DoctorClaw Expense Tracker

Expense tracker — log expenses, categorize by type, track against budget, flag overspending. Monthly cron or on-demand.

Security Scan

The skill's instructions, required artifacts, and behaviors are coherent with an expense-tracking tool — nothing requested or described is disproportionate to its stated purpose.

Purpose & Capability

Name/description (expense logging, budgeting, reports) match the SKILL.md steps (log, categorize, track budgets, generate monthly reports). Optional integrations (Google Sheets, bank CSVs, Plaid, Telegram) are reasonable extensions of an expense tracker and are described as optional.

Instruction Scope

The runtime instructions direct the agent to read/write an expense log (CSV or Google Sheet), append entries, save monthly reports to memory/expenses/YYYY-MM.md, and send reports to configured channels. Those actions are expected for this skill but involve handling potentially sensitive financial data and configuring scheduled reports (cron). The SKILL.md does not instruct the agent to read unrelated system files or environment variables.

Install Mechanism

No install spec or code files are present (instruction-only). Nothing is written to disk by an installer and no external packages are pulled by the skill itself.

Credentials

The skill declares no required environment variables or credentials, which is consistent for an instruction-only skill. However, several optional features (Plaid, Google Sheets API, Telegram/Discord delivery) will require credentials if the user enables them; the SKILL.md does not list those env vars explicitly. Expect to provide API keys/credentials when you enable those integrations.

Persistence & Privilege

always is false. The skill describes scheduling monthly reports (cron) and saving reports to agent memory; that implies recurring autonomous activity if the platform allows scheduling. This is reasonable for an expense reporter but you should confirm what scheduling privileges the agent will actually have and what data is persisted in agent memory.

Assessment

This skill appears to do what it says: log expenses, auto-categorize, track budgets, and send/save monthly reports. Before installing, decide where you want the canonical expense log to live (local CSV vs Google Sheet) and prefer manual CSV/bank exports if you don't want to grant API access (Plaid, Google Sheets, Telegram). If you enable integrations, only provide the minimum credentials needed and review where reports and receipt images will be stored (memory/expenses/...). Confirm how scheduling works on your agent platform so you know when the skill will run autonomously, and avoid granting broad system-level access (like server cron or filesystem access) unless you trust the environment.

Expense Tracker

Know where your money goes. This skill logs your business expenses, categorizes them automatically, tracks spending against your budget, and flags when you're overspending in any category — so tax time is easy and budget surprises are rare.

Run it monthly for a full report, or log expenses on the fly throughout the month.

What You Get

• Expenses logged and categorized by type (software, marketing, travel, meals, etc.)
• Budget tracking with real-time remaining balance per category
• Overspending alerts when you approach or exceed budget limits
• Monthly expense report with totals, trends, and top categories
• Tax-ready categorization for easy handoff to your accountant
• Receipt/note attachment for each expense entry

Setup

Required

• Expense log — A CSV file, Google Sheet, or any structured list your agent can read and write to. Columns: date, description, amount, category, notes.

Optional (but recommended)

• Budget file — Monthly budget with limits per category (if not set, the agent will track without limits)
• Bank/card integration — connect to Plaid, bank CSV exports, or credit card statements for auto-import
• Receipt storage — folder for receipt photos/PDFs referenced by expense entries
• Delivery channel — Telegram/Discord for budget alerts and monthly reports

Configuration

Tell your agent:

1. Expense log location — file path or Google Sheet URL
2. Budget limits — monthly budget per category (e.g., Software: $200, Marketing: $500)
3. Categories — your expense categories (defaults: Software/SaaS, Marketing, Travel, Meals, Office, Professional Services, Education, Miscellaneous)
4. Alert threshold — when to warn about overspending (default: 80% of category budget)
5. Report schedule — when to generate monthly report (default: 1st of each month)
6. Currency — your currency (default: USD)
7. Tax categories — map your categories to tax deduction types if needed

How It Works

Step 1: Log Expenses

When user says "log an expense" or provides expense info:

