An AI-powered personal finance management system for tracking expenses, managing budgets, and receiving smart financial recommendations.
Install & Download
1. ClawHub CLI
The fastest way to install a skill directly from the registry.
npx clawhub@latest install personal-cfo
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 personal-cfo 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 Personal CFO?
Personal CFO is a comprehensive personal finance management solution designed to function as a private Chief Financial Officer. As part of the Openclaw Skills library, it allows users to manage their financial life through natural language or CLI commands. The skill prioritizes privacy by using local JSON storage, ensuring that all sensitive financial data remains on the user's machine while providing sophisticated AI-driven insights.
This tool bridges the gap between manual spreadsheets and complex accounting software by offering an intuitive interface for recording income, categorized expenses, and budget limits. It is an essential addition for users looking to leverage Openclaw Skills for high-utility productivity and financial oversight.
Personal CFO Use Cases
- Automatically tracking daily expenses like food, transport, or shopping through simple chat messages
- Setting and monitoring monthly budget thresholds for specific categories to prevent overspending
- Generating detailed monthly or yearly financial reports to visualize long-term spending trends
- Requesting AI-powered financial analysis to identify areas for potential savings
How Personal CFO Works
- The user interacts with the AI agent using financial keywords or natural language descriptions of transactions.
- The skill parses the intent to determine if it should add a transaction, set a budget, or generate a report.
- The agent executes the corresponding
cfoCLI command to interact with the local data engine. - Data is persisted in local JSON files located in the user's home directory.
- The agent provides a human-readable summary or a detailed visual report based on the command output.
Personal CFO Setup
Step 1: Install the Skill
clawhub install personal-cfo
Step 2: Install the CLI Tool
npm install -g openclaw-personal-cfo
Step 3: Verify Installation
cfo help
Personal CFO Data Schema & Taxonomy
Personal CFO organizes data locally to ensure privacy within the Openclaw Skills framework. Data is stored at ~/openclaw-personal-cfo/data/ by default using the following structure:
| File | Description |
|---|---|
transactions.json |
Stores all income and expense records with category and description tags. |
budgets.json |
Contains defined budget limits for various periods (daily, weekly, monthly, yearly). |
config.json |
Stores user configurations including default currency and environment settings. |
Personal CFO Advanced Features
- Triple CLI Aliasing: Use
cfo,personal-cfo, oropenclaw-personal-cfofor flexible command execution. - Programmatic API: Import the
PersonalCFOclass into TypeScript projects for custom financial automation. - Custom Data Directory: Re-route storage to specific drives or encrypted volumes using the
CFO_DATA_DIRenvironment variable. - Smart Category Parsing: Supports over 15 built-in categories for granular financial mapping.
SKILL.md
Loading
Related Openclaw Skills
Openclaw Quant
A professional-grade quantitative trading system for cryptocurrency that enables seamless backtesting, paper trading, and live execution via AI agents.
Matchmaker
Matchmaker is an AI-powered relationship assistant skill providing profile analysis, compatibility matching, and actionable dating guidance.
Investor Relations Manager
An AI-powered automation skill that transforms raw financial metrics and business updates into professional, stakeholder-ready video presentations.
Identity Trust
A decentralized identity and verifiable credential management system designed specifically for secure AI agent interactions.
Public Relations Manager
An AI-powered assistant designed to automate media matching, press release generation, and strategic campaign planning.
Quant Trader
A professional-grade quantitative trading system for cryptocurrency that handles everything from backtesting and strategy optimization to live execution.
Featured*
