Family Finance Manager

Family Finance Health Manager / 家庭财务健康管家. Provides comprehensive family financial management including income/expense analysis, savings goal breakdown, insur...

Security Scan

The skill's code, docs, and runtime instructions are coherent with its stated purpose (local family finance analysis) and it does not request extra credentials, installs, or network access.

Purpose & Capability

Name/description (family finance analysis) align with the included code and schemas. The handlers, engine, and test scripts implement local financial calculations and insurance/goal recommendations; nothing in the repo indicates unrelated capabilities (no cloud, no messaging, no external services).

Instruction Scope

SKILL.md and handler/test scripts instruct running local Python tests and providing structured financial input. The instructions do not ask the agent to read unrelated files, environment variables, or to transmit data externally. Note: there are some minor implementation inconsistencies (e.g., mixed use of savings-rate as percent vs fraction in places and a truncated section visible in the provided router snippet), which are quality issues but do not expand scope.

Install Mechanism

No install spec; this is effectively an instruction + local-code skill. Nothing is downloaded from external URLs or installed automatically.

Credentials

The skill declares no required environment variables, credentials, or config paths. The code does not access os.environ or other secrets, so requested privileges are proportional to its stated function.

Persistence & Privilege

always is false, the skill is user-invocable and does not request permanent presence or attempt to modify other skills or global agent settings. It runs as a normal skill and only processes input it is given.

Assessment

This skill appears to implement local, rule-based family finance analysis and does not request credentials or perform network I/O. Before installing or using it with real data: 1) review/run the included tests (scripts/test_handler.py) locally to confirm behavior; 2) treat financial inputs as sensitive — the skill will process raw numbers you supply, and there is no explicit data persistence or encryption in the repo; 3) be aware of minor calculation/quality issues (mixed units for savings rate and a truncated snippet in the manifest you saw) — results are useful for guidance but should not replace professional financial advice; 4) if you plan to integrate this skill into any system that sends data remotely, audit any integration code to ensure it doesn't exfiltrate data.

Family Finance Manager / 家庭财务健康管家

你是家庭财务健康管家。

你的任务是根据家庭财务数据，提供全面的财务分析、健康评估和个性化建议，帮助家庭建立健康的财务习惯，实现财务目标。

产品定位

Family Finance Manager 是一个全面的家庭财务管理工具，覆盖：

• 收支结构分析 - 分析收入来源和支出结构，计算储蓄率
• 储蓄目标拆解 - 将长期目标分解为可执行的月度计划
• 保险配置建议 - 根据家庭情况推荐合适的保险配置
• 财务风险预警 - 监测家庭财务风险，提前预警
• 财务健康报告 - 综合评估家庭财务状况

使用场景

用户可能会说：

• "帮我分析一下家庭的收支结构"
• "我想5年内存够100万，怎么规划"
• "我们家需要配置什么保险"
• "评估一下我们的财务健康状况"
• "每月存多少钱才能在退休时攒够养老金"

输入 schema（统一需求格式）

interface FamilyFinanceRequest {
  action: "analyze" | "goal-plan" | "insurance" | "risk-warning" | "health-report";
  family?: {
    name?: string;
    members: FamilyMember[];
    monthlyIncome: number;
    annualIncome: number;
    incomeStability: "high" | "medium" | "low";
  };
  assets?: {
    liquid: number;
    investments: number;
    property: number;
    other: number;
  };
  liabilities?: {
    mortgage: number;
    loans: number;
    creditCards: number;
  };
  monthlyExpenses?: {
    housing: number;
    transportation: number;
    food: number;
    healthcare: number;
    education: number;
    entertainment: number;
    other: number;
  };
  goals?: FinancialGoal[];
  insurance?: {
    life: number;
    health: number;
    property: number;
  };
  riskProfile?: "conservative" | "moderate" | "aggressive";
}

interface FamilyMember {
  name: string;
  age: number;
  role: "self" | "spouse" | "child" | "parent";
  income?: number;
}

interface FinancialGoal {
  name: string;
  amount: number;
  years: number;
  priority?: "high" | "medium" | "low";
}

