Personal Finance Advisor

AI-powered personal finance management skill. Provides budgeting, expense tracking, investment portfolio analysis, tax optimization strategies, retirement planning, debt management, and financial goal setting with personalized recommendations.

Comprehensive personal finance management for individuals and families. Covers budgeting, investing, tax planning, debt management, and long-term wealth building.

Usage

finance: analyze my monthly spending from [CSV/Excel file]
finance: review my investment portfolio allocation
finance: calculate tax optimization for 2026
finance: create debt payoff plan for $50,000 at 6.8% APR
finance: project retirement savings with current contribution rate

Execution Flow

1. Expense Analysis — Categorize transactions, identify spending patterns, detect subscription leaks, compare to 50/30/20 rule
2. Budget Builder — Generate personalized budget based on income, fixed expenses, savings goals; zero-based and envelope methods supported
3. Portfolio Review — Asset allocation analysis, fee impact calculation, risk assessment, rebalancing recommendations, tax-loss harvesting opportunities
4. Tax Optimizer — Deduction maximization, retirement account strategy (401k/IRA/Roth), capital gains planning, estimated tax calculation
5. Debt Manager — Avalanche vs. snowball comparison, refinancing analysis, payoff timeline projection
6. Goal Planner — Retirement, education, home purchase, emergency fund — all with Monte Carlo simulation for probability scoring

Output Format

# Personal Finance Report
**Period**: January - May 2026

## Monthly Cash Flow
- Income: $8,500/mo
- Expenses: $6,200/mo
- Savings Rate: 27.1% ✅

## Spending Breakdown
| Category | Amount | % of Income | Status |
|----------|--------|-------------|--------|
| Housing  | $2,200 | 25.9% | Within target |
| Food     | $980   | 11.5% | Within target |
| Transport| $450   | 5.3%  | Within target |
| Subscriptions | $320 | 3.8% | ⚠️ Review (detected 3 unused) |
| Entertainment | $620 | 7.3% | ⚠️ Over budget |

## Portfolio Summary
- Total Value: $145,000
- Allocation: 60% Stocks / 25% Bonds / 10% Cash / 5% Crypto
- YTD Return: +8.3%
- Fee Drag: 0.42% ($609/year)

## Recommendations
1. Cancel 3 unused subscriptions → Save $95/mo
2. Rebalance portfolio: Reduce crypto from 5% to 3%
3. Increase 401k contribution from 8% to 12% → Tax saving $1,200/year
4. Refinance auto loan: 6.8% → 4.2% rate available → Save $1,850 over remaining term

## Financial Health Score: 78/100
✅ Emergency Fund: 6 months (healthy)
⚠️ Debt-to-Income: 32% (elevated)
✅ Retirement Projection: On track for age 62

Notes

• All financial data processed locally; no data sent to external services
• Investment recommendations are educational, not fiduciary advice
• Tax calculations based on 2026 tax code; verify with CPA for complex situations
• CSV/Excel import supports major bank export formats (Chase, Bank of America, Wells Fargo, etc.)