finance-tracker（财务跟踪器）

Finance Tracker v2.0

Complete personal finance management. Track expenses, recurring subscriptions, savings goals, multi-currency support, and smart insights.

Installation

clawdhub install finance-tracker

Or add to PATH:

export PATH="$PATH:/path/to/finance-tracker/bin"

Quick Start

# Log an expense
finance add 50k "lunch at cafe"

# Log with currency conversion
finance add $20 "online purchase"

# See what you spent
finance report week

# Get smart insights
finance insights

Core Commands

Add Expenses

finance add <amount> "<description>"

Amount formats:

• 50000 — plain number
• 50k — with k suffix (= 50,000)
• $50 — USD, auto-converts to your currency
• €100 — EUR
• 100 USD — explicit currency

Examples:

finance add 50000 "lunch"
finance add 50k "groceries"
finance add $25 "Netflix subscription"

Undo & Edit

# Remove last transaction
finance undo

# Edit a transaction
finance edit <id> --amount=60000
finance edit <id> --desc="dinner with friends"
finance edit <id> --category=food

# Delete specific transaction
finance delete <id>

View & Search

finance report [period]    # today, week, month, year, all
finance recent [n]         # last n transactions
finance search "food"      # search by keyword

🔄 Recurring Expenses

Track subscriptions and bills that repeat automatically.

Add Recurring

finance recurring add <amount> "<description>" <frequency> [--day=N]

Frequencies: daily, weekly, biweekly, monthly, quarterly, yearly

Examples:

finance recurring add 110k "mobile provider" monthly --day=1
finance recurring add 50k "Netflix" monthly
finance recurring add 200k "gym membership" monthly --day=15

Manage Recurring

finance recurring              # List all
finance recurring list         # Same as above
finance recurring due          # Show what's due today
finance recurring process      # Auto-log all due expenses
finance recurring remove <id>  # Deactivate

How It Works

• Recurring expenses track their next due date
• Run finance recurring process daily (or in heartbeat) to auto-log
• Each logged expense appears in your regular transactions
• Monthly totals shown in the recurring report

🎯 Savings Goals

Set targets and track progress towards financial goals.

Add Goals

finance goal add "<name>" <target> [--by=DATE] [--current=X]

Examples:

finance goal add "New Laptop" 5000000 --by=2026-06-01
finance goal add "Emergency Fund" 10000000
finance goal add "Vacation" 3000000 --by=2026-08-01 --current=500000

Track Progress

# Add to goal (increment)
finance goal update "Laptop" 500k

# Set exact amount
finance goal set "Laptop" 2000000

# View all goals
finance goal
finance goal list

Goal Features

• Deadline tracking — shows days remaining
• Daily/weekly/monthly targets — how much to save to hit deadline
• Priority levels — high, medium, low
• Completion tracking — celebrate when you hit targets!

💱 Multi-Currency

Automatic currency conversion with live exchange rates.

View Rates

finance rates              # Show all common rates
finance rates USD          # Specific currency rate
finance rates EUR

Convert

finance convert 100 USD UZS
finance convert 50 EUR USD

Auto-Conversion in Expenses

# These auto-convert to your default currency (UZS)
finance add $50 "Amazon purchase"
finance add €30 "App subscription"
finance add 100 USD "Online course"

Set Default Currency

finance currency         # Show current
finance currency USD     # Change default

Rate caching: Rates refresh every 6 hours automatically.

