personal-cfo

name	personal-cfo
description	CLI-first retirement glide path financial analyzer
version	0.1.0
metadata	{"openclaw":{"emoji":"📊","homepage":"https://github.com/notoriouslab/personal-cfo","requires":{"bins":["python3"],"pip":["pyyaml"]}}}

personal-cfo

Turns bank statements (CSV or Markdown+JSON) into financial three-statements plus retirement glide path diagnosis.

Commands

Monthly Financial Audit (CFO mode)

# From CSV
python -m personal_cfo cfo --transactions ./data.csv --period 2026-01 --config config.yaml --offline

# From doc-cleaner Markdown directory
python -m personal_cfo cfo --transactions ./statements/ --period 2026-01 --config config.yaml --offline --quiet

Retirement Track Check

python -m personal_cfo track --snapshots ./output/snapshots/ --config config.yaml

Full Pipeline (with gmail-statement-fetcher + doc-cleaner)

# Step 1: Fetch bank PDFs from Gmail
python fetcher.py --output-dir ./downloads

# Step 2: Convert to Markdown + JSON
python cleaner.py --input ./downloads --ai gemini --output-dir ./cleaned

# Step 3: Compute financial reports
python -m personal_cfo cfo --transactions ./cleaned --period 2026-01 --offline

Output

• financial_report_{period}.md — Full financial report (IS + BS + CF + market + glide path)
• snapshots/{period}_asset_snapshot.json — Asset snapshot for track mode

Exit Codes

Code	Meaning
0	Success
1	Error (no data, invalid config, etc.)

Notes

• Requires config.yaml (copy from config.example.yaml)
• Use --offline to skip yfinance market data fetch
• Use --quiet to suppress stdout (agent-friendly)
• Output is deterministic Markdown — no AI, no hallucination