A proactive financial monitoring skill that tracks credit card spending against budgets using Plaid and pace-based alerting.
Install & Download
1. ClawHub CLI
The fastest way to install a skill directly from the registry.
npx clawhub@latest install spend-pulse
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 spend-pulse 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 Spend Pulse?
Spend Pulse is a sophisticated financial management tool designed to provide developers and AI agents with real-time visibility into credit card transactions. By leveraging the Plaid API, it tracks spending against a predefined monthly budget and offers intelligent, pace-based alerts. Unlike traditional trackers that only look at totals, this skill understands spending curves, comparing current behavior against historical data from the previous month.
Integrating Spend Pulse into your Openclaw Skills library transforms a standard AI agent into a proactive financial assistant. It doesn't just record data; it analyzes it to determine if you are on track, over pace, or nearing budget limits, delivering actionable insights through both text and visual charts.
Spend Pulse Use Cases
- Automated daily or weekly spending check-ins for personal or business accounts.
- Proactive notifications when spending exceeds the historical curve of the previous month.
- Generating visual cumulative spending charts to identify trends at a glance.
- Monitoring new transactions across multiple linked bank accounts.
- Providing an AI agent with the context needed to offer financial advice based on real-time Openclaw Skills data.
How Spend Pulse Works
- The skill establishes a secure connection to financial institutions via the Plaid API and Plaid Link.
- Transaction data is synchronized locally, fetching the latest merchant and category information.
- The system calculates a pace metric by comparing the current cumulative spend against last month's curve or a linear ramp.
- A check logic evaluates several triggers, including budget thresholds, end-of-month approach, and significant new transactions.
- The skill generates a comprehensive YAML report and an optional PNG chart illustrating the spending trajectory vs. the budget.
Spend Pulse Setup
Install the package globally via npm:
npm install -g spend-pulse
Initiate the interactive setup wizard to configure your Plaid credentials and link your bank accounts:
spend-pulse setup
Perform an initial synchronization to fetch transaction history:
spend-pulse sync
Verify the installation and check your current status:
spend-pulse status --oneline
Spend Pulse Data Schema & Taxonomy
The skill organizes financial data into a structured format optimized for AI consumption:
| Field | Description |
|---|---|
should_alert |
Boolean indicating if current spending patterns require user attention. |
pace |
Status indicator (under, on_track, or over) based on spending curves. |
spent / remaining |
Real-time currency values for the current billing cycle. |
new_items |
An array of objects containing merchant, amount, and category for recent transactions. |
chart_path |
The local file system path to the generated PNG visualization. |
pace_source |
Indicates if pacing is calculated against last_month or a linear ramp. |
Spend Pulse Advanced Features
- Curve-based pacing logic that prevents false alerts for early-month recurring bills by comparing against last month's daily curve.
- Secure credential management using the macOS Keychain to protect sensitive Plaid access tokens.
- Dynamic PNG chart generation with cumulative spending gradients and budget target lines.
- Multi-account support allowing users to link and track multiple credit cards simultaneously.
- Flexible configuration options for timezones, target budgets, and manual transaction syncing via Openclaw Skills commands.
SKILL.md
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