{ "schemaVersion": "1.0", "item": { "slug": "afrexai-budget-tracker", "name": "Budget & Expense Tracker", "source": "tencent", "type": "skill", "category": "效率提升", "sourceUrl": "https://clawhub.ai/1kalin/afrexai-budget-tracker", "canonicalUrl": "https://clawhub.ai/1kalin/afrexai-budget-tracker", "targetPlatform": "OpenClaw" }, "install": { "downloadMode": "redirect", "downloadUrl": "/downloads/afrexai-budget-tracker", "sourceDownloadUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=afrexai-budget-tracker", "sourcePlatform": "tencent", "targetPlatform": "OpenClaw", "installMethod": "Manual import", "extraction": "Extract archive", "prerequisites": [ "OpenClaw" ], "packageFormat": "ZIP package", "includedAssets": [ "README.md", "SKILL.md" ], "primaryDoc": "SKILL.md", "quickSetup": [ "Download the package from Yavira.", "Extract the archive and review SKILL.md first.", "Import or place the package into your OpenClaw setup." ], "agentAssist": { "summary": "Hand the extracted package to your coding agent with a concrete install brief instead of figuring it out manually.", "steps": [ "Download the package from Yavira.", "Extract it into a folder your agent can access.", "Paste one of the prompts below and point your agent at the extracted folder." ], "prompts": [ { "label": "New install", "body": "I downloaded a skill package from Yavira. Read SKILL.md from the extracted folder and install it by following the included instructions. Then review README.md for any prerequisites, environment setup, or post-install checks. Tell me what you changed and call out any manual steps you could not complete." }, { "label": "Upgrade existing", "body": "I downloaded an updated skill package from Yavira. Read SKILL.md from the extracted folder, compare it with my current installation, and upgrade it while preserving any custom configuration unless the package docs explicitly say otherwise. Then review README.md for any prerequisites, environment setup, or post-install checks. Summarize what changed and any follow-up checks I should run." } ] }, "sourceHealth": { "source": "tencent", "status": "healthy", "reason": "direct_download_ok", "recommendedAction": "download", "checkedAt": "2026-04-23T16:43:11.935Z", "expiresAt": "2026-04-30T16:43:11.935Z", "httpStatus": 200, "finalUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=4claw-imageboard", "contentType": "application/zip", "probeMethod": "head", "details": { "probeUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=4claw-imageboard", "contentDisposition": "attachment; filename=\"4claw-imageboard-1.0.1.zip\"", "redirectLocation": null, "bodySnippet": null }, "scope": "source", "summary": "Source download looks usable.", "detail": "Yavira can redirect you to the upstream package for this source.", "primaryActionLabel": "Download for OpenClaw", "primaryActionHref": "/downloads/afrexai-budget-tracker" }, "validation": { "installChecklist": [ "Use the Yavira download entry.", "Review SKILL.md after the package is downloaded.", "Confirm the extracted package contains the expected setup assets." ], "postInstallChecks": [ "Confirm the extracted package includes the expected docs or setup files.", "Validate the skill or prompts are available in your target agent workspace.", "Capture any manual follow-up steps the agent could not