Watch My Money

Name: Watch My Money
Author: sundial-org

sundial-org/awesome-openclaw-skills

9 installs
638 repo stars
Updated March 7, 2026
sundial-org/awesome-openclaw-skills

Helps with ai & agent building tasks during AI-assisted development.

About

watch-my-money is a Claude Code skill for ai & agent building. It helps developers move faster with AI-assisted coding.

watch-my-money
AI & Agent Building
AI-coding skill

Watch My Money by the numbers

9 all-time installs (skills.sh)
Ranked #12,133 of 16,546 AI & Agent Building skills by installs in the Skillselion catalog
Data as of Aug 5, 2026 (Skillselion catalog sync)

npx skills add https://github.com/sundial-org/awesome-openclaw-skills --skill watch-my-money

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Installs	9
repo stars	★ 638
Last updated	March 7, 2026
Repository	sundial-org/awesome-openclaw-skills ↗

What it does

Helps with ai & agent building tasks during AI-assisted development.

Files

SKILL.mdMarkdownGitHub ↗

watch-my-money

Analyze transactions, categorize spending, track budgets, flag overspending.

Workflow

1. Get Transactions

Ask user for bank/card CSV export OR pasted text.

Common sources:

Download CSV from your bank's online portal
Export from budgeting apps
Copy/paste transactions from statements

Supported formats:

Any CSV with date, description, amount columns
Pasted text: "2026-01-03 Starbucks -5.40 CHF"

2. Parse & Normalize

Read input, normalize to standard format:

Auto-detect delimiter (comma, semicolon, tab)
Parse dates (YYYY-MM-DD, DD/MM/YYYY, MM/DD/YYYY)
Normalize amounts (expenses negative, income positive)
Extract merchant from description
Detect recurring transactions (subscriptions)

3. Categorize Transactions

For each transaction, assign category:

Categories:

rent, utilities, subscriptions, groceries, eating_out
transport, travel, shopping, health
income, transfers, other

Categorization order: 1. Check saved merchant overrides 2. Apply deterministic keyword rules (see common-merchants.md) 3. Pattern matching (subscriptions, utilities) 4. Heuristic fallback

For ambiguous merchants (batch of 5-10), ask user to confirm. Save overrides for future runs.

4. Check Budgets

Compare spending against user-defined budgets.

Alert thresholds:

80% - approaching limit (yellow)
100% - at limit (red)
120% - over budget (red, urgent)

See budget-templates.md for suggested budgets.

5. Detect Anomalies

Flag unusual spending:

Category spike: spend > 1.5x baseline AND delta > 50
Subscription growth: subscriptions up > 20%
New expensive merchant: first appearance AND spend > 30
Potential subscriptions: recurring same-amount charges

Baseline = previous 3 months average (or current month if no history).

6. Generate HTML Report

Create local HTML file with:

Month summary (income, expenses, net)
Category breakdown with budget status
Top merchants
Alerts section
Recurring transactions detected
Privacy toggle (blur amounts/merchants)

Copy template.html and inject data.

7. Save State

Persist to ~/.watch_my_money/:

state.json - budgets, merchant overrides, history
reports/YYYY-MM.json - machine-readable monthly data
reports/YYYY-MM.html - interactive report

CLI Commands

# Analyze CSV
python -m watch_my_money analyze --csv path/to/file.csv --month 2026-01

# Analyze from stdin
cat transactions.txt | python -m watch_my_money analyze --stdin --month 2026-01 --default-currency CHF

# Compare months
python -m watch_my_money compare --months 2026-01 2025-12

# Set budget
python -m watch_my_money set-budget --category groceries --amount 500 --currency CHF

# View budgets
python -m watch_my_money budgets

# Export month data
python -m watch_my_money export --month 2026-01 --out summary.json

# Reset all state
python -m watch_my_money reset-state

Output Structure

Console shows:

Month summary with income/expenses/net
Category table with spend vs budget
Recurring transactions detected
Top 5 merchants
Alerts as bullet points

Files written:

~/.watch_my_money/state.json
~/.watch_my_money/reports/2026-01.json
~/.watch_my_money/reports/2026-01.html

HTML Report Features

Collapsible category sections
Budget progress bars
Recurring transaction list
Month-over-month comparison
Privacy toggle (blur sensitive data)
Dark mode (respects system preference)
Floating action button
Screenshot-friendly layout
Auto-hide empty sections

Privacy

All data stays local. No network calls. No external APIs. Transaction data is analyzed locally and stored only in ~/.watch_my_money/.

