Bill Tracker

---

name: bill-tracker description: Access Bill Tracker financial data - upcoming bills, account balances, and affordability checks. metadata: {"openclaw":{"requires":{"env":["BILL_TRACKER_URL","BILL_TRACKER_SESSION_TOKEN"]},"primaryEnv":"BILL_TRACKER_SESSION_TOKEN","emoji":"💰"}}

---

Bill Tracker Skill

When the user asks about their bills, account balances, or whether they can afford something, use the bash tool to call the Bill Tracker API.

Required environment

BILL_TRACKER_URL - Base URL (e.g. https://your-server.com or http://localhost:1337)

BILL_TRACKER_SESSION_TOKEN - Session token for authentication (obtained once via POST /api/mcp/token)

Getting a session token

Bill Tracker uses magic-link auth (no passwords). Two steps:

1. Request a verification code (sent to email):

curl -s -X POST -H "Content-Type: application/json" \
  -d '{"email":"user@example.com"}' \
  "${BILL_TRACKER_URL}/api/mcp/request-code"

2. Exchange the code from your email for a session token:

curl -s -X POST -H "Content-Type: application/json" \
  -d '{"code":"123456"}' \
  "${BILL_TRACKER_URL}/api/mcp/token"

Store the returned sessionToken in BILL_TRACKER_SESSION_TOKEN. Tokens are long-lived; no need to re-verify on every request. (Codes expire in 10 minutes.)

Endpoints

1. Upcoming transactions (bills and income due soon)

POST ${BILL_TRACKER_URL}/api/mcp/upcoming-transactions
X-Parse-Session-Token: ${BILL_TRACKER_SESSION_TOKEN}
Body: { "days": 3 }

Default days is 3. Increase for a longer window (e.g. days=7).

2. Account balances

POST ${BILL_TRACKER_URL}/api/mcp/account-balances
X-Parse-Session-Token: ${BILL_TRACKER_SESSION_TOKEN}

Returns each account with name, type, balance, and a totalBalance (cash minus debt).

3. Can I afford X?

POST ${BILL_TRACKER_URL}/api/mcp/can-afford
X-Parse-Session-Token: ${BILL_TRACKER_SESSION_TOKEN}
Body: { "amount": 500, "horizonDays": 90 }

Replace 500 with the amount in dollars. horizonDays defaults to 90.

Returns either canAfford: true with the date they can afford it, or canAfford: false with a message.

How to call

Use curl with POST. Pass X-Parse-Session-Token (or Authorization: Bearer $BILL_TRACKER_SESSION_TOKEN) for authentication. The token identifies the user—no email or password needed. Parse the JSON response and summarize clearly for the user.

Example (upcoming transactions):

curl -s -X POST -H "X-Parse-Session-Token: $BILL_TRACKER_SESSION_TOKEN" -H "Content-Type: application/json" \
  -d '{"days": 3}' \
  "${BILL_TRACKER_URL}/api/mcp/upcoming-transactions"

Example (account balances):

curl -s -X POST -H "X-Parse-Session-Token: $BILL_TRACKER_SESSION_TOKEN" -H "Content-Type: application/json" \
  -d '{}' \
  "${BILL_TRACKER_URL}/api/mcp/account-balances"

Example (can afford):

curl -s -X POST -H "X-Parse-Session-Token: $BILL_TRACKER_SESSION_TOKEN" -H "Content-Type: application/json" \
  -d '{"amount": 500}' \
  "${BILL_TRACKER_URL}/api/mcp/can-afford"