complete." ] }, "downloadPageUrl": "https://openagent3.xyz/downloads/afrexai-budget-tracker", "agentPageUrl": "https://openagent3.xyz/skills/afrexai-budget-tracker/agent", "manifestUrl": "https://openagent3.xyz/skills/afrexai-budget-tracker/agent.json", "briefUrl": "https://openagent3.xyz/skills/afrexai-budget-tracker/agent.md" }, "agentAssist": { "summary": "Hand the extracted package to your coding agent with a concrete install brief instead of figuring it out manually.", "steps": [ "Download the package from Yavira.", "Extract it into a folder your agent can access.", "Paste one of the prompts below and point your agent at the extracted folder." ], "prompts": [ { "label": "New install", "body": "I downloaded a skill package from Yavira. Read SKILL.md from the extracted folder and install it by following the included instructions. Then review README.md for any prerequisites, environment setup, or post-install checks. Tell me what you changed and call out any manual steps you could not complete." }, { "label": "Upgrade existing", "body": "I downloaded an updated skill package from Yavira. Read SKILL.md from the extracted folder, compare it with my current installation, and upgrade it while preserving any custom configuration unless the package docs explicitly say otherwise. Then review README.md for any prerequisites, environment setup, or post-install checks. Summarize what changed and any follow-up checks I should run." } ] }, "documentation": { "source": "clawhub", "primaryDoc": "SKILL.md", "sections": [ { "title": "Budget & Expense Tracker — AI Agent Financial Command Center", "body": "Track every dollar, enforce budgets, spot spending patterns, and build wealth — all through natural conversation with your AI agent." }, { "title": "How It Works", "body": "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." }, { "title": "1. Setup — Your Financial Profile", "body": "On first use, create budget-profile.json in your workspace:\n\n{\n \"currency\": \"USD\",\n \"monthlyIncome\": 5000,\n \"payDays\": [1, 15],\n \"fiscalMonthStart\": 1,\n \"categories\": {\n \"housing\": { \"budget\": 1500, \"essential\": true },\n \"food\": { \"budget\": 600, \"essential\": true, \"subcategories\": [\"groceries\", \"dining\", \"delivery\", \"coffee\"] },\n \"transport\": { \"budget\": 300, \"essential\": true, \"subcategories\": [\"fuel\", \"public\", \"rideshare\", \"parking\"] },\n \"utilities\": { \"budget\": 200, \"essential\": true, \"subcategories\": [\"electric\", \"water\", \"internet\", \"phone\"] },\n \"health\": { \"budget\": 200, \"essential\": true, \"subcategories\": [\"gym\", \"medical\", \"supplements\"] },\n \"entertainment\": { \"budget\": 200, \"essential\": false, \"subcategories\": [\"streaming\", \"games\", \"events\", \"hobbies\"] },\n \"shopping\": { \"budget\": 300, \"essential\": false, \"subcategories\": [\"clothes\", \"electronics\", \"home\", \"gifts\"] },\n \"education\": { \"budget\": 100, \"essential\": false, \"subcategories\": [\"books\", \"courses\", \"subscriptions\"] },\n \"savings\": { \"budget\": 500, \"essential\": true, \"target\": \"emergency-fund\" },\n \"misc\": { \"budget\": 100, \"essential\": false }\n },\n \"alerts\": {\n \"budgetWarning\": 0.75,\n \"budgetCritical\": 0.90,\n \"unusualSpend\": 2.0,\n \"dailyMax\": 200\n },\n \"goals\": []\n}\n\nCustomize categories, budgets, and subcategories to your life. The agent adapts to whatever structure you define." }, { "title": "2. The