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BytesAgain โ€บ Skills โ€บ Openclaw Skill
๐Ÿฆ€ ClawHub

Openclaw Skill

by @zhenstaff

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

Versionv1.0.0
Downloads797
Starsโญ 1
#finance#legal#productivity
TERMINAL
clawhub install personal-cfo

๐Ÿ“– About This Skill

name: personal-cfo description: AI-powered personal finance management system - track expenses, manage budgets, analyze spending patterns, and get smart financial recommendations tags: [finance, personal-finance, budget, expense-tracker, budget-management, financial-analytics, money-management, ai-finance]

Personal CFO

Your AI-powered Chief Financial Officer for personal finance management.

Installation

Step 1: Install the Skill

clawhub install personal-cfo

Step 2: Install the CLI Tool

Via npm (Recommended)

npm install -g openclaw-personal-cfo

Via GitHub

git clone https://github.com/ZhenRobotics/openclaw-personal-cfo.git
cd openclaw-personal-cfo
npm install
npm run build

Step 3: Verify Installation

cfo help

When to Use This Skill

AUTO-TRIGGER when user's message contains:

  • Keywords: budget, expense, income, finance, spending, money, financial, ้ข„็ฎ—, ๆ”ฏๅ‡บ, ๆ”ถๅ…ฅ, ่ดขๅŠก
  • 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"
  • "ๅธฎๆˆ‘่ฎฐๅฝ•ไปŠๅคฉ็š„ๆ”ฏๅ‡บ"
  • "ๆˆ‘็š„้ข„็ฎ—่ฟ˜ๅ‰ฉๅคšๅฐ‘๏ผŸ"

    • 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:

  • ๐Ÿ’ฐ Transaction Tracking - Record income and expenses with 15+ categories
  • ๐Ÿ“Š Budget Management - Set and monitor budgets by category and period
  • ๐Ÿ“ˆ Financial Analytics - Analyze spending patterns and trends
  • ๐Ÿ’ก Smart Recommendations - AI-powered financial suggestions
  • ๐Ÿ“„ Reports Generation - Monthly and yearly financial reports
  • ๐Ÿ”’ 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: 

    cfo add income   [description]

    Add Expense: 

    cfo add expense   [description]

    Example: 

    cfo add income 5000 salary "Monthly salary"
cfo add expense 50 food "Lunch at restaurant"

    #### List Transactions

    cfo list [limit]

    Default shows last 10 transactions.

    #### Set Budget

    cfo budget set

    Example: 

    cfo budget set food 500 monthly
cfo budget set entertainment 200 monthly

    #### Check Budget Status

    cfo budget status

    Shows all budgets with current spending and status (safe/warning/exceeded).

    #### Generate Reports

    Monthly Report: 

    cfo report monthly [year] [month]

    Yearly Report: 

    cfo report yearly [year]

    Financial Analysis: 

    cfo analyze

    Provides comprehensive analysis with recommendations.

    Categories

    Income Categories

  • salary - Regular employment income
  • freelance - Freelance/contract work
  • investment - Investment returns
  • gift - Gifts and red envelopes
  • other-income - Other income sources

    • Expense Categories

  • food - Food and dining
  • housing - Rent, mortgage, utilities
  • transportation - Transit, fuel, car maintenance
  • entertainment - Movies, games, hobbies
  • healthcare - Medical expenses
  • utilities - Electricity, water, internet
  • shopping - Clothing, electronics
  • education - Books, courses, tuition
  • travel - Trips and vacations
  • other-expense - Other expenses

    • 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: 

    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: 

    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: 

    cfo analyze

    Shows spending breakdown, budget status, and recommendations.

    Example 4: Generate Report

    User: "Show me my financial report for January 2026"

    Agent executes: 

    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: 

    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:

    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: 

    npm install -g openclaw-personal-cfo

    Issue 2: Data Directory Permission

    Error: EACCES: permission denied

    Solution: 

    mkdir -p ~/openclaw-personal-cfo/data
chmod 755 ~/openclaw-personal-cfo/data

    Issue 3: Invalid Category

    Error: Invalid category

    Solution: Check available categories with: 

    cfo help

    Agent Behavior Guidelines

    When using this skill, agents should:

    DO:

  • โœ… Parse user input for amounts, categories, and descriptions
  • โœ… Confirm transactions before adding them
  • โœ… Provide clear summaries after operations
  • โœ… Suggest budget setup for new users
  • โœ… Offer insights from analysis

    • DON'T:

  • โŒ Make financial decisions without user confirmation
  • โŒ Modify existing transactions without permission
  • โŒ Share financial data externally
  • โŒ Assume currency (always confirm if unclear)

    • Privacy & Security

  • ๐Ÿ”’ All data stored locally
  • ๐Ÿ”’ No cloud sync or external API calls
  • ๐Ÿ”’ No tracking or analytics
  • ๐Ÿ”’ User controls all data
  • ๐Ÿ”’ 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: โœ… Production Ready

    License: MIT

    Author: @ZhenStaff

    Support: https://github.com/ZhenRobotics/openclaw-personal-cfo/issues

    ClawHub: https://clawhub.ai/ZhenStaff/personal-cfo

    ๐Ÿ“‹ Tips & Best Practices

    Issue 1: Command Not Found

    Error: command not found: cfo

    Solution: 

    npm install -g openclaw-personal-cfo

    Issue 2: Data Directory Permission

    Error: EACCES: permission denied

    Solution: 

    mkdir -p ~/openclaw-personal-cfo/data
chmod 755 ~/openclaw-personal-cfo/data

    Issue 3: Invalid Category

    Error: Invalid category

    Solution: Check available categories with: 

    cfo help