💡 Smart Insights

AI-powered spending analysis and alerts.

finance insights    # Full insights report
finance summary     # Quick daily summary
finance digest      # Weekly digest

What Insights Shows

• Spending velocity — daily/weekly/monthly averages
• Period comparison — this week vs last week
• Category changes — which categories went up/down
• Anomaly detection — unusually large expenses flagged
• Goal progress — how much to save daily
• Recurring due — subscriptions due today

Example Output

💡 Smart Insights
━━━━━━━━━━━━━━━━━━━━━

📈 Spending Velocity
   Daily avg: 85,000 UZS
   This month so far: 1,200,000 UZS
   Projected month total: 2,550,000 UZS

📊 This Week vs Last Week
   📈 Spending UP 23%
   This week: 595,000 UZS
   Last week: 484,000 UZS

🏷️ Notable Category Changes
   🍔 food: ↑ 45%
   🚗 transport: ↓ 20%

⚠️ Alerts
   • Unusually large expense: 350,000 on electronics

🎯 Savings Goals
   Need to save: 50,000 UZS/day
   Next deadline: Laptop in 45 days

Income & Assets

Log Income

finance income 5000000 "salary"
finance income 500k "freelance project"

Income types auto-detected: salary, freelance, business, investment, gift

Manage Assets

finance asset add "Bank Account" 10000000 cash
finance asset add "Stocks" 5000000 stocks
finance asset add "Bitcoin" 2000000 crypto
finance asset remove "Old Account"
finance asset list
finance portfolio          # Net worth summary

Asset types: cash, stocks, crypto, realestate, savings, investments

Analysis

finance trends [days]      # Spending patterns over time
finance compare [days]     # Compare current vs previous period
finance budget <daily>     # Check against daily budget

Budget Check

finance budget 100k

Shows:

• Today's spending vs budget
• Week's spending vs weekly budget (7x daily)
• Remaining amounts
• Over-budget warnings

Categories

Auto-detected from description:

Data Storage

All data stored locally in ~/.finance-tracker/:

~/.finance-tracker/
├── transactions.json     # All expenses
├── FINANCE_LOG.md        # Human-readable log
├── portfolio.json        # Assets
├── income.json           # Income records
├── recurring.json        # Recurring expenses
├── goals.json            # Savings goals
└── exchange_rates.json   # Cached rates

Export

finance export csv
finance export json

Telegram Integration

For quick logging in chat, common patterns:

"spent 50k lunch" → finance add 50000 "lunch"
"taxi 15k"        → finance add 15000 "taxi"
"coffee 8k"       → finance add 8000 "coffee"

Heartbeat Integration

Add to your HEARTBEAT.md for automated processing:

## Finance (daily)
- Run: finance recurring process
- Run: finance summary

Complete Command Reference

EXPENSES:
  finance add <amt> "<desc>"        Log expense
  finance undo                      Remove last
  finance edit <id> [--amount=X]    Edit transaction
  finance delete <id>               Delete transaction
  finance report [period]           Spending report
  finance recent [n]                Recent transactions
  finance search "<query>"          Search

RECURRING:
  finance recurring                 List all
  finance recurring add ...         Add subscription
  finance recurring remove <id>     Remove
  finance recurring process         Log due items
  finance recurring due             Show due today

GOALS:
  finance goal                      List goals
  finance goal add "<name>" <target> [--by=DATE]
  finance goal update "<name>" <amt>
  finance goal set "<name>" <amt>
  finance goal remove "<name>"

CURRENCY:
  finance rates [currency]          Exchange rates
  finance convert <amt> <from> <to>
  finance currency [code]           Get/set currency

INCOME & ASSETS:
  finance income <amt> "<desc>"
  finance asset add/remove/list
  finance portfolio

ANALYSIS:
  finance insights                  Smart analysis
  finance summary                   Daily summary
  finance digest                    Weekly digest
  finance trends [days]
  finance compare [days]
  finance budget <daily>

OTHER:
  finance categories
  finance export [csv|json]
  finance help

Tips

1. Use 'k' for thousands — 50k is faster than 50000
2. Currency prefix — $50 auto-converts
3. Daily recurring check — run finance recurring process in heartbeat
4. Weekly insights — run finance digest for summaries
5. Goal tracking — update goals when you save money
6. Budget alerts — run finance budget 100k to stay on track

Made with 🦞 by Salen