Ledger — Transaction Format", "body": "All transactions live in budget-ledger.json:\n\n{\n \"transactions\": [\n {\n \"id\": \"tx_20260213_001\",\n \"date\": \"2026-02-13\",\n \"type\": \"expense\",\n \"amount\": 45.67,\n \"category\": \"food\",\n \"subcategory\": \"groceries\",\n \"description\": \"Weekly shop at Aldi\",\n \"merchant\": \"Aldi\",\n \"paymentMethod\": \"debit\",\n \"tags\": [\"weekly\", \"essentials\"],\n \"recurring\": false,\n \"note\": \"\"\n }\n ],\n \"recurringRules\": [],\n \"metadata\": {\n \"lastUpdated\": \"2026-02-13T10:30:00Z\",\n \"transactionCount\": 1,\n \"ledgerVersion\": \"1.0\"\n }\n}" }, { "title": "Transaction ID Convention", "body": "tx_YYYYMMDD_NNN — date + sequential number. Never reuse IDs." }, { "title": "3. Natural Language Parsing", "body": "When a user says something about money, parse it into a transaction:" }, { "title": "Parsing Rules", "body": "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" }, { "title": "Ambiguity Resolution", "body": "If category is unclear, make your best guess AND confirm: \"Logged $45 under food/groceries — correct?\"\nIf amount is missing, ask: \"How much was that?\"\nIf \"monthly\" or \"every week\" mentioned, create a recurring rule\n\"Returned\" or \"refund\" = negative expense (credit)\n\"Lent\" vs \"borrowed\" — always clarify direction" }, { "title": "Recurring Transactions", "body": "When a user mentions recurring expenses, create a rule:\n\n{\n \"id\": \"rec_001\",\n \"description\": \"Netflix subscription\",\n \"amount\": 15.99,\n \"category\": \"entertainment\",\n \"subcategory\": \"streaming\",\n \"frequency\": \"monthly\",\n \"dayOfMonth\": 15,\n \"active\": true,\n \"lastApplied\": \"2026-02-15\"\n}\n\nOn each budget check, auto-apply any recurring transactions that are due." }, { "title": "Real-Time Budget Checks", "body": "After EVERY expense logged, run this check:\n\n1. Calculate total spent in category this month\n2. Compare to budget limit\n3. Calculate percentage used\n4. Check days remaining in month\n5. Calculate daily budget remaining\n6. Trigger alerts if needed" }, { "title": "Alert Levels", "body": "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?\"" }, { "title": "Pace Tracking (Smart Budget Intelligence)", "body": "Don't just track totals — track spending PACE:\n\nDays elapsed this month: 13\nDays remaining: 15\nBudget: $600\nSpent so far: $380\nDaily pace: $29.23/day (spending)\nSustainable pace: $21.43/day (budget / total days)\nRemaining pace: $14.67/day (remaining budget / remaining days)\n\nVerdict: Spending 37% faster than sustainable. Will exceed budget by ~$160 at current pace.\n\nThis is MORE useful than just \"you spent X of Y\" because it predicts the future." }, { "title": "Goal Structure", "body": "{\n \"id\": \"goal_001\",\n \"name\": \"Emergency Fund\",\n \"targetAmount\": 10000,\n \"currentAmount\": 3500,\n \"deadline\": \"2026-12-31\",\n \"priority\": \"high\",\n \"contributions\": [\n { \"date\": \"2026-02-01\", \"amount\": 500, \"note\": \"Monthly auto-save\" }\n ],\n \"autoContribute\": {\n \"enabled\": true,\n \"amount\": 500,\n \"frequency\": \"monthly\",\n \"dayOfMonth\": 1\n }\n}" }, { "title": "Goal Intelligence", "body": "When checking goals, calculate:\n\nOn track? Compare current savings rate to required rate\nProjected completion: At current rate, when will goal be hit?