• Parse: amount, description, date (default: today), category (auto-detect or ask)
• Auto-categorize based on description keywords:
  • "Slack", "Notion", "AWS", "subscription" → Software/SaaS
  • "Facebook ads", "Google ads", "sponsorship" → Marketing
  • "flight", "hotel", "Uber", "gas" → Travel
  • "lunch", "dinner", "coffee", "restaurant" → Meals
  • "office supplies", "desk", "monitor" → Office
  • "lawyer", "accountant", "consultant" → Professional Services
  • "course", "book", "conference" → Education
• Append to expense log with timestamp
• Show running total for the category this month

Step 2: Track Against Budget

For each category with a budget limit:

• Calculate: spent this month, remaining budget, percentage used
• If approaching threshold (80%): send a warning
• If exceeded: send an alert with amount over budget

Step 3: Generate Monthly Report

🧾 Expense Report — [Month Year]

💵 MONTHLY SUMMARY
Total spent: $[X] | Budget: $[X] | Remaining: $[X]
[X]% of total budget used

📊 BY CATEGORY
| Category           | Spent    | Budget   | Remaining | Status |
|---|---|---|---|---|
| Software/SaaS      | $420     | $500     | $80       | 🟡 84% |
| Marketing          | $1,200   | $1,500   | $300      | 🟡 80% |
| Travel             | $350     | $400     | $50       | 🟡 88% |
| Meals              | $180     | $300     | $120      | 🟢 60% |
| Office             | $0       | $200     | $200      | 🟢 0%  |
| Professional Svcs  | $500     | $500     | $0        | 🔴 100%|
| Education          | $49      | $200     | $151      | 🟢 25% |
| Miscellaneous      | $75      | $100     | $25       | 🟡 75% |

⚠️ ALERTS
• Professional Services at 100% — $500 of $500 used
• Travel at 88% — only $50 remaining
• Software approaching limit — $80 remaining

📋 TOP EXPENSES THIS MONTH
1. Marketing consultant — $500 (Professional Svcs)
2. Facebook Ads — $600 (Marketing)
3. Google Ads — $400 (Marketing)
4. Flight to NYC — $280 (Travel)
5. Annual Notion plan — $120 (Software)

📈 TRENDS
• Spending is [up/down] [X]% vs last month
• Largest increase: [category] (+$[X])
• Under budget in [X] of [X] categories

Step 4: Deliver & Archive

• Send monthly report via configured channel
• Save to memory/expenses/YYYY-MM.md for historical reference
• Export expense data in CSV format for accountant if requested

Examples

User: "Log $49 for Notion annual plan"

Agent:

Logged: $49.00 — Notion annual plan Category: Software/SaaS (auto-detected) Software budget: $420 of $500 used (84%) — $80 remaining

User: "How am I doing on my budget this month?"

Agent runs the report and responds with the full monthly summary.

User: "Export my expenses for tax prep"

Agent: Exports a CSV with all expenses categorized by tax deduction type, ready for the accountant.

---

User: "Set up monthly expense reports on the 1st"

Agent: Configures cron for the 1st of each month at 9:00 AM, confirms:

"Monthly expense report scheduled for the 1st of each month. I'll summarize your spending, flag any overages, and send it to your Telegram."

Customization Ideas

• Receipt OCR — scan receipt photos and auto-extract amount, vendor, date
• Recurring expense tracking — auto-log subscriptions and recurring charges
• Multi-currency support — convert expenses in different currencies
• Profit & loss — combine with invoice tracker for a simple P&L statement
• Quarterly tax estimates — calculate estimated quarterly tax payments based on expenses
• Team expense approval — if you have employees, review and approve their expense submissions

Want More?

This skill handles expense logging and budget tracking. But if you want:

• Custom integrations — connect to QuickBooks, Wave, Plaid, or your bank for automatic transaction import
• Advanced automations — auto-categorize from bank feeds, generate P&L statements, calculate tax estimates
• Full system setup — identity, memory, security, and 5 custom automations built specifically for your workflow

DoctorClaw sets up complete OpenClaw systems for businesses:

• Guided Setup ($495) — 2-hour live walkthrough. Everything configured, integrated, and running by the end of the call.
• Done-For-You ($1,995) — 7-day custom build. 5 automations, 3 integrations, full security, 30-day support. You do nothing except answer a short intake form.

→ doctorclaw.ceo