<!DOCTYPE html>
<html lang="en">
<head>
    <meta charset="UTF-8">
    <meta name="viewport" content="width=device-width, initial-scale=1">
    <title>watch-my-money · {{MONTH}}</title>
    <style>
        :root {
            --bg: #fafafa;
            --text: #1a1a1a;
            --muted: #666;
            --border: #e0e0e0;
            --accent: #0d9488;
            --danger: #dc2626;
            --warning: #f59e0b;
            --success: #059669;
            --income: #0891b2;
            --card-bg: #fff;
            --progress-bg: #e5e7eb;
        }
        
        @media (prefers-color-scheme: dark) {
            :root {
                --bg: #0f0f0f;
                --text: #e5e5e5;
                --muted: #a3a3a3;
                --border: #2a2a2a;
                --accent: #2dd4bf;
                --danger: #f87171;
                --warning: #fbbf24;
                --success: #34d399;
                --income: #22d3ee;
                --card-bg: #171717;
                --progress-bg: #262626;
            }
        }
        
        * { box-sizing: border-box; margin: 0; padding: 0; }
        
        body {
            max-width: 800px;
            margin: 0 auto;
            padding: 2rem 1.5rem;
            font-family: 'IBM Plex Sans', system-ui, -apple-system, sans-serif;
            background: var(--bg);
            color: var(--text);
            line-height: 1.6;
        }
        
        /* Header Card - Receipt Style */
        .header-card {
            background: var(--card-bg);
            border: 1px solid var(--border);
            border-radius: 12px;
            padding: 2rem;
            margin-bottom: 2rem;
            position: relative;
        }
        
        .header-card::before {
            content: '';
            position: absolute;
            top: 0;
            left: 0;
            right: 0;
            height: 4px;
            background: linear-gradient(90deg, var(--accent), var(--income));
            border-radius: 12px 12px 0 0;
        }
        
        .scope {
            font-size: 0.875rem;
            color: var(--muted);
            margin-bottom: 0.5rem;
            font-family: 'IBM Plex Mono', monospace;
        }
        
        .month-title {
            font-size: 1.5rem;
            font-weight: 600;
            margin-bottom: 1.5rem;
            display: flex;
            align-items: center;
            gap: 0.5rem;
        }
        
        .summary-grid {
            display: grid;
            grid-template-columns: repeat(3, 1fr);
            gap: 1rem;
        }
        
        .summary-item {
            text-align: center;
            padding: 1rem;
            background: var(--bg);
            border-radius: 8px;
        }
        
        .summary-label {
            font-size: 0.75rem;
            color: var(--muted);
            text-transform: uppercase;
            letter-spacing: 0.05em;
            margin-bottom: 0.25rem;
        }
        
        .summary-value {
            font-size: 1.5rem;
            font-weight: 700;
            font-family: 'IBM Plex Mono', monospace;
        }
        
        .summary-value.income { color: var(--income); }
        .summary-value.expenses { color: var(--danger); }
        .summary-value.net.positive { color: var(--success); }
        .summary-value.net.negative { color: var(--danger); }
        
        .timestamp {
            font-size: 0.75rem;
            color: var(--muted);
            text-align: right;
            margin-top: 1rem;
        }
        
        /* Controls */
        .controls {
            display: flex;
            justify-content: flex-end;
            gap: 0.5rem;
            margin-bottom: 1.5rem;
        }
        
        .control-btn {
            padding: 0.5rem 1rem;
            font-size: 0.75rem;
            background: var(--card-bg);
            border: 1px solid var(--border);
            border-radius: 6px;
            cursor: pointer;
            color: var(--muted);
            transition: all 0.2s;
        }
        
        .control-btn:hover {
            border-color: var(--accent);
            color: var(--accent);
        }
        
        /* Alerts Section */
        .alerts-section {
            margin-bottom: 2rem;
        }
        