\nAcceleration options: \"If you save $100 more/month, you'll hit your goal 2 months early\"\nSurplus allocation: If under budget this month, suggest putting surplus toward goals" }, { "title": "Weekly Summary (run every Sunday or on demand)", "body": "📊 Week of Feb 7-13, 2026\n\n💸 Spent: $487.23\n💰 Income: $2,500.00\n📈 Net: +$2,012.77\n\nTop categories:\n 🏠 Housing: $375 (rent proration)\n 🍔 Food: $112.23 (18.7% of budget used, on track)\n\n⚡ Unusual: $0 flagged\n🎯 Goals: Emergency Fund 35% → 40% (+$500)\n💡 Insight: Food spending down 12% vs last week. Nice work." }, { "title": "Monthly Report (run on 1st of each month)", "body": "📊 January 2026 — Full Report\n\nINCOME: $5,000.00\nEXPENSES: $3,847.23\nNET SAVINGS: $1,152.77 (23.1% savings rate)\n\nBUDGET PERFORMANCE:\n ✅ Housing: $1,500 / $1,500 (100%) — on budget\n ✅ Food: $534 / $600 (89%) — $66 under\n ✅ Transport: $187 / $300 (62%) — $113 under\n ⚠️ Shopping: $342 / $300 (114%) — $42 OVER\n ✅ Entertainment: $156 / $200 (78%) — $44 under\n\nCATEGORY TRENDS (vs last month):\n 📈 Food: +8% ($534 vs $495)\n 📉 Transport: -23% ($187 vs $243) — nice!\n 📈 Shopping: +37% ($342 vs $250) — watch this\n\nSAVINGS GOALS:\n 🎯 Emergency Fund: $4,000 / $10,000 (40%) — on track for Aug completion\n 🎯 Vacation: $800 / $2,000 (40%) — on track\n\nTOP MERCHANTS:\n 1. Aldi — $178 (12 visits)\n 2. Amazon — $156 (8 orders)\n 3. Shell — $89 (6 fills)\n\n💡 INSIGHTS:\n • Shopping was 14% over budget — 3 Amazon orders on Feb 8 totaled $120\n • You saved $113 on transport (worked from home more?)\n • At current savings rate ($1,153/mo), emergency fund complete by August\n • Consider moving $66 food surplus → vacation goal" }, { "title": "Year-to-Date Dashboard (on demand)", "body": "📊 2026 YTD (Jan-Feb)\n\nTotal Income: $10,000\nTotal Expenses: $7,694\nTotal Saved: $2,306 (23.1% rate)\nGoal Progress: Emergency Fund 40%, Vacation 40%\n\nBest month: January (24.2% savings rate)\nWorst category: Shopping (avg 107% of budget)\nMost improved: Transport (-15% trend)" }, { "title": "7. Smart Insights Engine", "body": "Beyond basic tracking, provide ACTIONABLE intelligence:" }, { "title": "Spending Patterns", "body": "Day-of-week analysis: \"You spend 40% more on weekends. Saturday average: $67 vs weekday $23\"\nMerchant loyalty: \"You've been to Starbucks 18 times this month. A home coffee setup pays for itself in 3 weeks.\"\nCategory creep: \"Shopping has increased 15% each of the last 3 months. Projected: $450 next month.\"" }, { "title": "Optimization Suggestions", "body": "Subscription audit: \"You have 6 streaming services ($78/mo). Used Netflix 20 times, Disney+ once. Consider canceling Disney+.\"\nBudget rebalancing: \"You've been under transport budget for 3 months. Consider reducing to $200 and moving $100 to savings.\"\nCash flow timing: \"Your biggest expenses hit on the 1st-5th. Consider moving some to the 15th paycheck cycle.\"" }, { "title": "Financial Health Score (0-100)", "body": "Calculate monthly:\n\nFactorWeightScoringSavings 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\n\nScore interpretation:\n\n90-100: 💪 Excellent — wealth building mode\n70-89: 👍 Good — minor optimizations possible\n50-69: ⚠️ Fair — specific areas need attention\nBelow 50: 🚨 Needs work — create an action plan" }, { "title": "8. Commands Reference", "body": "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" }, { "title": "File