A privacy-focused AI financial assistant that logs, categorizes, and tracks your spending using natural language processing.
Install & Download
1. ClawHub CLI
The fastest way to install a skill directly from the registry.
npx clawhub@latest install nicholasrae-expense-tracker
2. Manual Installation
Copy the skill folder to one of these locations
~/.openclaw/skills/ <project>/skills/ Priority: Workspace > Local > Bundled
3. Prompt Installation
Copy this prompt to OpenClaw to install it automatically.
Help me install nicholasrae-expense-tracker using Clawhub. If Clawhub is not installed, install it first (npm i -g clawhub).
Prefer to download?
Get the raw skill files in a ZIP archive.
What is Expense Tracker?
The Expense Tracker is a sophisticated tool within the Openclaw Skills ecosystem designed to eliminate the friction of personal finance management. Instead of navigating complex apps or filling out tedious forms, users can simply tell their AI agent what they spent. The skill handles the heavy lifting of extracting amounts, identifying vendors, and auto-categorizing transactions into one of 16 predefined categories.
Built with a local-first philosophy, this skill ensures that all sensitive financial data remains on your machine in human-readable JSON files. It provides a seamless bridge between casual conversation and structured financial data, making it one of the most practical Openclaw Skills for daily productivity and financial awareness.
Expense Tracker Use Cases
- Logging daily transactions like "spent $45 at Costco" or "$12.50 for lunch at Chipotle."
- Managing shared expenses by telling the agent to "split a $90 dinner with Jake."
- Tracking monthly utility bills and recurring subscriptions through simple voice or text prompts.
- Monitoring budget health with proactive alerts when spending reaches specific thresholds.
- Processing refunds or reimbursements by noting credits like "got a $35 refund from Amazon."
How Expense Tracker Works
- The AI agent listens for natural language mentions of spending or money movement.
- Using advanced parsing rules, the skill extracts the amount, vendor, date, and optional notes from the user's input.
- The agent references a local category configuration to automatically assign the transaction to the most likely category.
- A bash-based logic layer executes scripts to append the transaction to a local ledger and immediately checks the current month's budget.
- If the transaction triggers a budget threshold (like 80% or 100% of a category limit), the Openclaw Skills agent provides a proactive warning or alert.
Expense Tracker Setup
To get started with this skill, ensure the directory structure is placed within your project's skill folder. You can manually log your first expense or configure your budgets using the provided scripts:
# Initialize a budget for a category
echo '{"Groceries": 600, "Dining": 300}' > skills/expense-tracker/references/budgets.json
# Log an expense via the CLI to test
bash skills/expense-tracker/scripts/add-expense.sh 45 "Groceries" "Costco" "2026-02-17" "weekly trip"
Expense Tracker Data Schema & Taxonomy
The skill organizes data into three primary JSON files to maintain a clear taxonomy:
| File | Description |
|---|---|
ledger.json |
The primary transaction log containing IDs, amounts, categories, vendors, and timestamps. |
categories.json |
Definitions for the 16 auto-categories and the keywords used for matching. |
budgets.json |
User-defined monthly limits for each spending category. |
All amounts are stored as numbers, where positive values represent expenses and negative values represent refunds or income.
Expense Tracker Advanced Features
- Natural Language Splitting: Automatically calculates individual shares when you mention splitting a bill with others.
- Proactive Budget Alerts: Uses a color-coded emoji system (⚪, 🟢, 🟡, 🔴) to notify you as you approach or exceed category limits.
- Automated Report Generation: Uses Markdown templates to generate comprehensive weekly and monthly financial summaries on demand.
- Smart Correction: Allows users to move expenses between categories or update amounts through conversational follow-ups.
- Multi-Currency Support: Optionally logs foreign currency transactions while allowing for local currency conversion for budget tracking.
SKILL.md
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