| name | finance-report-pdf |
| description | 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. |
/finance report-pdf — PDF Financial Plan Generator
DISCLAIMER: For educational/informational purposes only. Not financial advice.
Purpose
Compile all the FINANCE-*.md markdown analyses in the current working directory into a single polished PDF that an advisor, family member, or accountability partner can read end-to-end.
When To Trigger
- User types
/finance report-pdf or /finance pdf
- User asks "make a PDF report", "give me a client-ready document", "export my financial plan"
- After running
/finance analyze (suggest this as the natural follow-up)
Prerequisites
Before generating, ensure the user has at least one analysis file in the current working directory:
FINANCE-ANALYSIS.md (from /finance analyze) — primary inputFINANCE-BUDGET.mdFINANCE-DEBT.mdFINANCE-RETIREMENT.mdFINANCE-PORTFOLIO.mdFINANCE-EMERGENCY.mdFINANCE-NETWORTH.mdFINANCE-GOALS.mdFINANCE-COMPARE.mdFINANCE-SCREEN.mdFINANCE-FIRE.mdFINANCE-TAXES.md
If no files are found, prompt user to first run /finance analyze or /finance quick.
Process
Step 1: Scan for Source Files
ls FINANCE-*.md
Read every file found. The Python generator script also performs its own scan; Claude pre-reads to validate content quality and surface any obvious gaps before generating.
Step 2: Extract Data
Pull from the markdown files:
- Composite Financial Health Score (0-100) and letter grade
- Sub-scores for each of the 5 categories (Cash Flow, Debt, Investments, Retirement, Protection)
- Key financial data points:
- Monthly income / expenses / surplus
- Savings rate
- Net worth
- Total debt and DTI
- Emergency fund months covered
- Retirement projected balance vs needed
- Asset allocation
- Action items (ranked by priority)
- User name / household name (if provided)
- Date generated
Step 3: Run the PDF Generator
Execute:
Bash(python3 scripts/generate_finance_pdf.py --data data/reports/finance-plan.json --output data/reports/FINANCE-PLAN.pdf)
The script reads all FINANCE-*.md files from the current working directory, parses the structured sections, and assembles a PDF using ReportLab.
If the script is missing or errors, gracefully fall back to a markdown-only consolidated report named FINANCE-PLAN.md and inform the user.
Step 4: Confirm Output
After generation:
- Verify
FINANCE-PLAN.pdf exists in the current working directory
- Report file size and page count to user
- Suggest sharing it with their financial advisor / CPA
PDF Structure
The generator produces the following sections:
Cover Page
- Title: "Personal Financial Plan"
- User / household name
- Date
- Composite Financial Health Score gauge (visual 0-100 dial)
- Letter grade (A+ to F)
- One-line signal ("Excellent — minor optimizations only")
- Disclaimer footer
Page 2: Executive Summary
- Top 3 strengths
- Top 3 priority gaps
- This quarter's focus (single sentence)
- Key numbers table:
- Net worth
- Monthly surplus
- Savings rate
- DTI
- Emergency months
Page 3: Financial Health Score Breakdown
- Bar chart of 5 category scores
- Each category: score / weight / what-it-measures / signal
Page 4: Cash Flow & Budget
- Income vs Expenses chart
- Top 5 expense categories
- Surplus trend
- Recommended budget adjustments
Page 5: Debt Profile
- Total debt by type (table)
- Average APR
- Payoff timeline (avalanche method)
- Interest cost over current trajectory vs accelerated
Page 6: Retirement Outlook
- Years to retirement
- Current balance vs age benchmark
- Projected balance at retirement (3 scenarios: conservative / moderate / aggressive)
- Needed balance for desired lifestyle
- Gap analysis
- Recommended contribution rate
Page 7: Investment Portfolio
- Current allocation pie chart
- Recommended allocation pie chart
- Drift / rebalancing needs
- Expense ratio analysis
- Diversification score
Page 8: Financial Protection
- Emergency fund status
- Insurance coverage matrix (health, life, disability, auto, home)
- Estate planning checklist (will, beneficiaries, POA, healthcare directive)
- Gaps and priority fills
Page 9-10: Action Plan
- 30-day priorities
- 90-day priorities
- 1-year priorities
- 5-year priorities
- Each action includes: specific dollar amount, specific account/vehicle, due date
Final Page: Disclosures & Glossary
- Full disclaimer
- Methodology notes
- Glossary of terms (DTI, SWR, ER, etc.)
- "Next steps" — when to consult professionals
Visual Design Standards
- Color palette: Blue (#1f4e79) primary, green for positive metrics, amber for warnings, red for critical
- Typography: Sans-serif for headings, serif for body
- Charts: Clean, minimal grid lines, labels in plain language
- Gauges: 0-100 scale with color-coded zones (red <40, amber 40-69, green 70+)
- Tables: Alternating row shading, right-align numbers, currency formatting with thousands separators
Tone & Language
- Plain English, not jargon-heavy
- Specific numbers, never vague ranges
- Empathetic on shortfalls, concrete on actions
- Confident on strengths
Error Handling
| Error | Response |
|---|
| No FINANCE-*.md files found | "Run /finance analyze or /finance quick first to generate input data." |
| Python script missing | Generate consolidated FINANCE-PLAN.md instead; tell user how to install ReportLab |
| ReportLab not installed | Instruct: pip3 install reportlab |
| Empty/malformed markdown | Skip that section, generate PDF without it, note in summary |
| PDF generation succeeds but file is < 50KB | Likely no data; warn user |
Customization Options
If the user wants to customize:
- Name on cover — Ask for household name to display
- Selective sections — Allow
/finance report-pdf --sections=debt,retirement to limit scope
- Branding — If advisor use, allow logo path injection
- Currency — Default USD; allow override
Example Invocation Flow
User: /finance report-pdf
Claude: Scanning current directory for FINANCE-*.md files...
Found: FINANCE-ANALYSIS.md, FINANCE-DEBT.md, FINANCE-RETIREMENT.md, FINANCE-BUDGET.md
Generating PDF...
[runs Bash(python3 scripts/generate_finance_pdf.py --data data/reports/finance-plan.json --output data/reports/FINANCE-PLAN.pdf)]
Done. Generated FINANCE-PLAN.pdf (12 pages, 487 KB).
Key takeaways:
- Financial Health Score: 72/100 (Grade B)
- Strongest area: Debt Management (88/100)
- Weakest area: Retirement Readiness (52/100)
- Top action: Increase 401k contribution from 6% to 12% to capture full match
Recommended next step: Share this PDF with your CPA before year-end tax planning.
DISCLAIMER: For educational/informational purposes only. Not financial advice.
Validation Checklist
Before declaring success, verify:
DISCLAIMER: For educational/informational purposes only. Not financial advice. The generated PDF compiles AI-produced analysis based on user-supplied data. Always consult a licensed financial advisor, CPA, or tax professional before making major financial decisions. Past performance does not guarantee future results.
