ai-finance-claude

Flagship orchestrator that launches 5 parallel agents (cashflow, debt, investments, retirement, protection) to produce a comprehensive financial health analysis with a composite Financial Health Score (0-100), letter grade (A+ through F), and a prioritized 90-day action plan. Use when the user says "/finance analyze", "full financial analysis", "financial health check", "analyze my finances", or any request for a complete financial picture.

Spending analysis and custom budget builder. Analyzes spending patterns using 50/30/20 rule, zero-based budgeting, or envelope method. Categorizes expenses, identifies waste, suggests cuts, and produces a 12-month budget. Use when the user says "/finance budget", "build me a budget", "analyze my spending", "where is my money going", or asks about expense optimization.

Side-by-side comparison of two financial scenarios (buy vs rent, new job vs stay, payoff house vs invest, Roth vs Traditional, lease vs buy car, etc). Projects each scenario over 10 years, compares total cost, opportunity cost, risk profile, and produces a structured recommendation. Output saved as FINANCE-COMPARE.md.

Debt payoff strategy generator. Compares avalanche (highest interest first) vs snowball (smallest balance first) methods, calculates payoff timelines and total interest saved, and recommends optimal payment allocation across multiple debts. Includes credit card consolidation and refinancing analysis. Use when the user says "/finance debt", "pay off my debt", "snowball or avalanche", "consolidation", or asks for any debt strategy.

Emergency fund analyzer. Calculates the right emergency fund size based on job stability, family structure, fixed expenses, dependents, and employee vs. business-owner status. Recommends where to keep it (HYSA, money market, T-bills, I-Bonds), how fast to build it, what counts as a true emergency, and how to replenish after use. Produces FINANCE-EMERGENCY.md.

FIRE (Financial Independence Retire Early) calculator covering Lean FIRE, Fat FIRE, Coast FIRE, and Barista FIRE. Calculates FI number, years to FIRE based on savings rate, geographic arbitrage opportunities, sequence of returns risk, and withdrawal strategies (4% rule, dynamic withdrawal, guard rails). Use when the user says "/finance fire", "financial independence", "retire early", "FI number", "Coast FIRE", or any early retirement question.

Financial goal planner. Takes any goal (house down payment, college fund, wedding, sabbatical, business launch, car, vacation) and builds the required savings amount, monthly contribution, timeline, investment vehicle recommendation, milestone checkpoints, and adjustment scenarios. Supports multiple simultaneous goals with prioritization logic. Produces FINANCE-GOALS.md.

Net worth tracker and milestone planner. Calculates current net worth, projects future net worth at retirement, tracks milestones ($100K, $250K, $500K, $1M, $5M, $10M), benchmarks against age-based wealth targets and percentile rankings, and applies the Millionaire Next Door formula. Identifies the user's current wealth accumulation phase and the next action that moves the needle. Produces FINANCE-NETWORTH.md.

Investment portfolio analyzer. Audits current allocation vs target, asset class diversification (stocks, bonds, real estate, alternatives), expense ratios, tax efficiency, rebalancing needs, factor tilts (value, momentum, quality), three-fund portfolio fit, target-date fund analysis, and Boglehead-style optimization. Produces FINANCE-PORTFOLIO.md with a portfolio score, specific rebalancing trades, and fund swap recommendations.

60-Second Financial Snapshot — fast assessment of financial health based on six core inputs (income, expenses, savings, debt, age, retirement goal). No subagents. Produces a compact terminal scorecard with savings rate, DTI ratio, emergency fund coverage, retirement on-track status, and top 3 priority actions in under 40 lines.

Professional PDF financial plan generator. Scans current working directory for FINANCE-*.md files, extracts scores and financial data, then runs the bundled Python ReportLab script to produce a polished, client-ready PDF with cover page, Financial Health Score gauge, score breakdown, cash flow, debt, retirement, portfolio, and prioritized action plan. Output: FINANCE-PLAN.pdf.

Retirement projection with Monte Carlo simulation logic. Calculates required nest egg via 4% rule and 25x expenses, projected vs needed gap, contribution recommendations, asset allocation by age, Social Security claim optimization, healthcare cost projections, and withdrawal sequence planning. Use when the user says "/finance retirement", "am I on track for retirement", "how much do I need to retire", "Social Security timing", or any retirement question.

Investment screener with pre-built strategies (Dividend Growth, 3-Fund Index, Bond Allocation, REITs, International Diversification, ESG) and custom criteria support. Returns curated ticker lists, allocation models, expected returns, expense ratios, and a recommended portfolio with rebalancing notes. Output saved as FINANCE-SCREEN.md.

Tax optimization strategies analyzer. Identifies high-impact tax savings across tax-loss harvesting, tax-advantaged accounts (401k, IRA, HSA), Roth conversions, backdoor and mega backdoor Roth, charitable giving, business deductions, capital gains harvesting, state tax minimization, and estate tax planning. Produces FINANCE-TAXES.md with prioritized strategies and estimated annual tax savings.