        .alerts-section.empty { display: none; }
        
        .alert-card {
            background: var(--card-bg);
            border: 1px solid var(--border);
            border-radius: 8px;
            padding: 1rem 1.25rem;
            margin-bottom: 0.75rem;
            display: flex;
            align-items: flex-start;
            gap: 0.75rem;
        }
        
        .alert-icon {
            font-size: 1.25rem;
            flex-shrink: 0;
        }
        
        .alert-icon.warning { color: var(--warning); }
        .alert-icon.danger { color: var(--danger); }
        .alert-icon.info { color: var(--income); }
        
        .alert-content {
            flex: 1;
        }
        
        .alert-title {
            font-weight: 600;
            margin-bottom: 0.25rem;
        }
        
        .alert-detail {
            font-size: 0.875rem;
            color: var(--muted);
        }
        
        /* Categories Section */
        .section {
            margin-bottom: 2rem;
        }
        
        .section.empty { display: none; }
        
        .section-header {
            display: flex;
            align-items: center;
            gap: 0.5rem;
            margin-bottom: 1rem;
            padding-bottom: 0.5rem;
            border-bottom: 2px solid var(--border);
            cursor: pointer;
            user-select: none;
        }
        
        .section-header::before {
            content: '▼';
            font-size: 0.6rem;
            color: var(--muted);
            transition: transform 0.2s;
        }
        
        .section.collapsed .section-header::before {
            transform: rotate(-90deg);
        }
        
        .section.collapsed .section-content {
            display: none;
        }
        
        .section-title {
            font-size: 1.1rem;
            font-weight: 600;
        }
        
        .section-count {
            margin-left: auto;
            font-size: 0.8rem;
            color: var(--muted);
        }
        
        /* Category Cards */
        .category-card {
            background: var(--card-bg);
            border: 1px solid var(--border);
            border-radius: 8px;
            padding: 1rem 1.25rem;
            margin-bottom: 0.75rem;
        }
        
        .category-header {
            display: flex;
            justify-content: space-between;
            align-items: center;
            margin-bottom: 0.75rem;
        }
        
        .category-name {
            font-weight: 600;
            text-transform: capitalize;
        }
        
        .category-amount {
            font-family: 'IBM Plex Mono', monospace;
            font-weight: 600;
        }
        
        .category-amount.over-budget { color: var(--danger); }
        
        .progress-bar {
            height: 6px;
            background: var(--progress-bg);
            border-radius: 3px;
            overflow: hidden;
            margin-bottom: 0.5rem;
        }
        
        .progress-fill {
            height: 100%;
            border-radius: 3px;
            transition: width 0.3s;
        }
        
        .progress-fill.ok { background: var(--success); }
        .progress-fill.warning { background: var(--warning); }
        .progress-fill.danger { background: var(--danger); }
        
        .category-meta {
            display: flex;
            justify-content: space-between;
            font-size: 0.75rem;
            color: var(--muted);
        }
        
        .no-budget {
            font-size: 0.75rem;
            color: var(--muted);
            font-style: italic;
        }
        
        /* Merchants Table */
        .merchants-table {
            width: 100%;
            border-collapse: collapse;
            background: var(--card-bg);
            border-radius: 8px;
            overflow: hidden;
            border: 1px solid var(--border);
        }
        
        .merchants-table th,
        .merchants-table td {
            padding: 0.75rem 1rem;
            text-align: left;
            border-bottom: 1px solid var(--border);
        }
        
        .merchants-table th {
            font-size: 0.75rem;
            text-transform: uppercase;
            letter-spacing: 0.05em;
            color: var(--muted);
            font-weight: 500;
        }
        
        .merchants-table tr:last-child td {
            border-bottom: none;
        }
        
        .merchant-name {
            font-weight: 500;
        }
        
        .merchant-amount {
            font-family: 'IBM Plex Mono', monospace;
            text-align: right;
        }
        
        .merchant-count {
            color: var(--muted);
            font-size: 0.875rem;
        }
        
        .category-badge {
            display: inline-block;
            padding: 0.2rem 0.5rem;
            font-size: 0.7rem;
            background: var(--bg);
            border-radius: 4px;
            color: var(--muted);
            text-transform: capitalize;
        }
        
