#personal-finance #ai-finance #budget-management #expense-tracker

Openclaw Skill

AI-powered personal finance management system - track expenses, manage budgets, analyze spending patterns, and get smart financial recommendations

Justin Liu@zhenstaff

Install

openclaw skills install @zhenstaff/personal-cfo

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.

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

Openclaw Skill

Install

Personal CFO

Installation

Step 1: Install the Skill

Step 2: Install the CLI Tool

Step 3: Verify Installation

When to Use This Skill

Core Features

Agent Usage Guide

Important Notes

Primary Commands

Add Transaction

List Transactions

Set Budget

Check Budget Status

Generate Reports

Categories

Income Categories

Expense Categories

Budget Periods

Usage Examples

Example 1: Daily Expense Tracking

Example 2: Monthly Budget Setup

Example 3: Financial Analysis

Example 4: Generate Report

Data Storage

Default Location

Custom Data Directory

Technical Specifications

Programmatic Usage

Troubleshooting

Issue 1: Command Not Found

Issue 2: Data Directory Permission

Issue 3: Invalid Category

Agent Behavior Guidelines

Privacy & Security

Full Documentation

Version History

v1.0.0 (2026-03-08)

Openclaw Skill

Install

Personal CFO

Installation

Step 1: Install the Skill

Step 2: Install the CLI Tool

Step 3: Verify Installation

When to Use This Skill

Core Features

Agent Usage Guide

Important Notes

Primary Commands

Add Transaction

List Transactions

Set Budget

Check Budget Status

Generate Reports

Categories

Income Categories

Expense Categories

Budget Periods

Usage Examples

Example 1: Daily Expense Tracking

Example 2: Monthly Budget Setup

Example 3: Financial Analysis

Example 4: Generate Report

Data Storage

Default Location

Custom Data Directory

Technical Specifications

Programmatic Usage

Troubleshooting

Issue 1: Command Not Found

Issue 2: Data Directory Permission

Issue 3: Invalid Category

Agent Behavior Guidelines

Privacy & Security

Full Documentation

Version History

v1.0.0 (2026-03-08)

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