Locations", "body": "budget-profile.json — Your financial profile and budgets\nbudget-ledger.json — All transactions\nbudget-goals.json — Savings goals and contributions\nbudget-recurring.json — Recurring transaction rules" }, { "title": "CSV Export Format", "body": "When user asks to export:\n\nDate,Type,Amount,Category,Subcategory,Description,Merchant,Tags\n2026-02-13,expense,45.67,food,groceries,Weekly shop,Aldi,\"weekly,essentials\"" }, { "title": "Backup", "body": "Periodically remind users to back up their ledger. Offer to commit to git if workspace is a repo." }, { "title": "Privacy", "body": "All data stays local. No external APIs. No cloud sync. Your money data never leaves your machine." }, { "title": "10. Edge Cases", "body": "Split transactions: \"Dinner $80, split with friend\" → Log $40 as your share\nForeign currency: \"Spent €50 in Paris\" → Convert at current rate, note original currency\nCash back / rewards: Track as income subcategory \"cashback\"\nTransfers between accounts: Don't count as expense or income — log as \"transfer\" type\nShared expenses: Tag with \"shared\" and note who owes what\nTax deductible: Tag with \"tax-deductible\" for year-end filtering\nReturns within same month: Net against the category. Cross-month: log as refund income.\nVariable income: If income varies, use 3-month rolling average for budget calculations" } ], "body": "Budget & Expense Tracker — AI Agent Financial Command Center\n\nTrack every dollar, enforce budgets, spot spending patterns, and build wealth — all through natural conversation with your AI agent.\n\nHow It Works\n\nYou 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.\n\n1. Setup — Your Financial Profile\n\nOn first use, create budget-profile.json in your workspace:\n\n{\n \"currency\": \"USD\",\n \"monthlyIncome\": 5000,\n \"payDays\": [1, 15],\n \"fiscalMonthStart\": 1,\n \"categories\": {\n \"housing\": { \"budget\": 1500, \"essential\": true },\n \"food\": { \"budget\": 600, \"essential\": true, \"subcategories\": [\"groceries\", \"dining\", \"delivery\", \"coffee\"] },\n \"transport\": { \"budget\": 300, \"essential\": true, \"subcategories\": [\"fuel\", \"public\", \"rideshare\", \"parking\"] },\n \"utilities\": { \"budget\": 200, \"essential\": true, \"subcategories\": [\"electric\", \"water\", \"internet\", \"phone\"] },\n \"health\": { \"budget\": 200, \"essential\": true, \"subcategories\": [\"gym\", \"medical\", \"supplements\"] },\n \"entertainment\": { \"budget\": 200, \"essential\": false, \"subcategories\": [\"streaming\", \"games\", \"events\", \"hobbies\"] },\n \"shopping\": { \"budget\": 300, \"essential\": false, \"subcategories\": [\"clothes\", \"electronics\", \"home\", \"gifts\"] },\n \"education\": { \"budget\": 100, \"essential\": false, \"subcategories\": [\"books\", \"courses\", \"subscriptions\"] },\n \"savings\": { \"budget\": 500, \"essential\": true, \"target\": \"emergency-fund\" },\n \"misc\": { \"budget\": 100, \"essential\": false }\n },\n \"alerts\": {\n \"budgetWarning\": 0.75,\n \"budgetCritical\": 0.90,\n \"unusualSpend\": 2.0,\n \"dailyMax\": 200\n },\n \"goals\": []\n}\n\n\nCustomize categories, budgets, and subcategories to your life. The agent adapts to whatever structure you define.