Personal Finance OS

You open your bank app on the 3rd of the month and realize you spent $840 on dining last month, your car insurance auto-renewed at $197 before you noticed, and you have no idea whether your savings rate is above or below 10% — because the number only lives in your head. You have accounts at four banks, a 401(k) you last logged into eight months ago, and a spreadsheet you built in 2021 that hasn't been touched since February.

Personal Finance OS is a structured OpenClaw skill that walks you through building and maintaining a complete personal financial operating system. It establishes your net worth baseline in NET_WORTH.md, sets up a zero-based budget by category in BUDGET.md, creates a bill calendar with due-date alerts in BILLS.md, runs a subscription audit against your actual bank statements, calculates your savings rate, tracks debt payoff using both avalanche and snowball methods in DEBT_TRACKER.md, and runs a monthly financial review that generates MONTHLY_REVIEW_[YYYY-MM].md each cycle.

What you get: SKILL.md (the full operational workflow), LISTING.md (this file), MANIFEST.json (product metadata).

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Pricing Rationale

At $29, this skill replaces the need to buy a personal finance app subscription ($8-15/month) or hire a financial coach for an initial setup session ($150-300/hour). The workflow is reusable indefinitely and adapts to any income level or account structure.

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Works Great With

• Tax Optimization Engine — coordinates with monthly finance data to flag deductible expenses as you categorize them
• Investment Research Hub — links portfolio performance data into the net worth tracker
• Real Estate Deal Analyzer — feeds household income and savings rate into property affordability calculations

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Version History

• v1.0.0 — Initial release