bill-tracker

What This Skill Does

The bill-tracker skill acts as a personal financial gateway for OpenClaw users, enabling the AI to interact directly with your private financial data. By leveraging a secure session-token-based API, it allows the agent to retrieve real-time insights regarding upcoming financial obligations, current account balances across multiple institutions, and data-driven assessments on whether a specific purchase is affordable within your set financial horizon. It automates the tedious process of logging into various banking portals or apps to calculate whether you can afford an upcoming expense.

Installation

To install this skill, use the ClawHub command line interface. Ensure your system has the necessary environment variables configured for your Bill Tracker instance before executing: clawhub install openclaw/skills/skills/danielsimons1/bill-tracker

After installation, make sure to set the BILL_TRACKER_URL and BILL_TRACKER_SESSION_TOKEN in your environment configuration to enable the agent to authenticate with your data provider.

Use Cases

• Proactive Bill Management: Stay ahead of monthly expenses by asking the AI to summarize all transactions due in the next 7 days.
• Portfolio Monitoring: Get an instant snapshot of your net worth, including total cash available versus outstanding debt across all linked accounts.
• Spending Confidence: Use the affordability check before making major purchases to ensure you remain within your budget constraints over a specific timeframe, such as the next 90 days.

Example Prompts

1. "Check my finances: what bills do I have coming up in the next week?"
2. "Can I afford to buy a new laptop for $1,200 right now based on my current cash flow?"
3. "Show me the current balance of all my accounts and tell me my total net balance."

Tips & Limitations

• Authentication: The skill relies on magic-link authentication. If your session expires, you must re-authenticate via the request-code and token endpoints to refresh your session token.
• Data Privacy: Ensure that the BILL_TRACKER_URL you point to is trusted, as this skill facilitates the retrieval of sensitive financial information.
• Accuracy: Affordability checks are based on predicted transaction data. Always review the raw data for significant discrepancies if you are managing high-volume, variable income or expenses. Codes sent via email expire within 10 minutes, so be prepared to verify quickly when setting up the initial connection.