\n\n2. The Ledger — Transaction Format\n\nAll transactions live in budget-ledger.json:\n\n{\n \"transactions\": [\n {\n \"id\": \"tx_20260213_001\",\n \"date\": \"2026-02-13\",\n \"type\": \"expense\",\n \"amount\": 45.67,\n \"category\": \"food\",\n \"subcategory\": \"groceries\",\n \"description\": \"Weekly shop at Aldi\",\n \"merchant\": \"Aldi\",\n \"paymentMethod\": \"debit\",\n \"tags\": [\"weekly\", \"essentials\"],\n \"recurring\": false,\n \"note\": \"\"\n }\n ],\n \"recurringRules\": [],\n \"metadata\": {\n \"lastUpdated\": \"2026-02-13T10:30:00Z\",\n \"transactionCount\": 1,\n \"ledgerVersion\": \"1.0\"\n }\n}\n\nTransaction ID Convention\n\ntx_YYYYMMDD_NNN — date + sequential number. Never reuse IDs.\n\n3. Natural Language Parsing\n\nWhen a user says something about money, parse it into a transaction:\n\nParsing Rules\nUser says\tExtracted\n\"spent $45 on groceries\"\texpense, $45, food/groceries\n\"paid rent $1500\"\texpense, $1500, housing\n\"got paid $2500\"\tincome, $2500, salary\n\"uber $12\"\texpense, $12, transport/rideshare\n\"Netflix $15.99 monthly\"\texpense, $15.99, entertainment/streaming, recurring\n\"coffee $5\"\texpense, $5, food/coffee\n\"sent mom $200\"\texpense, $200, misc (ask: gift or loan?)\n\"returned shoes got $80 back\"\trefund, $80, shopping/clothes\nAmbiguity Resolution\nIf category is unclear, make your best guess AND confirm: \"Logged $45 under food/groceries — correct?\"\nIf amount is missing, ask: \"How much was that?\"\nIf \"monthly\" or \"every week\" mentioned, create a recurring rule\n\"Returned\" or \"refund\" = negative expense (credit)\n\"Lent\" vs \"borrowed\" — always clarify direction\nRecurring Transactions\n\nWhen a user mentions recurring expenses, create a rule:\n\n{\n \"id\": \"rec_001\",\n \"description\": \"Netflix subscription\",\n \"amount\": 15.99,\n \"category\": \"entertainment\",\n \"subcategory\": \"streaming\",\n \"frequency\": \"monthly\",\n \"dayOfMonth\": 15,\n \"active\": true,\n \"lastApplied\": \"2026-02-15\"\n}\n\n\nOn each budget check, auto-apply any recurring transactions that are due.\n\n4. Budget Enforcement Engine\nReal-Time Budget Checks\n\nAfter EVERY expense logged, run this check:\n\n1. Calculate total spent in category this month\n2. Compare to budget limit\n3. Calculate percentage used\n4. Check days remaining in month\n5. Calculate daily budget remaining\n6. Trigger alerts if needed\n\nAlert Levels\nLevel\tTrigger\tResponse\n🟢 On track\t< 75% budget, proportional to month progress\tSilent (log only)\n🟡 Warning\t75-90% budget used\t\"Heads up — you've used 78% of your $600 food budget with 18 days left. That's $3.67/day remaining.\"\n🔴 Critical\t> 90% budget used\t\"⚠️ Food budget is at 92% ($552/$600) with 12 days left. Only $4/day remaining. Consider cooking at home this week.\"\n🚨 Over budget\t> 100%\t\"🚨 You're $47 over your $600 food budget. Total: $647. This eats into your savings target.\"\n⚡ Unusual\tSingle transaction > 2x average for category\t\"That $89 coffee purchase seems unusual — your average is $5.20. Correct amount?\"\nPace Tracking (Smart Budget Intelligence)\n\nDon't just track totals — track spending PACE:\n\nDays elapsed this month: 13\nDays remaining: 15\nBudget: $600\nSpent so far: $380\nDaily pace: $29.23/day (spending)\nSustainable pace: $21.43/day (budget / total days)\nRemaining pace: $14.67/day (remaining budget / remaining days)\n\nVerdict: Spending 37% faster than sustainable. Will exceed budget by ~$160 at current pace.\n\n\nThis is MORE useful than just \"you spent X of Y\" because it predicts the future.