        /* Privacy Mode */
        body.privacy-mode .blur-target {
            filter: blur(5px);
            user-select: none;
        }
        
        body.privacy-mode .blur-target:hover {
            filter: none;
        }
        
        /* Floating Button */
        .floating-btn {
            position: fixed;
            bottom: 1.5rem;
            right: 1.5rem;
            background: var(--accent);
            color: white;
            border: none;
            padding: 0.75rem 1.25rem;
            border-radius: 8px;
            font-weight: 600;
            cursor: pointer;
            box-shadow: 0 4px 12px rgba(0, 0, 0, 0.15);
            transition: all 0.2s;
        }
        
        .floating-btn:hover {
            transform: translateY(-2px);
            box-shadow: 0 6px 16px rgba(0, 0, 0, 0.2);
        }
        
        .floating-btn.copied {
            background: var(--success);
        }
        
        /* Responsive */
        @media (max-width: 600px) {
            .summary-grid {
                grid-template-columns: 1fr;
            }
            
            body {
                padding: 1rem;
            }
        }
        
        /* Font Import */
        @import url('https://fonts.googleapis.com/css2?family=IBM+Plex+Mono:wght@400;600&family=IBM+Plex+Sans:wght@400;500;600;700&display=swap');
    </style>
</head>
<body>
    <!-- HEADER CARD -->
    <div class="header-card">
        <p class="scope">{{TRANSACTION_COUNT}} transactions · {{CURRENCY}}</p>
        <h1 class="month-title">{{MONTH_DISPLAY}}</h1>
        
        <div class="summary-grid">
            <div class="summary-item">
                <div class="summary-label">Income</div>
                <div class="summary-value income blur-target">{{INCOME}}</div>
            </div>
            <div class="summary-item">
                <div class="summary-label">Expenses</div>
                <div class="summary-value expenses blur-target">{{EXPENSES}}</div>
            </div>
            <div class="summary-item">
                <div class="summary-label">Net</div>
                <div class="summary-value net {{NET_CLASS}} blur-target">{{NET}}</div>
            </div>
        </div>
        
        <p class="timestamp">Generated {{TIMESTAMP}}</p>
    </div>
    
    <!-- CONTROLS -->
    <div class="controls">
        <button class="control-btn" onclick="togglePrivacy()">🔒 Privacy</button>
        <button class="control-btn" onclick="expandAll()">Expand All</button>
    </div>
    
    <!-- ALERTS SECTION -->
    <div class="alerts-section {{ALERTS_EMPTY_CLASS}}" id="alerts-section">
        <div class="section-header" onclick="this.parentElement.classList.toggle('collapsed')">
            <span class="section-title">⚠️ Alerts</span>
            <span class="section-count">{{ALERTS_COUNT}} alerts</span>
        </div>
        <div class="section-content">
            <!-- TEMPLATE: Alert Card
            <div class="alert-card">
                <span class="alert-icon warning">⚡</span>
                <div class="alert-content">
                    <div class="alert-title">Alert Title</div>
                    <div class="alert-detail">Alert detail message</div>
                </div>
            </div>
            -->
            {{ALERTS_HTML}}
        </div>
    </div>
    
    <!-- CATEGORIES SECTION -->
    <div class="section" id="categories-section">
        <div class="section-header" onclick="this.parentElement.classList.toggle('collapsed')">
            <span class="section-title">📊 Categories</span>
            <span class="section-count">{{CATEGORIES_COUNT}} categories</span>
        </div>
        <div class="section-content">
            <!-- TEMPLATE: Category Card with Budget
            <div class="category-card">
                <div class="category-header">
                    <span class="category-name">Category Name</span>
                    <span class="category-amount blur-target">$XXX</span>
                </div>
                <div class="progress-bar">
                    <div class="progress-fill ok" style="width: 50%"></div>
                </div>
                <div class="category-meta">
                    <span>50% of $XXX budget</span>
                    <span>$XXX remaining</span>
                </div>
            </div>
            -->
            <!-- TEMPLATE: Category Card without Budget
            <div class="category-card">
                <div class="category-header">
                    <span class="category-name">Category Name</span>
                    <span class="category-amount blur-target">$XXX</span>
                </div>
                <div class="no-budget">No budget set</div>
            </div>
            -->
            {{CATEGORIES_HTML}}
        </div>
    </div>
    
