财务追踪器 v2.0

完整的个人财务管理。追踪支出、定期订阅、储蓄目标、多货币支持和智能洞察。

安装

clawdhub install finance-tracker

或添加到系统路径：

export PATH="$PATH:/path/to/finance-tracker/bin"

快速开始

# Log an expense
finance add 50k "lunch at cafe"

# Log with currency conversion
finance add $20 "online purchase"

# See what you spent
finance report week

# Get smart insights
finance insights

核心命令

添加支出

finance add <amount> "<description>"

金额格式：

• 50000— 纯数字
• 50k— 带k后缀（= 50,000）
• $50— 美元，自动转换为您的货币
• €100— 欧元
• 100 USD— 明确指定货币

示例：

finance add 50000 "lunch"
finance add 50k "groceries"
finance add $25 "Netflix subscription"

撤销与编辑

# Remove last transaction
finance undo

# Edit a transaction
finance edit <id> --amount=60000
finance edit <id> --desc="dinner with friends"
finance edit <id> --category=food

# Delete specific transaction
finance delete <id>

查看与搜索

finance report [period]    # today, week, month, year, all
finance recent [n]         # last n transactions
finance search "food"      # search by keyword

🔄 定期支出

追踪自动重复的订阅和账单。

添加定期项目

finance recurring add <amount> "<description>" <frequency> [--day=N]

频率：每日、每周、每两周、每月、每季度、每年

示例：

finance recurring add 110k "mobile provider" monthly --day=1
finance recurring add 50k "Netflix" monthly
finance recurring add 200k "gym membership" monthly --day=15

管理定期项目

finance recurring              # List all
finance recurring list         # Same as above
finance recurring due          # Show what's due today
finance recurring process      # Auto-log all due expenses
finance recurring remove <id>  # Deactivate

运作方式

• 定期支出会追踪下一次到期日
• 运行财务定期处理流程每日（或按照心跳频率）自动记录
• 每笔记录的支出都会显示在您的常规交易中
• 月度总额显示在定期报告中

🎯 储蓄目标

设定目标并追踪财务目标的进展。

添加目标

finance goal add "<name>" <target> [--by=DATE] [--current=X]

示例：

finance goal add "New Laptop" 5000000 --by=2026-06-01
finance goal add "Emergency Fund" 10000000
finance goal add "Vacation" 3000000 --by=2026-08-01 --current=500000

追踪进度

# Add to goal (increment)
finance goal update "Laptop" 500k

# Set exact amount
finance goal set "Laptop" 2000000

# View all goals
finance goal
finance goal list

目标功能

• 截止日期追踪——显示剩余天数
• 每日/每周/每月目标——为达成截止日期需储蓄的金额
• 优先级等级— 高、中、低
• 完成度追踪— 达成目标时庆祝！

💱 多币种支持

实时汇率自动货币转换。

查看汇率

finance rates              # Show all common rates
finance rates USD          # Specific currency rate
finance rates EUR

转换

finance convert 100 USD UZS
finance convert 50 EUR USD

支出自动转换

# These auto-convert to your default currency (UZS)
finance add $50 "Amazon purchase"
finance add €30 "App subscription"
finance add 100 USD "Online course"

设置默认货币

finance currency         # Show current
finance currency USD     # Change default

汇率缓存：汇率每6小时自动刷新。

💡 智能洞察

AI驱动的支出分析与提醒。

finance insights    # Full insights report
finance summary     # Quick daily summary
finance digest      # Weekly digest

洞察显示内容

• 支出速度— 每日/每周/每月平均值
• 周期对比— 本周与上周对比
• 类别变化— 哪些类别上升/下降
• 异常检测— 标记异常大额支出
• 目标进度— 每日应储蓄金额
• 定期到期款项— 今日到期的订阅

