personal-cfo

这段内容是审核时保存的快照。外部来源才是完整且最新的版本。

---
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

```bash
clawhub install personal-cfo
```

### Step 2: Install the CLI Tool

**Via npm (Recommended)**

```bash
npm install -g openclaw-personal-cfo
```

**Via GitHub**

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

### Step 3: Verify Installation

```bash
cfo help
```

---

## When to Use This Skill

**AUTO-TRIGGER** when user's message contains:

- Keywords: `budget`, `expense`, `income`, `finance`, `spending`, `money`, `financial`, `预算`, `支出`, `收入`, `财务`
- 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"
- "帮我记录今天的支出"
- "我的预算还剩多少？"

**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:

- 💰 **Transaction Tracking** - Record income and expenses with 15+ categories
- 📊 **Budget Management** - Set and monitor budgets by category and period
- 📈 **Financial Analytics** - Analyze spending patterns and trends
- 💡 **Smart Recommendations** - AI-powered financial suggestions
- 📄 **Reports Generation** - Monthly and yearly financial reports
- 🔒 **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**:
```bash
cfo add income <amount> <category> [description]
```

**Add Expense**:
```bash
cfo add expense <amount> <category> [description]
```

**Example**:
```bash
cfo add income 5000 salary "Monthly salary"
cfo add expense 50 food "Lunch at restaurant"
```

#### List Transactions

```bash
cfo list [limit]
```

Default shows last 10 transactions.

#### Set Budget

```bash
cfo budget set <category> <amount> <period>
```

**Example**:
```bash
cfo budget set food 500 monthly
cfo budget set entertainment 200 monthly
```

#### Check Budget Status

```bash
cfo budget status
```

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

#### Generate Reports

**Monthly Report**:
```bash
cfo report monthly [year] [month]
```

**Yearly Report**:
```bash
cfo report yearly [year]
```

**Financial Analysis**:
```bash
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)
- `yearl