Tencent SkillHub · Productivity

Budget & Expense Tracker

Track expenses, enforce budgets, detect unusual spending, manage savings goals, and get weekly/monthly financial reports via natural language with your AI ag...

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Track expenses, enforce budgets, detect unusual spending, manage savings goals, and get weekly/monthly financial reports via natural language with your AI ag...

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Target platform: OpenClaw
Install method: Manual import
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Prerequisites: OpenClaw
Primary doc: SKILL.md

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Package format: ZIP package
Source platform: Tencent SkillHub
What's included: README.md, SKILL.md

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Release facts

Source: Tencent SkillHub
Verification: Indexed source record
Version: 1.0.0

Provenance

Publisher: 1kalin
Source page: View original listing
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Documentation

ClawHub primary doc Primary doc: SKILL.md 27 sections Open source page

Budget & Expense Tracker — AI Agent Financial Command Center

Track every dollar, enforce budgets, spot spending patterns, and build wealth — all through natural conversation with your AI agent.

How It Works

You talk to your agent naturally: "I spent $45 on groceries" or "How much did I spend on food this month?" The agent maintains a local JSON ledger, enforces your budgets, and gives you weekly/monthly financial intelligence.

1. Setup — Your Financial Profile

On first use, create budget-profile.json in your workspace: { "currency": "USD", "monthlyIncome": 5000, "payDays": [1, 15], "fiscalMonthStart": 1, "categories": { "housing": { "budget": 1500, "essential": true }, "food": { "budget": 600, "essential": true, "subcategories": ["groceries", "dining", "delivery", "coffee"] }, "transport": { "budget": 300, "essential": true, "subcategories": ["fuel", "public", "rideshare", "parking"] }, "utilities": { "budget": 200, "essential": true, "subcategories": ["electric", "water", "internet", "phone"] }, "health": { "budget": 200, "essential": true, "subcategories": ["gym", "medical", "supplements"] }, "entertainment": { "budget": 200, "essential": false, "subcategories": ["streaming", "games", "events", "hobbies"] }, "shopping": { "budget": 300, "essential": false, "subcategories": ["clothes", "electronics", "home", "gifts"] }, "education": { "budget": 100, "essential": false, "subcategories": ["books", "courses", "subscriptions"] }, "savings": { "budget": 500, "essential": true, "target": "emergency-fund" }, "misc": { "budget": 100, "essential": false } }, "alerts": { "budgetWarning": 0.75, "budgetCritical": 0.90, "unusualSpend": 2.0, "dailyMax": 200 }, "goals": [] } Customize categories, budgets, and subcategories to your life. The agent adapts to whatever structure you define.

2. The Ledger — Transaction Format

All transactions live in budget-ledger.json: { "transactions": [ { "id": "tx_20260213_001", "date": "2026-02-13", "type": "expense", "amount": 45.67, "category": "food", "subcategory": "groceries", "description": "Weekly shop at Aldi", "merchant": "Aldi", "paymentMethod": "debit", "tags": ["weekly", "essentials"], "recurring": false, "note": "" } ], "recurringRules": [], "metadata": { "lastUpdated": "2026-02-13T10:30:00Z", "transactionCount": 1, "ledgerVersion": "1.0" } }

Transaction ID Convention

tx_YYYYMMDD_NNN — date + sequential number. Never reuse IDs.

3. Natural Language Parsing

When a user says something about money, parse it into a transaction:

Parsing Rules

User saysExtracted"spent $45 on groceries"expense, $45, food/groceries"paid rent $1500"expense, $1500, housing"got paid $2500"income, $2500, salary"uber $12"expense, $12, transport/rideshare"Netflix $15.99 monthly"expense, $15.99, entertainment/streaming, recurring"coffee $5"expense, $5, food/coffee"sent mom $200"expense, $200, misc (ask: gift or loan?)"returned shoes got $80 back"refund, $80, shopping/clothes

Ambiguity Resolution

If category is unclear, make your best guess AND confirm: "Logged $45 under food/groceries — correct?" If amount is missing, ask: "How much was that?" If "monthly" or "every week" mentioned, create a recurring rule "Returned" or "refund" = negative expense (credit) "Lent" vs "borrowed" — always clarify direction

Recurring Transactions

When a user mentions recurring expenses, create a rule: { "id": "rec_001", "description": "Netflix subscription", "amount": 15.99, "category": "entertainment", "subcategory": "streaming", "frequency": "monthly", "dayOfMonth": 15, "active": true, "lastApplied": "2026-02-15" } On each budget check, auto-apply any recurring transactions that are due.

