What does this skill do, and when should you use it?
This is a personal finance management skill for the Agent Skills Protocol: 7 extensions, 75 tools, version 2.0.0, MIT-licensed. It aggregates bank accounts via Plaid, executes trades via Alpaca, monitors portfolios via IBKR, and ships a tax engine with 15 IRS form parsers and 8 calculators. All money math is done by deterministic tools rather than LLM arithmetic, and every trade or tax move must pass a policy check and approval gates. The repo claims 612 passing tests, but it depends on many third-party API keys, so setup effort and running costs are nontrivial.
Calls the Plaid API to pull balances, transactions, investments, and liabilities, then stores normalized snapshots; calls Alpaca to place/cancel orders and read positions and market data (live orders require human confirmation); reads positions, allocation, and NAV history through the IBKR Client Portal; runs a tax engine that parses W-2, 1099-B/DIV/INT, K-1, Form 1040, Schedules A-E/SE, 8949, and 6251, estimates liability, finds tax-loss-harvesting candidates, checks wash-sale compliance, compares FIFO/LIFO/specific-ID lots, and estimates quarterly payments, plus state tax for CA/NY/NJ/IL/PA/MA/TX/FL and AMT; fetches news, fundamentals, analyst ratings, and macro series from Finnhub, SEC EDGAR, FRED, BLS, and Alpha Vantage; pulls sentiment from StockTwits and X and congressional trading data from Quiver; performs anomaly detection (unusual transactions, balance drops, duplicate charges), subscription tracking, net worth and cash-flow summaries, and supports openclaw cron-based scans and weekly briefings.
- An individual with multiple bank and brokerage accounts who wants consolidated net worth and monthly cash flow via natural language
- A US stock investor looking for year-end tax-loss harvesting opportunities with automatic wash-sale checks and lot selection
- A taxpayer holding W-2s, 1099s, and K-1s who wants forms parsed and quarterly estimated taxes computed
- A multi-broker investor (Alpaca + IBKR) who wants allocation-drift monitoring with alerts when positions stray from target bands
- A retail researcher combining SEC filings, company news, StockTwits sentiment, and congressional trading disclosures for single-name analysis
- Anyone who wants a daily automated scan for unusual transactions, duplicate charges, and balance drops
How do you install this skill?
- This is a static source-only review; no code was executed, and confidence is low.
- The policy engine and approval gating are documented but their implementation was not present in the evidence; live-trading risk must be verified by the user.
- Core function depends entirely on overseas services (Plaid, Alpaca, IBKR, Finnhub, X); mainland-China network reachability is a substantive barrier and there is no Chinese-language support.
- Handles highly sensitive banking, brokerage and tax data; encryption, retention and rollback mechanisms are undisclosed.
- onboard.sh builds and registers plugins on the local machine; audit the script before running.
- Tax-calculation tools (liability, TLH, AMT, etc.) are unverified for accuracy; consult a qualified advisor for tax decisions.
- No CHANGELOG or named maintainer; long-term maintenance status unknown.
- Shell / CLI
- Network access
- Local filesystem
Node.js 18+TypeScript 5+OpenClaw runtime (for cron/plugin registration)Plaid / Alpaca / IBKR / Finnhub / FRED / BLS / Alpha Vantage / X API / Quiver API keys
Clone the repo and run the one-command onboard script: git clone https://github.com/6missedcalls/personal-finance-skill.git && cd personal-finance-skill && ./scripts/onboard.sh. The script installs dependencies, builds all 7 extensions, registers each as an OpenClaw plugin (openclaw plugins install -l), and symlinks the skill into ~/.openclaw/skills/. Alternatively install via npx skills add <owner>/personal-finance-skill (with -a claude-code -a cursor -a codex to target specific agents). Then export only the API keys you need (PLAID_CLIENT_ID/SECRET, ALPACA_API_KEY/SECRET, IBKR_BASE_URL, FINNHUB_API_KEY, FRED_API_KEY, etc.). Installation details for agents other than OpenClaw are not fully documented in the source.
git clone --depth 1 https://github.com/6missedcalls/personal-finance-skill.git ~/.claude/skills/personal-finance-skillGenerated from the source repository and skill path; it copies only this skill's folder. If the author's install steps above differ, follow those first. To scope it to one project, replace ~/.claude/skills with that project's .claude/skills.
How do you use this skill?
