personal-cfo

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

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Install skill "personal-cfo" with this command: npx skills add ZhenStaff/personal-cfo

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, 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:

cfo add income <amount> <category> [description]

Add Expense:

cfo add expense <amount> <category> [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 <category> <amount> <period>

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:

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

DON'T:

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

Privacy & Security

  • 🔒 All data stored locally
  • 🔒 No cloud sync or external API calls
  • 🔒 No tracking or analytics
  • 🔒 User controls all data
  • 🔒 Open source, auditable code

Full Documentation

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: ✅ Production Ready

License: MIT

Author: @ZhenStaff

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

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

Source Transparency

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Open Registry RecordOpen in ClawHub

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