watch-my-money

What This Skill Does

watch-my-money is a powerful OpenClaw agent skill designed to transform raw financial transaction data into actionable intelligence. By processing CSV exports or pasted text directly from your bank or budgeting software, it normalizes transaction data, categorizes spending, and tracks progress against your defined monthly budgets. The tool doesn't just list expenses; it actively monitors for anomalies, such as unexpected spikes in specific categories, subscription price creep, or new, large merchant charges. The end result is a polished, interactive HTML report that summarizes your financial health, complete with privacy toggles and a clear view of your net cash flow.

Installation

To integrate this skill into your OpenClaw environment, execute the following command in your terminal:

clawhub install openclaw/skills/skills/andreolf/watch-my-money

Ensure that Python is installed on your system, as the skill leverages local CLI scripts to handle data parsing, storage of budget states, and generation of HTML reports within your home directory.

Use Cases

• Monthly Reconciliation: Quickly import your monthly credit card statement to see exactly where your money went.
• Budget Enforcement: Define strict limits for categories like 'eating_out' or 'shopping' and receive alerts when you hit 80%, 100%, or 120% of your allowance.
• Subscription Auditing: Identify recurring monthly charges and detect when a subscription price has silently increased by more than 20%.
• Financial Health Monitoring: Use the 'compare' feature to track changes in spending habits across different months to see if your efforts to reduce expenses are working.

Example Prompts

1. "OpenClaw, please analyze my transactions.txt file from January 2026 and generate an HTML report with a default currency of CHF."
2. "I need to update my monthly budget. Set my groceries limit to 600 CHF and check if I've exceeded it this month."
3. "Compare my spending habits from December 2025 to January 2026 and highlight any major anomalies in my utility bills."

Tips & Limitations

To maximize the effectiveness of this skill, ensure your CSV exports are clean. While the tool supports many date formats, maintaining a consistent YYYY-MM-DD format provides the most reliable parsing. When the system flags ambiguous merchants, take the time to confirm the category; the system saves these as overrides, meaning the agent gets smarter the more you use it. Note that this tool operates locally and does not fetch data directly from your bank's API, ensuring your financial credentials remain private and secure.