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Use when the user wants to log spending, view expense summaries, analyze spending patterns, or manage personal finance tracking. Supports categories, tags, and monthly summaries.\n---\n\n# Expense Tracker\n\nLog and track daily expenses in markdown files organized by month.\n\n## Quick Start\n\n### Log an expense\n\n```bash\npython3 scripts/log_expense.py log <amount> <category> [--description \"text\"] [--tags \"tag1,tag2\"] [--date YYYY-MM-DD]\n```\n\nExamples:\n\n```bash\n# Simple expense\npython3 scripts/log_expense.py log 45000 Coffee\n\n# With description\npython3 scripts/log_expense.py log 250000 Dining --description \"Lunch with team\"\n\n# With tags\npython3 scripts/log_expense.py log 500000 Shopping --tags \"clothes,sale\" --description \"New shirt\"\n\n# Specify date (for backdating)\npython3 scripts/log_expense.py log 1200000 Vehicle --description \"Gas\" --date 2026-02-15\n```\n\n### View monthly summary\n\n```bash\n# Current month\npython3 scripts/log_expense.py summary\n\n# Specific month\npython3 scripts/log_expense.py summary 2026-02\n\n# JSON output (for parsing)\npython3 scripts/log_expense.py summary 2026-02 --json\n```\n\n## File Organization\n\nExpenses are stored in `expenses/` directory at workspace root:\n\n```\nexpenses/\n├── 2026-01.md\n├── 2026-02.md\n└── 2026-03.md\n```\n\nEach file contains a markdown table:\n\n```markdown\n# Expenses - 2026-02\n\n| Date | Category | Amount (VND) | Description | Tags |\n|------|----------|-------------|-------------|------|\n| 2026-02-17 | Coffee | 45,000 | | |\n| 2026-02-17 | Dining | 250,000 | Lunch with team | |\n| 2026-02-17 | Shopping | 500,000 | New shirt | clothes,sale |\n```\n\n## Categories\n\nSee `references/categories.md` for common expense categories. Use existing categories or create custom ones as needed.\n\nCommon categories:\n- **Housing** - Rent, utilities, home expenses\n- **Vehicle** - Gas, maintenance, parking\n- **Dining** - Restaurants, food delivery\n- **Coffee** - Cafes, coffee shops\n- **Shopping** - Clothes, electronics, general purchases\n- **Entertainment** - Movies, games, hobbies\n- **Healthcare** - Medicine, doctor visits\n- **Subscriptions** - Netflix, Spotify, gym, apps\n- **Savings** - Investments, emergency fund\n- **Debt Payment** - Loans, credit cards\n- **Miscellaneous** - Other expenses\n\n## Workflow Examples\n\n### Log daily expenses from conversation\n\nWhen the user mentions spending money:\n\n```bash\n# User: \"Just paid 35k for coffee\"\npython3 scripts/log_expense.py log 35000 Coffee\n\n# User: \"Grabbed lunch for 120k at Phở 24\"\npython3 scripts/log_expense.py log 120000 Dining --description \"Phở 24\"\n\n# User: \"Filled up gas, 400k\"\npython3 scripts/log_expense.py log 400000 Vehicle --description \"Gas\"\n```\n\n### Monthly review\n\n```bash\n# Get summary\npython3 scripts/log_expense.py summary 2026-02\n\n# Read the expense file to see details\ncat expenses/2026-02.md\n```\n\n### Analyze spending patterns\n\n```bash\n# Get JSON for analysis\npython3 scripts/log_expense.py summary 2026-02 --json\n\n# Compare multiple months\npython3 scripts/log_expense.py summary 2026-01 --json > jan.json\npython3 scripts/log_expense.py summary 2026-02 --json > feb.json\n```\n\n## Tips\n\n- **Batch logging**: User can tell you multiple expenses at once, log them all\n- **Category consistency**: Use the same category names to enable accurate summaries\n- **Tags for filtering**: Use tags for subcategories (e.g., \"work\", \"weekend\", \"urgent\")\n- **Descriptions**: Add context that helps identify the expense later\n- **Regular reviews**: Suggest monthly summaries to track spending patterns\n\n## Integration with Financial Goals\n\nWhen tracking expenses, consider:\n\n1. **Budget tracking**: Compare monthly totals to target budget\n2. **Spending patterns**: Identify high-spend categories\n3. **Emergency fund**: Track savings progress\n4. **Debt reduction**: Monitor debt payment progress\n5. **Financial ratios**: Calculate expenses as % of income\n\n## Script Reference\n\n### log_expense.py\n\n**Commands:**\n- `log` - Add an expense entry\n- `summary` - View monthly summary\n\n**Arguments (log):**\n- `amount` - Amount in VND (required)\n- `category` - Category name (required)\n- `--description/-d` - Optional description\n- `--tags/-t` - Optional comma-separated tags\n- `--date` - Optional date (YYYY-MM-DD, defaults to today)\n- `--workspace` - Optional workspace path (defaults to ~/.openclaw/workspace)\n\n**Arguments (summary):**\n- `year_month` - Optional YYYY-MM (defaults to current month)\n- `--json` - Output as JSON\n- `--workspace` - Optional workspace path\n\n**Output:**\n- Creates/updates markdown files in `expenses/` directory\n- Prints confirmation with file location\n- Summary shows total, count, and breakdown by category\n","readmeExcerpt":"--- name: expense-tracker description: Track daily expenses in structured markdown files organized by month. 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