示例输出

💡 Smart Insights
━━━━━━━━━━━━━━━━━━━━━

📈 Spending Velocity
   Daily avg: 85,000 UZS
   This month so far: 1,200,000 UZS
   Projected month total: 2,550,000 UZS

📊 This Week vs Last Week
   📈 Spending UP 23%
   This week: 595,000 UZS
   Last week: 484,000 UZS

🏷️ Notable Category Changes
   🍔 food: ↑ 45%
   🚗 transport: ↓ 20%

⚠️ Alerts
   • Unusually large expense: 350,000 on electronics

🎯 Savings Goals
   Need to save: 50,000 UZS/day
   Next deadline: Laptop in 45 days

收入与资产

记录收入

finance income 5000000 "salary"
finance income 500k "freelance project"

自动检测的收入类型：工资、自由职业、商业、投资、礼物

管理资产

finance asset add "Bank Account" 10000000 cash
finance asset add "Stocks" 5000000 stocks
finance asset add "Bitcoin" 2000000 crypto
finance asset remove "Old Account"
finance asset list
finance portfolio          # Net worth summary

资产类型：现金、股票、加密货币、房地产、储蓄、投资

分析

finance trends [days]      # Spending patterns over time
finance compare [days]     # Compare current vs previous period
finance budget <daily>     # Check against daily budget

预算检查

finance budget 100k

显示：

• 今日支出 vs 预算
• 本周支出 vs 周预算（每日预算的7倍）
• 剩余金额
• 超支警告

类别

根据描述自动检测：

数据存储

所有数据本地存储于~/.finance-tracker/导出

~/.finance-tracker/
├── transactions.json     # All expenses
├── FINANCE_LOG.md        # Human-readable log
├── portfolio.json        # Assets
├── income.json           # Income records
├── recurring.json        # Recurring expenses
├── goals.json            # Savings goals
└── exchange_rates.json   # Cached rates

Telegram 集成

finance export csv
finance export json

用于聊天中的快速记录，常用模式：

心跳集成

"spent 50k lunch" → finance add 50000 "lunch"
"taxi 15k"        → finance add 15000 "taxi"
"coffee 8k"       → finance add 8000 "coffee"

添加到您的 HEARTBEAT.md 文件以实现自动化处理：

完整命令参考

## Finance (daily)
- Run: finance recurring process
- Run: finance summary

提示

EXPENSES:
  finance add <amt> "<desc>"        Log expense
  finance undo                      Remove last
  finance edit <id> [--amount=X]    Edit transaction
  finance delete <id>               Delete transaction
  finance report [period]           Spending report
  finance recent [n]                Recent transactions
  finance search "<query>"          Search

RECURRING:
  finance recurring                 List all
  finance recurring add ...         Add subscription
  finance recurring remove <id>     Remove
  finance recurring process         Log due items
  finance recurring due             Show due today

GOALS:
  finance goal                      List goals
  finance goal add "<name>" <target> [--by=DATE]
  finance goal update "<name>" <amt>
  finance goal set "<name>" <amt>
  finance goal remove "<name>"

CURRENCY:
  finance rates [currency]          Exchange rates
  finance convert <amt> <from> <to>
  finance currency [code]           Get/set currency

INCOME & ASSETS:
  finance income <amt> "<desc>"
  finance asset add/remove/list
  finance portfolio

ANALYSIS:
  finance insights                  Smart analysis
  finance summary                   Daily summary
  finance digest                    Weekly digest
  finance trends [days]
  finance compare [days]
  finance budget <daily>

OTHER:
  finance categories
  finance export [csv|json]
  finance help

使用 'k' 表示千位

1. —50k比50000更快捷
2. 货币前缀—$50会自动转换
3. 每日定期检查— 运行finance recurring process于心跳中
4. 每周洞察— 运行finance digest以获取摘要
5. 目标追踪— 存钱时更新目标
6. 预算提醒— 执行财务预算 10万元以保持正轨

由 Salen 用 🦞 制作