Real-Time Budget Checks

After EVERY expense logged, run this check: 1. Calculate total spent in category this month 2. Compare to budget limit 3. Calculate percentage used 4. Check days remaining in month 5. Calculate daily budget remaining 6. Trigger alerts if needed

Alert Levels

LevelTriggerResponse🟢 On track< 75% budget, proportional to month progressSilent (log only)🟡 Warning75-90% budget used"Heads up — you've used 78% of your $600 food budget with 18 days left. That's $3.67/day remaining."🔴 Critical> 90% budget used"⚠️ Food budget is at 92% ($552/$600) with 12 days left. Only $4/day remaining. Consider cooking at home this week."🚨 Over budget> 100%"🚨 You're $47 over your $600 food budget. Total: $647. This eats into your savings target."⚡ UnusualSingle transaction > 2x average for category"That $89 coffee purchase seems unusual — your average is $5.20. Correct amount?"

Pace Tracking (Smart Budget Intelligence)

Don't just track totals — track spending PACE: Days elapsed this month: 13 Days remaining: 15 Budget: $600 Spent so far: $380 Daily pace: $29.23/day (spending) Sustainable pace: $21.43/day (budget / total days) Remaining pace: $14.67/day (remaining budget / remaining days) Verdict: Spending 37% faster than sustainable. Will exceed budget by ~$160 at current pace. This is MORE useful than just "you spent X of Y" because it predicts the future.

Goal Structure

{ "id": "goal_001", "name": "Emergency Fund", "targetAmount": 10000, "currentAmount": 3500, "deadline": "2026-12-31", "priority": "high", "contributions": [ { "date": "2026-02-01", "amount": 500, "note": "Monthly auto-save" } ], "autoContribute": { "enabled": true, "amount": 500, "frequency": "monthly", "dayOfMonth": 1 } }

Goal Intelligence

When checking goals, calculate: On track? Compare current savings rate to required rate Projected completion: At current rate, when will goal be hit? Acceleration options: "If you save $100 more/month, you'll hit your goal 2 months early" Surplus allocation: If under budget this month, suggest putting surplus toward goals

Weekly Summary (run every Sunday or on demand)

📊 Week of Feb 7-13, 2026 💸 Spent: $487.23 💰 Income: $2,500.00 📈 Net: +$2,012.77 Top categories: 🏠 Housing: $375 (rent proration) 🍔 Food: $112.23 (18.7% of budget used, on track) ⚡ Unusual: $0 flagged 🎯 Goals: Emergency Fund 35% → 40% (+$500) 💡 Insight: Food spending down 12% vs last week. Nice work.

Monthly Report (run on 1st of each month)

📊 January 2026 — Full Report INCOME: $5,000.00 EXPENSES: $3,847.23 NET SAVINGS: $1,152.77 (23.1% savings rate) BUDGET PERFORMANCE: ✅ Housing: $1,500 / $1,500 (100%) — on budget ✅ Food: $534 / $600 (89%) — $66 under ✅ Transport: $187 / $300 (62%) — $113 under ⚠️ Shopping: $342 / $300 (114%) — $42 OVER ✅ Entertainment: $156 / $200 (78%) — $44 under CATEGORY TRENDS (vs last month): 📈 Food: +8% ($534 vs $495) 📉 Transport: -23% ($187 vs $243) — nice! 📈 Shopping: +37% ($342 vs $250) — watch this SAVINGS GOALS: 🎯 Emergency Fund: $4,000 / $10,000 (40%) — on track for Aug completion 🎯 Vacation: $800 / $2,000 (40%) — on track TOP MERCHANTS: 1. Aldi — $178 (12 visits) 2. Amazon — $156 (8 orders) 3. Shell — $89 (6 fills) 💡 INSIGHTS: • Shopping was 14% over budget — 3 Amazon orders on Feb 8 totaled $120 • You saved $113 on transport (worked from home more?) • At current savings rate ($1,153/mo), emergency fund complete by August • Consider moving $66 food surplus → vacation goal