    <!-- TOP MERCHANTS SECTION -->
    <div class="section" id="merchants-section">
        <div class="section-header" onclick="this.parentElement.classList.toggle('collapsed')">
            <span class="section-title">🏪 Top Merchants</span>
            <span class="section-count">by spend</span>
        </div>
        <div class="section-content">
            <table class="merchants-table">
                <thead>
                    <tr>
                        <th>Merchant</th>
                        <th>Category</th>
                        <th style="text-align: right">Amount</th>
                    </tr>
                </thead>
                <tbody>
                    <!-- TEMPLATE: Merchant Row
                    <tr>
                        <td>
                            <span class="merchant-name blur-target">Merchant Name</span>
                            <span class="merchant-count">× 5</span>
                        </td>
                        <td><span class="category-badge">category</span></td>
                        <td class="merchant-amount blur-target">$XXX</td>
                    </tr>
                    -->
                    {{MERCHANTS_HTML}}
                </tbody>
            </table>
        </div>
    </div>
    
    <!-- FLOATING BUTTON -->
    <button class="floating-btn" onclick="copySummary()">📋 Copy Summary</button>
    
    <script>
        function togglePrivacy() {
            document.body.classList.toggle('privacy-mode');
            const btn = document.querySelector('.control-btn');
            btn.textContent = document.body.classList.contains('privacy-mode') 
                ? '🔓 Show' 
                : '🔒 Privacy';
        }
        
        function expandAll() {
            document.querySelectorAll('.section.collapsed').forEach(s => {
                s.classList.remove('collapsed');
            });
        }
        
        function copySummary() {
            const income = document.querySelector('.summary-value.income')?.textContent || '';
            const expenses = document.querySelector('.summary-value.expenses')?.textContent || '';
            const net = document.querySelector('.summary-value.net')?.textContent || '';
            const month = document.querySelector('.month-title')?.textContent || '';
            
            const text = `${month}\nIncome: ${income}\nExpenses: ${expenses}\nNet: ${net}`;
            
            navigator.clipboard.writeText(text).then(() => {
                const btn = document.querySelector('.floating-btn');
                btn.classList.add('copied');
                btn.textContent = '✓ Copied!';
                setTimeout(() => {
                    btn.classList.remove('copied');
                    btn.textContent = '📋 Copy Summary';
                }, 1500);
            });
        }
        
        // Auto-hide empty sections
        document.querySelectorAll('.section').forEach(section => {
            const content = section.querySelector('.section-content');
            if (content && content.children.length === 0) {
                section.classList.add('empty');
            }
        });
    </script>
</body>
</html>

Budget Templates

Suggested budgets by lifestyle. All amounts in CHF, adjust for your currency.

Single Professional (Zurich)

High income, moderate lifestyle.

python -m watch_my_money set-budget --category rent --amount 2000 --currency CHF
python -m watch_my_money set-budget --category utilities --amount 150 --currency CHF
python -m watch_my_money set-budget --category groceries --amount 500 --currency CHF
python -m watch_my_money set-budget --category eating_out --amount 300 --currency CHF
python -m watch_my_money set-budget --category transport --amount 200 --currency CHF
python -m watch_my_money set-budget --category subscriptions --amount 100 --currency CHF
python -m watch_my_money set-budget --category shopping --amount 300 --currency CHF
python -m watch_my_money set-budget --category health --amount 100 --currency CHF

Total: ~3,650 CHF/month

Couple (Shared Expenses)

Split household costs.

python -m watch_my_money set-budget --category rent --amount 1500 --currency CHF
python -m watch_my_money set-budget --category utilities --amount 100 --currency CHF
python -m watch_my_money set-budget --category groceries --amount 400 --currency CHF
python -m watch_my_money set-budget --category eating_out --amount 200 --currency CHF
python -m watch_my_money set-budget --category transport --amount 150 --currency CHF
python -m watch_my_money set-budget --category subscriptions --amount 80 --currency CHF
python -m watch_my_money set-budget --category shopping --amount 200 --currency CHF
python -m watch_my_money set-budget --category health --amount 80 --currency CHF

