openclaw-ledger

name	openclaw-ledger
description	Personal financial tracking skill for OpenClaw. Automatically detects expenses and income from conversations and payment screenshots. Use when: - User mentions money/spending (any language) - User shares payment screenshots (WeChat Pay, Alipay, etc.) - User asks about finances ("How much did I spend?", "My budget") - User wants expense reports ("Monthly summary", "Spending analysis")
metadata	{"version":"1.0.0","author":"CaySon","platform":"openclaw"}
depends	["agent-browser (optional, for screenshot OCR)"]
data_storage	{"ledger_file":"E:\\workspace\\ledger\\ledger.yaml","budget_file":"E:\\workspace\\ledger\\budget.yaml","transactions_file":"E:\\workspace\\ledger\\transactions.md"}
export_to_memory	true
cron_enabled	true

OpenClaw Ledger: Personal Financial Tracking

OpenClaw Ledger automatically extracts financial transactions from your conversations and payment screenshots, providing zero-effort expense tracking.

Core Capabilities

Feature	Description
Semantic Expense Detection	AI identifies spending mentions in natural conversation
Screenshot Recognition	Extracts transaction data from payment app screenshots
Smart Categorization	Auto-categorizes based on merchant and context
Budget Tracking	Monthly budget alerts and progress visualization
Financial Insights	Pattern analysis for spending habits
Query Support	Real-time natural language financial inquiries
Daily/Weekly/Monthly Reports	Automated financial summaries

Quick Start

1. First Time Setup

# Create ledger directory
New-Item -Path E:\workspace\ledger -ItemType Directory -Force

# Set your monthly budget (CNY)
# Just tell me: "Set my monthly budget to 5000"

2. Daily Usage

Add expenses by conversation:

• "今天花了150块吃火锅"
• "买了件衣服800"
• "工资到账15000"

Add expenses by screenshot:

• Share a WeChat Pay/Alipay payment screenshot
• I'll automatically extract: amount, merchant, category

Query your finances:

• "这个月花了多少？"
• "餐饮支出是多少？"
• "还剩多少预算？"

Data Storage

E:\workspace\ledger\
├── ledger.yaml          # Structured transaction data (YAML)
├── budget.yaml          # Budget configuration
├── transactions.md      # Human-readable transaction history
└── reports\            # Generated reports
    ├── daily\          # Daily summaries
    └── monthly\        # Monthly reports

Transaction Schema

transactions:
  - id: "20260406_001"
    type: expense              # expense | income | transfer
    amount: 150.00
    currency: CNY
    category: food             # See category list
    category_detail: restaurant
    merchant: "海底捞"
    description: "火锅聚餐"
    timestamp: "2026-04-06T12:30:00+08:00"
    source: conversation       # conversation | screenshot
    confidence: 0.95
    people: ["同事A", "同事B"]  # If shared expense
    notes: "团队午餐"
    
  - id: "20260406_002"
    type: income
    amount: 15000.00
    currency: CNY
    category: income
    description: "4月工资"
    timestamp: "2026-04-05T10:00:00+08:00"
    source: conversation
    confidence: 1.0

Category System

ID	Name (CN)	Name (EN)	Icon
food	餐饮	Food & Dining	🍜
transport	交通	Transportation	🚗
shopping	购物	Shopping	🛒
entertainment	娱乐	Entertainment	🎬
utilities	账单	Utilities	📱
housing	居住	Housing	🏠
health	健康	Health	💊
education	教育	Education	📚
personal	个护	Personal Care	💈
subscription	订阅	Subscriptions	🔄
transfer	转账	Transfers	💸
income	收入	Income	💰
other	其他	Other	📦

Supported Payment Platforms

Platform	Region	Key Indicators
WeChat Pay	China	绿色, "支付成功", ¥XX
Alipay	China	蓝色, "付款成功", ¥XX
Apple Pay	Global	Wallet UI, card
Bank Apps	Various	Bank logo, transaction confirm

Query Examples

Query (CN)	Query (EN)	Response
今天花了多少	How much did I spend today?	Daily total + breakdown
这周支出了多少	Weekly expenses?	Weekly summary
本月花费	Monthly spend	Monthly report
餐饮支出	Food expenses	Category breakdown
还剩多少预算	Budget remaining?	Budget status
星巴克消费	Starbucks transactions	Merchant history
对比上周	vs last week	Comparison report

Budget Configuration

budget:
  monthly: 5000.00
  currency: CNY
  categories:
    food: 1500.00      # 30%
    transport: 500.00  # 10%
    shopping: 1000.00  # 20%
    other: 2000.00     # 40%
  alert_threshold: 0.8  # Alert at 80%

Report Templates

Daily Report

## 💰 2026-04-06 财务日报

### 支出
- 🍜 12:30 海底捞火锅: ¥150.00
- 🚗 14:00 滴滴打车: ¥35.00
- 🛒 19:00 淘宝购物: ¥199.00

**今日支出:** ¥384.00
**本月累计:** ¥3,280.00 / ¥5,000.00 (66%)

### 💡 洞察
周末餐饮支出是工作日的3倍

Monthly Report

## 💰 2026年4月 财务月报

### 概览
| 项目 | 金额 |
|------|------|
| 总收入 | ¥15,000.00 |
| 总支出 | ¥8,234.00 |
| 结余 | ¥6,766.00 |
| 预算使用 | 165% |

### 分类明细
| 分类 | 金额 | 占比 |
|------|------|------|
| 🍜 餐饮 | ¥2,340 | 28% |
| 🛒 购物 | ¥1,890 | 23% |
| 🚗 交通 | ¥580 | 7% |
| ... | ... | ... |

Integration with OpenClaw

Trigger Keywords

Expense Detection:

• CN: "花了", "买了", "消费", "支出", "付了", "花费", "元", "块"
• EN: "spent", "bought", "paid", "cost", "expense", "$", "¥"

Income Detection:

• CN: "到账", "收入", "工资", "奖金", "报销", "收到了"
• EN: "got paid", "income", "salary", "received", "reimbursed"

Query Keywords:

• CN: "花了多少", "支出", "预算", "还剩", "统计"
• EN: "how much", "spent", "budget", "total", "expenses"

Cron Jobs (Optional)

Set up automated reports:

# Daily summary at 22:00
openclaw cron add \
  --name "Daily expense summary" \
  --cron "0 22 * * *" \
  --tz "Asia/Shanghai" \
  --message "Generate daily expense summary"

# Monthly report at 1st of month 09:00
openclaw cron add \
  --name "Monthly financial report" \
  --cron "0 9 1 * *" \
  --tz "Asia/Shanghai" \
  --message "Generate monthly financial report"

Privacy & Security

• All data stored locally in E:\workspace\ledger\
• No cloud upload (unless explicitly configured)
• Screenshots stored locally, paths referenced in ledger
• Sensitive data (full card numbers) masked

Next Steps

1. Tell me your monthly budget: "Set my budget to 5000"
2. Start sharing expenses naturally!
3. Ask for reports: "本月花了多少？"