Expense Tracker

• You want to record spending on the fly by chatting naturally, in English or Chinese, without opening a separate app.
• You set monthly budgets per category (Food, Shopping, Transport, etc.) and want automatic alerts when you're approaching or over the limit.
• You want a quick weekly or monthly spending breakdown — totals by category, daily averages, and period-over-period comparisons — generated from your chat history.
• You prefer all financial data stored locally on your own machine rather than synced to a cloud service.

• You need automatic bank or credit-card import; this skill only logs expenses you tell it about manually.
• You require multi-device sync or sharing with another person — data lives in a single local directory.
• You need investment tracking, tax reporting, or formal accounting features beyond basic spending logs.

Describe a purchase however feels natural — "spent $30 on coffee", "打车20块", "Amazon headphones $45" — and the skill extracts the amount, currency, description, date, and time automatically. No structured input or special syntax required.

Expenses are auto-tagged into eight categories (Food, Transport, Shopping, Entertainment, Bills, Health, Education, Other) based on keywords in both English and Chinese. Category emoji are applied consistently across all summaries and reports.

Set monthly budgets for individual categories or an overall total with commands like /budget or "set budget $1,500 for food". The skill warns you at 80% usage and flags overspending in real time every time you log an expense.

Ask "how much did I spend this week?" or request a /expense_report for a full monthly breakdown: totals by category, percentage shares, daily averages, top 5 expenses, and a comparison to the previous period.

All data is written to ~/.openclaw/workspace/expenses/ as plain JSON files, one per month. Nothing is sent to an external service, and no credentials are required to install or run the skill.

The skill mirrors the language you use — respond in English and it replies in English; write in Chinese and it replies in Chinese. Trigger phrases, category keywords, and commands are recognised in both languages.

After buying lunch, type "lunch $12" or "午饭45块" directly in the chat. The skill confirms the logged entry and shows how much of your Food budget you've used so far this month — all in a single response.

At the end of the month, run /expense_report or say "月度报告" to get a full breakdown: category totals, percentage shares, your top five purchases, and a comparison against last month's spending.

Say "am I over budget?" or "预算还剩多少?" to see a visual bar chart of every budget category — how much you've spent, what percentage is used, and how much you can safely spend per day for the rest of the month.

Made a mistake? Say "delete last expense" or "撤销" and the skill identifies the most recent entry, asks you to confirm, then removes it and shows your updated monthly total.