Total: ~2,710 CHF/month per person

Student / Entry Level

Tight budget, essentials focus.

python -m watch_my_money set-budget --category rent --amount 900 --currency CHF
python -m watch_my_money set-budget --category utilities --amount 60 --currency CHF
python -m watch_my_money set-budget --category groceries --amount 300 --currency CHF
python -m watch_my_money set-budget --category eating_out --amount 100 --currency CHF
python -m watch_my_money set-budget --category transport --amount 100 --currency CHF
python -m watch_my_money set-budget --category subscriptions --amount 30 --currency CHF
python -m watch_my_money set-budget --category shopping --amount 100 --currency CHF

Total: ~1,590 CHF/month

FIRE / Frugal

Aggressive savings, minimal discretionary.

python -m watch_my_money set-budget --category rent --amount 1200 --currency CHF
python -m watch_my_money set-budget --category utilities --amount 80 --currency CHF
python -m watch_my_money set-budget --category groceries --amount 350 --currency CHF
python -m watch_my_money set-budget --category eating_out --amount 50 --currency CHF
python -m watch_my_money set-budget --category transport --amount 80 --currency CHF
python -m watch_my_money set-budget --category subscriptions --amount 20 --currency CHF
python -m watch_my_money set-budget --category shopping --amount 50 --currency CHF
python -m watch_my_money set-budget --category health --amount 50 --currency CHF

Total: ~1,880 CHF/month

---

The 50/30/20 Rule

Classic budgeting framework:

50% Needs: rent, utilities, groceries, transport, health
30% Wants: eating_out, subscriptions, shopping, travel
20% Savings: Not tracked here (goes to savings account)

For 6,000 CHF net income:

Needs: 3,000 CHF
Wants: 1,800 CHF
Savings: 1,200 CHF

Adjusting for Your Reality

1. Track 2-3 months without budgets first 2. Review your actual spending patterns 3. Set budgets 10-20% below current spend 4. Tighten gradually month-over-month

Common Merchant Mappings

Override rules for merchants that are hard to auto-categorize.

Swiss Merchants

Merchant Pattern	Category	Notes
COOP, COOP CITY	groceries	Swiss supermarket chain
MIGROS, M-BUDGET	groceries	Swiss supermarket chain
DENNER	groceries	Discount supermarket
ALDI SUISSE	groceries	Discount supermarket
LIDL	groceries	Discount supermarket
MANOR	shopping	Department store (not Manor Food)
MANOR FOOD	groceries	Food section of Manor
SBB, CFF, FFS	transport	Swiss Federal Railways
POSTFINANCE	transfers	Swiss postal bank
TWINT	transfers	Swiss mobile payment
SWISSCOM	utilities	Telecom
SUNRISE	utilities	Telecom
SALT	utilities	Telecom
EWZ	utilities	Zurich electricity
CSS, HELSANA, SWICA	health	Health insurance
CEMBRA	other	Credit card fees

International Merchants

Merchant Pattern	Category	Notes
AMAZON	shopping	Unless clearly groceries
APPLE.COM/BILL	subscriptions	App Store, iCloud, etc
GOOGLE *SERVICES	subscriptions	Google One, YouTube Premium
PAYPAL *SPOTIFY	subscriptions	Spotify via PayPal
NETFLIX.COM	subscriptions	Streaming
UBER, UBER EATS	transport OR eating_out	Check amount: <20 = transport
BOOKING.COM	travel	Hotels
AIRBNB	travel	Accommodation
RYANAIR, EASYJET	travel	Budget airlines

Ambiguous Merchants

These need user confirmation:

Merchant	Could Be	Disambiguation
STARBUCKS	eating_out OR groceries	In-store = eating_out, beans = groceries
IKEA	shopping OR eating_out	Check amount: >50 = shopping
GAS STATION	transport OR groceries	Shop purchases vs fuel
PHARMACY	health OR groceries	Meds = health, toiletries = groceries

Adding Overrides

When user categorizes a merchant, save to state:

python -m watch_my_money set-merchant "WEIRD MERCHANT NAME" --category shopping

Or interactively during analyze:

Unknown merchant: ACME CORP (3 transactions, 450 CHF)
Category? [groceries/shopping/other/skip]: shopping
→ Saved override for future runs

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