Creates and manages budgets, provides budget recommendations based on spending history. Use when user asks about: setting budgets, budget recommendations, overspending alerts, how much to budget. Triggers: 设置预算, 预算建议, 怎么设预算, 预算多少合适, 超支预警, 预算规划.
THE ONLY SKILL for analyzing WHERE money goes. Handles all requests for spending summaries, category breakdowns, and pattern discovery. Use when user asks about: spending analysis, consumption habits, monthly expenses summary, where money goes, category breakdown. Triggers: 分析消费, 本月消费, 消费分析, 消费习惯, 钱花哪了, 钱都去哪了, 各类消费, 消费总结.
Analyzes income vs expense balance and financial health scoring. Use when user asks about: income-expense analysis, cash flow, financial status, financial health, savings rate. Triggers: 收支分析, 收支平衡, 现金流, 财务状况, 财务健康, 财务评分, 存了多少钱.
Predicts future balance and simulates purchase impact on finances. Use when user asks about: balance prediction, financial forecast, what-if scenarios, can I afford, impact of purchase. Triggers: 余额预测, 财务预测, 下个月还剩多少, 如果买X, 能不能买, 买得起吗.
Handles fund transfers between accounts with intelligent fuzzy matching and interactive UI wizard. Use when user wants to transfer money, move funds between accounts, or reallocate assets. 关键词：转账、账户互转、资金划转、余额转移。
Manages shared ledgers for family or team collaboration, including shared account summaries, spending statistics, and member settlements. Use when user asks about shared expenses, family ledger, team budget, or joint accounts. 关键词：共享账本、家庭账单、团队支出、AA制。