Ledger 记账 投资

Overview#

A natural-language expense tracker for everyday spending, plus investment tracking for stocks/funds/ETFs. Just say "lunch cost 50 today" — the agent parses and appends a CSV row to your ledger. No database, no cloud sync, just one CSV file.

What this skill is good at:

• 📝 Natural-language logging — record an expense with one sentence
• 📊 Spending queries — by month, by category, by account
• 💰 Multi-account balances — WeChat Pay, Alipay, bank card, cash
• 📐 Budget management — set monthly caps per category, get overspend alerts
• 📈 Monthly reports — income/expense breakdown with visual ASCII chart
• 🎯 Savings goals — track progress toward a target (trip, emergency fund)
• 💹 Investment tracking — buy/sell stocks & funds, portfolio P&L, optional live quotes

What this skill is NOT:

• ❌ Not an investment advisor (no stock picks, no market predictions)
• ❌ Not a tax planner
• ❌ Not a bank sync tool (no automatic transaction import)

---

Quick Start#

Just tell the agent something like:

text

今天中午吃了碗面花了25
昨天打车23.5
工资到账8000
买了件外套299，支付宝付的

The agent will:

1. Parse date / amount / category / description / account from your sentence
2. Append a row to ~/.openclaw/workspace/data/ledger/default.csv
3. Show you the updated balance

Default account is WeChat Pay if you don't specify one.

---

Core Features#

1. 📝 Natural-language logging#

More examples:

• "今天中午吃饭花了50块"
• "昨天打车花了23.5"
• "工资到账8000"
• "充话费30"
• "买了一件外套299，用支付宝付的"
• "给小王转了200"

Batch logging:

text

今天花了：早餐15、打车30、午饭45

Confirm-then-write: the agent shows the parsed entry before appending.

Parsed fields:

FieldDefaultNotesdatetodaysupports "today", "yesterday", "last Wednesday"amountrequireddecimal allowedcategoryauto-inferredfrom keyword list (see references)descriptionauto-extractedbrief summaryaccount微信钱包WeChat Pay default

2. 📊 Spending queries#

• "这个月花了多少" — total spending this month
• "上个月餐饮多少钱" — by category, by month
• "最近的账单" — recent transactions
• "我的余额" / "各账户余额" — account balances

Output format:

text

📊 2026年5月 餐饮支出
日期        金额      描述
2026-05-01  ¥50.00   午餐
2026-05-03  ¥128.00  火锅
...
合计        ¥238.00

3. 💰 Account balance management#

• View: "微信钱包还有多少"
• Initialize: "微信钱包初始余额1000"
• Adjust: "银行卡余额修正为5000"

Balance = initial balance + sum(income) − sum(expense)

4. 📐 Budget management#

bash

python3 scripts/budget.py <ledger.csv> --set 餐饮 2000
python3 scripts/budget.py <ledger.csv> --progress 2026-05
python3 scripts/budget.py <ledger.csv> --alert 2026-05
python3 scripts/budget.py <ledger.csv> --template 15000   # 50/30/20 rule
python3 scripts/budget.py <ledger.csv> --list
python3 scripts/budget.py <ledger.csv> --remove 餐饮

See references/budget_guide.md for details.

5. 📈 Monthly report#

bash

python3 scripts/generate_report.py ./default.csv --month 2026-05
python3 scripts/generate_report.py ./default.csv --month 2026-05 --output report.txt

Output includes: income/expense summary, top 5 categories (ASCII bar chart), daily average, biggest single expense, vs last month delta, brief suggestions.

6. 🎯 Savings goals#

bash

goal.py create "旅行基金" 10000 2026-12-31
goal.py deposit "旅行基金" 2000
goal.py progress "旅行基金"
goal.py list
goal.py delete "旅行基金"    # ⚠️ requires typing "删除" to confirm

See references/goal_guide.md.

7. 💹 Investment tracking#

⚠️ Network: investment features (code lookup + live quotes) require akshare (pip install) and explicit --allow-network flag. All other features are offline.

