介绍
# Finance Tracker v2.0
完整的个人财务管理。追踪支出、周期性订阅、储蓄目标、支持多货币以及智能洞察。
## 安装
```bash clawdhub install finance-tracker ```
或添加到 PATH： ```bash export PATH="$PATH:/path/to/finance-tracker/bin" ```
## 快速开始
```bash # 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 ```
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## 核心命令
### 添加支出
```bash 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` — 指定货币
**示例：** ```bash finance add 50000 "lunch" finance add 50k "groceries" finance add $25 "Netflix subscription" ```
### 撤销与编辑
```bash # 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
```bash finance report [period] # today, week, month, year, all finance recent [n] # last n transactions finance search "food" # search by keyword ```
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## 🔄 周期性支出
追踪自动重复的订阅和账单。
### 添加周期性支出
```bash finance recurring add <amount> "<description>" <frequency> [--day=N] ```
**频率：** daily（每日）、weekly（每周）、biweekly（每两周）、monthly（每月）、quarterly（每季度）、yearly（每年）
**示例：** ```bash finance recurring add 110k "mobile provider" monthly --day=1 finance recurring add 50k "Netflix" monthly finance recurring add 200k "gym membership" monthly --day=15 ```
### 管理周期性支出
```bash 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 ```
### 工作原理
- 周期性支出会追踪其下一个截止日期 - 每天运行 `finance recurring process`（或在心跳中）以自动记录 - 每笔记录的支出会显示在您的常规交易中 - 月度总计显示在周期性报告中
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## 🎯 储蓄目标
设定目标并追踪财务目标的进度。
### 添加目标
```bash finance goal add "<name>" <target> [--by=DATE] [--current=X] ```
**示例：** ```bash 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
```bash # 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多少 - **优先级** — 高、中、低 - **完成进度** — 达成目标时庆祝！
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## 💱 多货币
通过实时汇率自动进行货币转换。
### 查看汇率
```bash finance rates # Show all common rates finance rates USD # Specific currency rate finance rates EUR ```
### 转换
```bash finance convert 100 USD UZS finance convert 50 EUR USD ```
### 支出中的自动转换
```bash # 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
```bash finance currency # Show current finance currency USD # Change default ```
**汇率缓存：** 汇率每 6 小时自动刷新一次。
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## 💡 智能洞察
AI 驱动的消费分析和警报。
```bash finance insights # Full insights report finance summary # Quick daily summary finance digest # Weekly digest ```
### 洞察显示内容
- **消费速度** — 每日/每周/每月平均值 - **周期对比** — 本周 vs 上周 - **类别变化** — 哪些类别上升/下降 - **异常检测** — 标记异常大的支出 - **目标进度** — 每日需储蓄多少 - **周期性到期** — 今天到期的订阅
### 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 ```
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## 收入与资产
### 记录收入
```bash finance income 5000000 "salary" finance income 500k "freelance project" ```
自动检测的收入类型：salary（薪水）、freelance（自由职业）、business（生意）、investment（投资）、gift（礼金）
### 管理资产
```bash 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：cash（现金）、stocks（股票）、crypto（加密货币）、realestate（房地产）、savings（储蓄）、investments（投资）
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## 分析
```bash 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
```bash finance budget 100k ```
显示： - 今日支出 vs 预算 - 本周支出 vs 每周预算（7倍日预算） - 剩余金额 - 超预算警告
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## 分类
根据描述自动检测：
| 分类 | 关键词 | |----------|----------| | 🍔 餐饮 | lunch, dinner, cafe, restaurant, grocery | | 🚗 交通 | taxi, uber, bus, metro, fuel | | 🛍️ 购物 | clothes, shoes, shopping | | 📱 数码 | phone, laptop, headphones | | 🎮 娱乐 | movie, game, netflix, spotify | | 📚 教育 | book, course, school | | 💊 健康 | medicine, pharmacy, doctor, gym | | 🏠 居家 | rent, utility, furniture, internet | | 💇 个人 | haircut, barber, salon | | 🎁 礼物 | gift, present | | ✈️ 旅行 | travel, flight, hotel | | 🔄 订阅 | subscription, monthly, plan |
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## 数据存储
所有数据存储在本地 `~/.finance-tracker/`：
``` ~/.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 ```
## 导出
```bash finance export csv finance export json ```
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## Telegram 集成
用于在聊天中快速记录，常用模式：
``` "spent 50k lunch" → finance add 50000 "lunch" "taxi 15k" → finance add 15000 "taxi" "coffee 8k" → finance add 8000 "coffee" ```
### 心跳集成
添加到您的 HEARTBEAT.md 以进行自动处理：
```markdown ## Finance (daily) - Run: finance recurring process - Run: finance summary ```
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## 完整命令参考
``` 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 ```
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## 提示
1. **使用 'k' 代表千** — `50k` 比 `50000` 更快 2. **货币前缀** — `$50` 自动转换 3. **每日周期性检查** — 在心跳中运行 `finance recurring process` 4. **每周洞察** — 运行 `finance digest` 获取摘要 5. **目标追踪** — 存钱时更新目标 6. **预算警报** — 运行 `finance budget 100k` 以保持正轨
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