Once installed, send your agent any of these to trigger it:
- compute my net worth and this month's savings rate
- find tax-loss harvesting candidates in my portfolio and check wash-sale risk
- parse my 1099-B and estimate this year's tax liability
- Finance Weekly Brief
Trigger it with natural language, e.g. "compute my net worth and this month's savings rate", "find tax-loss harvesting candidates in my portfolio and check wash-sale risk", or "parse my 1099-B and estimate this year's tax liability". For automation, e.g. a weekly brief: openclaw cron add --name "Finance Weekly Brief" --cron "0 8 * * 1" --message "Sync all providers, compute net worth delta, generate a brief". Every order, transfer, or tax move passes finance_policy_check first; Alpaca can run in paper mode (ALPACA_ENV=paper) for rehearsal.
What are this skill's strengths and limitations?
- Unusually broad coverage: 75 tools spanning banking, trading, portfolio, tax, market intel, and social sentiment on one canonical data model
- Enforced deterministic math — tax amounts, P/L, and net worth are never LLM arithmetic, reducing hallucinated numbers
- Built-in policy engine and approval gates; live trades always require explicit human confirmation, backed by 8 hard guardrails
- Deep tax engine: 15 form parsers plus 8 calculators including AMT, 8 state tax computations, and wash-sale validation
- Repo claims 612 passing tests with extensive references/ documentation
- Requires up to 9 third-party API keys, many with paid tiers — real running costs
- Cron scheduling and plugin registration are tied to the OpenClaw runtime; other users must adapt cron themselves
- IBKR depends on a local Client Portal Gateway needing a ~1-minute heartbeat (ibkr_tickle) — noticeable operational burden
- Trading only supports Alpaca and IBKR; no other brokers, and state tax covers only 8 states
- The 612-test claim is self-reported in the README with no independent verification; docs explicitly state outputs are not financial advice
How does this skill compare with similar options?
Side by side with related skills; every score comes from the same FSRS standard.
| Skill | FS score | Stars | Last updated | License |
|---|---|---|---|---|
| Personal Finance Skill (AI-Powered Personal CFO) this page | 50 · Use with care | ★ 25 | 8mo ago | MIT |
| Global Stock Data — Full-Stack US & HK Market Data Skill | 62 · Recommended | ★ 1.7k | 14d ago | Apache-2.0 |
| Claw-Screener Stock Screener | 51 · Use with care | ★ 10 | 4mo ago | MIT |
| Investment Masters | 50 · Use with care | ★ 634 | 1mo ago | MIT |
| Retail Hype Tracker (Skill 3.1) | 41 · Not recommended | ★ 2.1k | 2mo ago | AGPL-3.0 |
The README positions this skill against "most AI finance tools that hallucinate numbers", emphasizing deterministic math and mandatory policy checks. It also claims compatibility with 40+ AI agents (Claude Code, Cursor, Codex, Windsurf, etc.) via the Agent Skills Protocol — its differentiation versus single-platform finance plugins. The source names no other specific competitors.
How did FollowSkills review this skill?
Positives: SKILL.md mandates finance_policy_check before side effects, explicit live-trade confirmation, no credential exposure, paper-env default, clear risk tiers. Deductions: policy engine implementation not present in evidence — only documented promise; handles highly sensitive banking/brokerage/tax data with no encryption, retention or rollback disclosure; onboard.sh requires running an unaudited script; publisher unverified.
Positives: repo contains real vitest suites for alpaca-trading and finance-core covering order confirmation, limits, idempotent storage and normalization, with specific error messages. Deductions: static review cannot execute; tax-engine (23 tools, largest extension) has no test evidence; the '612 passing' claim is unverifiable; failure feedback only partially visible.
Positives: explicit trigger scenarios and 9 workflows, clear tool catalog, extensions usable independently. Deductions: no declared non-fit boundaries; all core function depends on overseas services (Plaid, Alpaca, IBKR, Finnhub, X) with no Chinese-language support — a substantive mainland-China reachability barrier, disclosed and deducted here.
Positives: MIT license, version 2.0.0, layered documentation (SKILL.md → references/ → api-*.md), onboarding script, developer guide. Deductions: no CHANGELOG, no named maintainer or update path, author listed only as 'contributors', incomplete versioning governance.
Positives: clear design goals (deterministic math, policy gating, snapshot storage), workflows map directly to user tasks, marginal value over manual tracking plausible. Deductions: static review cannot verify output correctness or direct usability; tax-calculation accuracy (a high-stakes domain) lacks independent evidence; cost/benefit unargued given multiple paid API credentials.
Positives: auditable test source code as primary material, README states test counts and run commands. Deductions: no visible CI workflow, passing status not independently reproducible, coverage claims (55+ files) unverifiable, marketing claims (40+ agent compatibility) unsupported.
Open a dimension to read why it scored that way
Evidence confidence：Low — Mostly static review, author material or a limited demo; useful for discovery, not high-risk decisions.
See the full review method →