Quick commands:

bash

# Buy (auto-lookup code by name, requires Y/N confirm)
invest.py --buy "有色金属ETF南方" auto 3100 2.07 2026-01-10 --allow-network

# Buy (manual code)
invest.py --buy "沪深300ETF" 510050 100 3.50 2026-01-15

# Sell
invest.py --sell "沪深300ETF" 510050 500 4.00 2026-03-01

# Portfolio (offline, uses last-set prices)
invest.py --portfolio

# Portfolio with auto-refresh quotes (needs network opt-in)
invest.py --portfolio --auto-refresh

# Total P&L
invest.py --summary

# Single quote
invest.py --quote 601138 --allow-network

Full command reference: references/invest_api.md.

Auto-refresh mode: create ~/.openclaw/workspace/data/ledger/.env with AUTO_REFRESH=1 to make portfolio queries always fetch live prices. Delete the file to disable.

---

Trigger Conditions#

Activate this skill only when the user expresses an explicit financial intent:

• Log an expense ("记一笔：花了XX", "帮我记账", "记到账本里")
• Query spending ("这个月花了多少", "查账", "账单")
• Account management ("我的余额", "银行卡还有多少")
• Monthly report ("月度报告", "消费分析")
• Investment action ("买入XX股", "卖了XX", "查持仓", "投资收益") — ⚠️ needs network
• Budget ("设定预算", "超支了吗", "生成预算模板")
• Savings goal ("建个攒钱目标", "旅行基金进度")

Do NOT activate for:

• Casual mention of money in conversation ("那顿饭花了50，味道一般")
• Asking about prices without logging intent ("这个多少钱", "iPhone 17 多少钱")
• Generic financial discussion ("最近花了不少钱" as a sigh)
• Other people's spending (only the user's own)

Disambiguation rule: If the user is just chatting about a recent expense, treat it as ordinary conversation. The key signal is whether the user has an explicit intent to record, manage, or query their finances.

---

File Format (Original CSV)#

text

# 日期,类型,金额,分类,描述,账户
余额,微信钱包,1000.00
余额,支付宝,2000.00
余额,银行卡,50000.00
余额,现金,500.00
2026-05-21,支出,50,餐饮,午餐,微信钱包
2026-05-22,收入,8000,工资,5月工资,银行卡
2026-05-23,支出,299,购物,外套,支付宝

Rules:

• 6 fields: 日期,类型,金额,分类,描述,账户
• 类型 must be 收入 or 支出
• 金额 is always positive (direction comes from 类型)
• Flat account names (no hierarchy)
• Initial balance uses 余额,账户,金额 format

Default location: ~/.openclaw/workspace/data/ledger/default.csv

---

🔒 Security & Permissions#

This skill performs the following operations:

OperationBehaviorScope📖 Read filesReads ledger CSV, budget JSON, investment CSV, goals JSONOnly data/ directory✏️ Write filesAppends/modifies ledger entries, budgets, investments, goalsOnly data/ directory🗑️ Delete dataDeletes transactions, budgets, goals (all require user Y/N confirm)Only data/ directory🌐 Network accessQueries stock/fund codes + real-time quotes via akshare (Sina/Eastmoney APIs)Sends only security codes/names, no personal financial data💻 Execute scriptsRuns Python scripts in scripts/Only this skill's own scripts

Data isolation: investments.csv (investments) and default.csv (daily ledger) are completely independent files.

Will NOT do:

• ❌ Read MEMORY.md, USER.md, SOUL.md, or any non-financial file
• ❌ Access ~/.ssh, ~/.aws, ~/.config or other system directories
• ❌ Upload your financial data to any external server
• ❌ Modify system files or execute external commands

Backup reminder: All operations modify local CSV/JSON files directly. Back up data/ regularly.

---

🌐 Network Behavior#

⚠️ Network summary: Investment features (security code lookup + live quotes) require network via the akshare library calling Sina Finance public APIs. All other features are fully local — your financial data is never sent to any external server.

🔒 Privacy notice: Network queries only send security codes/names to public quote APIs (Sina, Eastmoney). No personal financial data (balances, transactions, account info) is transmitted. Be aware that queries themselves reveal which securities you're interested in.

Default behavior: offline queries.