\n\n5. Savings Goals\nGoal Structure\n{\n \"id\": \"goal_001\",\n \"name\": \"Emergency Fund\",\n \"targetAmount\": 10000,\n \"currentAmount\": 3500,\n \"deadline\": \"2026-12-31\",\n \"priority\": \"high\",\n \"contributions\": [\n { \"date\": \"2026-02-01\", \"amount\": 500, \"note\": \"Monthly auto-save\" }\n ],\n \"autoContribute\": {\n \"enabled\": true,\n \"amount\": 500,\n \"frequency\": \"monthly\",\n \"dayOfMonth\": 1\n }\n}\n\nGoal Intelligence\n\nWhen checking goals, calculate:\n\nOn track? Compare current savings rate to required rate\nProjected completion: At current rate, when will goal be hit?\nAcceleration options: \"If you save $100 more/month, you'll hit your goal 2 months early\"\nSurplus allocation: If under budget this month, suggest putting surplus toward goals\n6. Reports & Intelligence\nWeekly Summary (run every Sunday or on demand)\n📊 Week of Feb 7-13, 2026\n\n💸 Spent: $487.23\n💰 Income: $2,500.00\n📈 Net: +$2,012.77\n\nTop categories:\n 🏠 Housing: $375 (rent proration)\n 🍔 Food: $112.23 (18.7% of budget used, on track)\n\n⚡ Unusual: $0 flagged\n🎯 Goals: Emergency Fund 35% → 40% (+$500)\n💡 Insight: Food spending down 12% vs last week. Nice work.\n\nMonthly Report (run on 1st of each month)\n📊 January 2026 — Full Report\n\nINCOME: $5,000.00\nEXPENSES: $3,847.23\nNET SAVINGS: $1,152.77 (23.1% savings rate)\n\nBUDGET PERFORMANCE:\n ✅ Housing: $1,500 / $1,500 (100%) — on budget\n ✅ Food: $534 / $600 (89%) — $66 under\n ✅ Transport: $187 / $300 (62%) — $113 under\n ⚠️ Shopping: $342 / $300 (114%) — $42 OVER\n ✅ Entertainment: $156 / $200 (78%) — $44 under\n\nCATEGORY TRENDS (vs last month):\n 📈 Food: +8% ($534 vs $495)\n 📉 Transport: -23% ($187 vs $243) — nice!\n 📈 Shopping: +37% ($342 vs $250) — watch this\n\nSAVINGS GOALS:\n 🎯 Emergency Fund: $4,000 / $10,000 (40%) — on track for Aug completion\n 🎯 Vacation: $800 / $2,000 (40%) — on track\n\nTOP MERCHANTS:\n 1. Aldi — $178 (12 visits)\n 2. Amazon — $156 (8 orders)\n 3. Shell — $89 (6 fills)\n\n💡 INSIGHTS:\n • Shopping was 14% over budget — 3 Amazon orders on Feb 8 totaled $120\n • You saved $113 on transport (worked from home more?)\n • At current savings rate ($1,153/mo), emergency fund complete by August\n • Consider moving $66 food surplus → vacation goal\n\nYear-to-Date Dashboard (on demand)\n📊 2026 YTD (Jan-Feb)\n\nTotal Income: $10,000\nTotal Expenses: $7,694\nTotal Saved: $2,306 (23.1% rate)\nGoal Progress: Emergency Fund 40%, Vacation 40%\n\nBest month: January (24.2% savings rate)\nWorst category: Shopping (avg 107% of budget)\nMost improved: Transport (-15% trend)\n\n7. Smart Insights Engine\n\nBeyond basic tracking, provide ACTIONABLE intelligence:\n\nSpending Patterns\nDay-of-week analysis: \"You spend 40% more on weekends. Saturday average: $67 vs weekday $23\"\nMerchant loyalty: \"You've been to Starbucks 18 times this month. A home coffee setup pays for itself in 3 weeks.\"\nCategory creep: \"Shopping has increased 15% each of the last 3 months. Projected: $450 next month.\"\nOptimization Suggestions\nSubscription audit: \"You have 6 streaming services ($78/mo). Used Netflix 20 times, Disney+ once. Consider canceling Disney+.\"\nBudget rebalancing: \"You've been under transport budget for 3 months. Consider reducing to $200 and moving $100 to savings.\"\nCash flow timing: \"Your biggest expenses hit on the 1st-5th. Consider moving some to the 15th paycheck cycle.