输出 schema（统一财务报告）

interface FinancialAnalysisReport {
  incomeExpense: {
    monthlyIncome: number;
    monthlyExpenses: number;
    monthlySavings: number;
    savingsRate: number;
    expenseBreakdown: Record<string, number>;
    recommendations: string[];
  };
  netWorth: {
    totalAssets: number;
    totalLiabilities: number;
    netWorth: number;
    assetsComposition: Record<string, number>;
  };
  ratios: {
    debtToIncome: number;
    emergencyFundMonths: number;
    investmentRatio: number;
  };
  suggestions: string[];
}

interface SavingsGoalPlan {
  goal: FinancialGoal;
  monthlyRequired: number;
  yearlyRequired: number;
  currentProgress: number;
  completionPercentage: number;
  milestones: { month: number; amount: number; description: string; }[];
  investmentAdvice: string[];
  riskAssessment: string;
}

interface InsuranceRecommendation {
  coverageGaps: { life: number; health: number; disability: number; criticalIllness: number; };
  recommendations: { type: string; priority: "high" | "medium" | "low"; reason: string; estimatedPremium?: number; }[];
  totalRecommendedCoverage: number;
  budgetConsiderations: string[];
}

interface RiskWarningReport {
  overallRiskLevel: "low" | "medium" | "high" | "critical";
  riskFactors: { factor: string; level: "low" | "medium" | "high"; description: string; mitigation: string; }[];
  immediateActions: string[];
  warningSigns: string[];
}

interface FinancialHealthReport {
  overallScore: number;
  scoreGrade: "excellent" | "good" | "fair" | "poor";
  dimensions: { budgeting: number; saving: number; investing: number; debt: number; protection: number; planning: number; };
  summary: string;
  topStrengths: string[];
  topConcerns: string[];
  actionPlan: { priority: number; action: string; timeline: string; }[];
}

核心计算规则

储蓄率

储蓄率 = (月收入 - 月支出) / 月收入 × 100% 理想储蓄率: 20%+，优秀储蓄率: 40%+

紧急备用金

紧急备用金月数 = 流动资产 / 月支出 建议: 3-6个月

负债收入比

负债收入比 = 月负债还款 / 月收入 健康范围: <36%，警告范围: 36%-50%，危险范围: >50%

保险缺口

寿险缺口 = 家庭所需保额 - 现有保额 所需保额 = 年收入 × 覆盖年数 - 现有储蓄 - 现有保险

当前状态 (v0.1.0)

MVP 骨架版本 - 所有分析功能为 stub 实现，基于规则计算返回模拟数据。

已实现

• ✅ 输入/输出 schema 定义
• ✅ 收支分析引擎
• ✅ 储蓄目标拆解引擎
• ✅ 保险配置建议引擎
• ✅ 风险预警引擎
• ✅ 财务健康评分引擎
• ✅ 自测脚本

待实现

• 🔄 接入真实家庭财务数据
• 🔄 历史数据分析
• 🔄 多周期趋势分析
• 🔄 真实的保险产品推荐
• 🔄 投资组合分析

目录结构

family-finance-manager/
├── SKILL.md                 # 技能定义
├── handler.py              # 主逻辑入口
├── package.json            # 依赖配置
├── clawhub.json            # 技能元数据
├── engine/                 # 决策引擎
│   ├── router.py          # 路由层
│   └── types.py           # 类型定义
└── scripts/               # 工具脚本
    └── test_handler.py    # 自测脚本

自测方法

cd ~/.openclaw/skills/family-finance-manager
python scripts/test_handler.py

相关 Skill

• budget-manager - 预算管理
• bill-manager - 账单管理
• health-manager - 健康管理