Network access uses an explicit opt-in mechanism — never enabled by default. Add --allow-network to one-off network commands, or set AUTO_REFRESH=1 in a local .env file to auto-refresh quotes on portfolio queries.

OperationDefaultEnable networkPortfolio ( --portfolio)offline (uses last-set prices)add --auto-refreshSummary ( --summary)offlineadd --auto-refreshRefresh quotes ( --refresh)blockedadd --allow-networkSingle quote ( --quote)blockedadd --allow-networkAuto-lookup code on buyblockedadd --allow-network

Disable auto-refresh: delete ~/.openclaw/workspace/data/ledger/.env or say "关闭自动联网刷新".

Manual price update (no network):

text

工业富联现在81.58
亨通光电价格91.43

Both methods (auto-refresh vs manual update) work side-by-side without conflict.

---

First-run Setup#

When the user first triggers this skill:

1. Check if ledger file exists
2. If not, create with template header
3. Ask for common payment methods and initial balances

Template:

text

# 日期,类型,金额,分类,描述,账户
# 个人账本 - 创建于 YYYY-MM-DD
# 格式说明见 references/ledger_format.md

# 账户初始余额
余额,微信钱包,0.00
余额,支付宝,0.00
余额,银行卡,0.00
余额,现金,0.00

# === 交易记录 ===

---

Interaction Modes#

Single entry (most common)#

text

用户: 今天中午吃了碗面花了25
Agent: 已记录 ✅
      📅 2026-05-21
      💰 ¥25.00
      📂 餐饮
      💳 微信钱包
      📝 午餐
      微信钱包余额：¥975.00

Dialogue entry (multi-field fill-in)#

text

用户: 花了200块
Agent: 买的什么？
用户: 买了本书
Agent: 已记录 ✅ ...

Goal-linked entry#

When the user says they saved money toward a goal, do two things:

1. Call goal.py deposit to update goal progress
2. Record the expense normally

Modify / Delete#

⚠️ All delete operations require user Y/N confirm — never auto-delete.

• "删掉刚那笔" (delete most recent, needs confirm)
• "删除5月15日那笔餐饮" (delete specific, needs confirm)
• "把刚才那笔改成30块" (modify amount, needs confirm)

---

⚖️ Professional Standards#

This skill provides financial recording and basic analysis tools, not investment advisory services.

Can doCannot doRecord and analyze your spending dataRecommend specific financial productsCompare your spending vs general benchmarksGuarantee any investment returnSuggest savings based on your dataPredict market movementsExplain financial concepts (compound interest, inflation)Provide tax planningHelp you build a savings planDo asset allocation

Bottom line: I help you understand where your money went, not where it should go.

---

📚 References#

Load on demand:

• references/ledger_format.md — CSV format details
• references/budget_guide.md — budget management
• references/goal_guide.md — savings goals
• references/invest_guide.md — investment tracking workflow
• references/invest_api.md — investment command reference
• references/user_guide.md — user FAQ
• references/financial_benchmarks.md — financial health benchmarks
• references/education.md — financial concepts

---

Tone & Style#

ScenarioStyleSuccessful loggingConcise confirmation + key info: "已记录 ✅ 餐饮 ¥35 余额 ¥965"Monthly reportClear data + 1-2 sentence suggestionsUser overspendingGentle reminder, not criticismUser reaching a goalGenuine encouragementUser asking investment adviceEducational content + disclaimer

Avoid: preachy tone, number-shaming, over-cautious language, fake intimacy.

---

Constraints#

1. Write vs delete separation. Deletes require explicit user request + Y/N confirm — no auto-delete.
2. Amount required. If amount can't be confirmed, ask.
3. Category guessable. When confident, auto-categorize; when uncertain, offer options.
4. Date optional. Defaults to today, supports relative dates.
5. Account optional. Defaults to WeChat Pay.
6. Files are the database. All data in CSV/JSON files. Users can edit any file with a text editor. Back up data/ regularly.
7. External deps. Basic features (logging, queries, budgets, reports, goals) use Python stdlib only. Investment code lookup requires akshare (pip install akshare) + network.