\"\nFinancial Health Score (0-100)\n\nCalculate monthly:\n\nFactor\tWeight\tScoring\nSavings rate\t30%\t20%+ = 100, 10-20% = 70, 5-10% = 40, <5% = 10\nBudget adherence\t25%\tAll under = 100, 1 over = 80, 2-3 over = 50, 4+ = 20\nGoal progress\t20%\tOn track = 100, slightly behind = 60, way behind = 20\nExpense stability\t15%\tLow variance = 100, moderate = 60, volatile = 20\nDebt-free spending\t10%\tNo credit used = 100, some = 50, heavy = 10\n\nScore interpretation:\n\n90-100: 💪 Excellent — wealth building mode\n70-89: 👍 Good — minor optimizations possible\n50-69: ⚠️ Fair — specific areas need attention\nBelow 50: 🚨 Needs work — create an action plan\n8. Commands Reference\nCommand\tWhat it does\n\"I spent $X on Y\"\tLog expense\n\"Got paid $X\"\tLog income\n\"Budget check\"\tShow all budgets vs actuals with pace\n\"Weekly summary\"\tThis week's report\n\"Monthly report\"\tFull month analysis\n\"How much on food?\"\tCategory deep-dive\n\"Set food budget to $500\"\tUpdate budget\n\"Add goal: Vacation $2000 by June\"\tCreate savings goal\n\"Save $200 toward vacation\"\tLog goal contribution\n\"Financial health\"\tCalculate health score\n\"Unusual spending?\"\tFlag outliers\n\"Subscription audit\"\tList recurring + usage\n\"Compare to last month\"\tMonth-over-month trends\n\"Export CSV\"\tExport ledger for spreadsheets\n\"Undo last\"\tRemove last transaction\n9. Data Management\nFile Locations\nbudget-profile.json — Your financial profile and budgets\nbudget-ledger.json — All transactions\nbudget-goals.json — Savings goals and contributions\nbudget-recurring.json — Recurring transaction rules\nCSV Export Format\n\nWhen user asks to export:\n\nDate,Type,Amount,Category,Subcategory,Description,Merchant,Tags\n2026-02-13,expense,45.67,food,groceries,Weekly shop,Aldi,\"weekly,essentials\"\n\nBackup\n\nPeriodically remind users to back up their ledger. Offer to commit to git if workspace is a repo.\n\nPrivacy\n\nAll data stays local. No external APIs. No cloud sync. Your money data never leaves your machine.\n\n10. Edge Cases\nSplit transactions: \"Dinner $80, split with friend\" → Log $40 as your share\nForeign currency: \"Spent €50 in Paris\" → Convert at current rate, note original currency\nCash back / rewards: Track as income subcategory \"cashback\"\nTransfers between accounts: Don't count as expense or income — log as \"transfer\" type\nShared expenses: Tag with \"shared\" and note who owes what\nTax deductible: Tag with \"tax-deductible\" for year-end filtering\nReturns within same month: Net against the category. Cross-month: log as refund income.\nVariable income: If income varies, use 3-month rolling average for budget calculations" }, "trust": { "sourceLabel": "tencent", "provenanceUrl": "https://clawhub.ai/1kalin/afrexai-budget-tracker", "publisherUrl": "https://clawhub.ai/1kalin/afrexai-budget-tracker", "owner": "1kalin", "version": "1.0.0", "license": null, "verificationStatus": "Indexed source record" }, "links": { "detailUrl": "https://openagent3.xyz/skills/afrexai-budget-tracker", "downloadUrl": "https://openagent3.xyz/downloads/afrexai-budget-tracker", "agentUrl": "https://openagent3.xyz/skills/afrexai-budget-tracker/agent", "manifestUrl": "https://openagent3.xyz/skills/afrexai-budget-tracker/agent.json", "briefUrl": "https://openagent3.xyz/skills/afrexai-budget-tracker/agent.md" } }