysis and alerts.

finance insights    # Full insights report
finance summary     # Quick daily summary
finance digest      # Weekly digest

What Insights Shows

• Spending velocity — daily/weekly/monthly averages
• Period comparison — this week vs last week
• Category changes — which categories went up/down
• Anomaly detection — unusually large expenses flagged
• Goal progress — how much to save daily
• Recurring due — subscriptions due today

Example Output

💡 Smart Insights
━━━━━━━━━━━━━━━━━━━━━

📈 Spending Velocity
   Daily avg: 85,000 UZS
   This month so far: 1,200,000 UZS
   Projected month total: 2,550,000 UZS

📊 This Week vs Last Week
   📈 Spending UP 23%
   This week: 595,000 UZS
   Last week: 484,000 UZS

🏷️ Notable Category Changes
   🍔 food: ↑ 45%
   🚗 transport: ↓ 20%

⚠️ Alerts
   • Unusually large expense: 350,000 on electronics

🎯 Savings Goals
   Need to save: 50,000 UZS/day
   Next deadline: Laptop in 45 days

---

Income & Assets

Log Income

finance income 5000000 "salary"
finance income 500k "freelance project"

Income types auto-detected: salary, freelance, business, investment, gift

Manage Assets

finance asset add "Bank Account" 10000000 cash
finance asset add "Stocks" 5000000 stocks
finance asset add "Bitcoin" 2000000 crypto
finance asset remove "Old Account"
finance asset list
finance portfolio          # Net worth summary

Asset types: cash, stocks, crypto, realestate, savings, investments

---

Analysis

finance trends [days]      # Spending patterns over time
finance compare [days]     # Compare current vs previous period
finance budget <daily>     # Check against daily budget

Budget Check

finance budget 100k

Shows:

• Today's spending vs budget
• Week's spending vs weekly budget (7x daily)
• Remaining amounts
• Over-budget warnings

---

Categories

Auto-detected from description:

Category	Keywords
🍔 Food	lunch, dinner, cafe, restaurant, grocery
🚗 Transport	taxi, uber, bus, metro, fuel
🛍️ Shopping	clothes, shoes, shopping
📱 Tech	phone, laptop, headphones
🎮 Entertainment	movie, game, netflix, spotify
📚 Education	book, course, school
💊 Health	medicine, pharmacy, doctor, gym
🏠 Home	rent, utility, furniture, internet
💇 Personal	haircut, barber, salon
🎁 Gifts	gift, present
✈️ Travel	travel, flight, hotel
🔄 Subscriptions	subscription, monthly, plan

---

Data Storage

All data stored locally in ~/.finance-tracker/:

~/.finance-tracker/
├── transactions.json     # All expenses
├── FINANCE_LOG.md        # Human-readable log
├── portfolio.json        # Assets
├── income.json           # Income records
├── recurring.json        # Recurring expenses
├── goals.json            # Savings goals
└── exchange_rates.json   # Cached rates

Export

finance export csv
finance export json

---

Telegram Integration

For quick logging in chat, common patterns:

"spent 50k lunch" → finance add 50000 "lunch"
"taxi 15k"        → finance add 15000 "taxi"
"coffee 8k"       → finance add 8000 "coffee"

Heartbeat Integration

Add to your HEARTBEAT.md for automated processing:

## Finance (daily)
- Run: finance recurring process
- Run: finance summary

---

Complete Command Reference

EXPENSES:
  finance add <amt> "<desc>"        Log expense
  finance undo                      Remove last
  finance edit <id> [--amount=X]    Edit transaction
  finance delete <id>               Delete transaction
  finance report [period]           Spending report
  finance recent [n]                Recent transactions
  finance search "<query>"          Search

RECURRING:
  finance recurring                 List all
  finance recurring add ...         Add subscription
  finance recurring remove <id>     Remove
  finance recurring process         Log due items
  finance recurring due             Show due today

GOALS:
  finance goal                      List goals
  finance goal add "<name>" <target> [--by=DATE]
  finance goal update "<name>" <amt>
  finance goal set "<name>" <amt>
  finance goal remove "<name>"

CURRENCY:
  finance rates [currency]          Exchange rates
  finance convert <amt> <from> <to>
  finance currency [code]           Get/set currency

INCOME & ASSETS:
  finance income <amt> "<desc>"
  finance asset add/remove/list
  finance portfolio

ANALYSIS:
  finance insights                  Smart analysis
  finance summary                   Daily summary
  finance digest                    Weekly digest
  finance trends [days]
  finance compare [days]
  finance budget <daily>

OTHER:
  finance categories
  finance export [csv|json]
  finance help

---

Tips

1. Use 'k' for thousands — 50k is faster than 50000
2. Currency prefix — $50 auto-converts
3. Daily recurring check — run finance recurring process in heartbeat
4. Weekly insights — run finance digest for summaries
5. Goal tracking — update goals when you save money
6. Budget alerts — run finance budget 100k to stay on track

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Made with 🦞 by Salen