Year-to-Date Dashboard (on demand)

📊 2026 YTD (Jan-Feb) Total Income: $10,000 Total Expenses: $7,694 Total Saved: $2,306 (23.1% rate) Goal Progress: Emergency Fund 40%, Vacation 40% Best month: January (24.2% savings rate) Worst category: Shopping (avg 107% of budget) Most improved: Transport (-15% trend)

7. Smart Insights Engine

Beyond basic tracking, provide ACTIONABLE intelligence:

Spending Patterns

Day-of-week analysis: "You spend 40% more on weekends. Saturday average: $67 vs weekday $23" Merchant loyalty: "You've been to Starbucks 18 times this month. A home coffee setup pays for itself in 3 weeks." Category creep: "Shopping has increased 15% each of the last 3 months. Projected: $450 next month."

Optimization Suggestions

Subscription audit: "You have 6 streaming services ($78/mo). Used Netflix 20 times, Disney+ once. Consider canceling Disney+." Budget rebalancing: "You've been under transport budget for 3 months. Consider reducing to $200 and moving $100 to savings." Cash flow timing: "Your biggest expenses hit on the 1st-5th. Consider moving some to the 15th paycheck cycle."

Financial Health Score (0-100)

Calculate monthly: FactorWeightScoringSavings rate30%20%+ = 100, 10-20% = 70, 5-10% = 40, <5% = 10Budget adherence25%All under = 100, 1 over = 80, 2-3 over = 50, 4+ = 20Goal progress20%On track = 100, slightly behind = 60, way behind = 20Expense stability15%Low variance = 100, moderate = 60, volatile = 20Debt-free spending10%No credit used = 100, some = 50, heavy = 10 Score interpretation: 90-100: 💪 Excellent — wealth building mode 70-89: 👍 Good — minor optimizations possible 50-69: ⚠️ Fair — specific areas need attention Below 50: 🚨 Needs work — create an action plan

8. Commands Reference

CommandWhat it does"I spent $X on Y"Log expense"Got paid $X"Log income"Budget check"Show all budgets vs actuals with pace"Weekly summary"This week's report"Monthly report"Full month analysis"How much on food?"Category deep-dive"Set food budget to $500"Update budget"Add goal: Vacation $2000 by June"Create savings goal"Save $200 toward vacation"Log goal contribution"Financial health"Calculate health score"Unusual spending?"Flag outliers"Subscription audit"List recurring + usage"Compare to last month"Month-over-month trends"Export CSV"Export ledger for spreadsheets"Undo last"Remove last transaction

File Locations

budget-profile.json — Your financial profile and budgets budget-ledger.json — All transactions budget-goals.json — Savings goals and contributions budget-recurring.json — Recurring transaction rules

CSV Export Format

When user asks to export: Date,Type,Amount,Category,Subcategory,Description,Merchant,Tags 2026-02-13,expense,45.67,food,groceries,Weekly shop,Aldi,"weekly,essentials"

Backup

Periodically remind users to back up their ledger. Offer to commit to git if workspace is a repo.

Privacy

All data stays local. No external APIs. No cloud sync. Your money data never leaves your machine.

10. Edge Cases

Split transactions: "Dinner $80, split with friend" → Log $40 as your share Foreign currency: "Spent €50 in Paris" → Convert at current rate, note original currency Cash back / rewards: Track as income subcategory "cashback" Transfers between accounts: Don't count as expense or income — log as "transfer" type Shared expenses: Tag with "shared" and note who owes what Tax deductible: Tag with "tax-deductible" for year-end filtering Returns within same month: Net against the category. Cross-month: log as refund income. Variable income: If income varies, use 3-month rolling average for budget calculations

Category context

Workflow acceleration for inboxes, docs, calendars, planning, and execution loops.

Source: Tencent SkillHub

Largest current source with strong distribution and engagement signals.

Package contents

Included in package

2 Docs

SKILL.md Primary doc
README.md Docs