expense-tracker

在按月组织的结构化降价文件中跟踪日常支出。当用户想要记录支出、查看支出摘要、分析支出模式或管理个人财务跟踪时使用。支持类别、标签和每月摘要。

## 概述（中文）

在按月组织的结构化降价文件中跟踪日常支出。当用户想要记录支出、查看支出摘要、分析支出模式或管理个人财务跟踪时使用。支持类别、标签和每月摘要。

## 原文

# Expense Tracker

Log and track daily expenses in markdown files organized by month.

## Quick Start

### Log an expense

```bash
python3 scripts/log_expense.py log <amount> <category> [--description "text"] [--tags "tag1,tag2"] [--date YYYY-MM-DD]
```

Examples:

```bash
# Simple expense
python3 scripts/log_expense.py log 45000 Coffee

# With description
python3 scripts/log_expense.py log 250000 Dining --description "Lunch with team"

# With tags
python3 scripts/log_expense.py log 500000 Shopping --tags "clothes,sale" --description "New shirt"

# Specify date (for backdating)
python3 scripts/log_expense.py log 1200000 Vehicle --description "Gas" --date 2026-02-15
```

### View monthly summary

```bash
# Current month
python3 scripts/log_expense.py summary

# Specific month
python3 scripts/log_expense.py summary 2026-02

# JSON output (for parsing)
python3 scripts/log_expense.py summary 2026-02 --json
```

## File Organization

Expenses are stored in `expenses/` directory at workspace root:

```
expenses/
├── 2026-01.md
├── 2026-02.md
└── 2026-03.md
```

Each file contains a markdown table:

```markdown
# Expenses - 2026-02

| Date | Category | Amount (VND) | Description | Tags |
|------|----------|-------------|-------------|------|
| 2026-02-17 | Coffee | 45,000 | | |
| 2026-02-17 | Dining | 250,000 | Lunch with team | |
| 2026-02-17 | Shopping | 500,000 | New shirt | clothes,sale |
```

## Categories

See `references/categories.md` for common expense categories. Use existing categories or create custom ones as needed.

Common categories:
- **Housing** - Rent, utilities, home expenses
- **Vehicle** - Gas, maintenance, parking
- **Dining** - Restaurants, food delivery
- **Coffee** - Cafes, coffee shops
- **Shopping** - Clothes, electronics, general purchases
- **Entertainment** - Movies, games, hobbies
- **Healthcare** - Medicine, doctor visits
- **Subscriptions** - Netflix, Spotify, gym, apps
- **Savings** - Investments, emergency fund
- **Debt Payment** - Loans, credit cards
- **Miscellaneous** - Other expenses

## Workflow Examples

### Log daily expenses from conversation

When the user mentions spending money:

```bash
# User: "Just paid 35k for coffee"
python3 scripts/log_expense.py log 35000 Coffee

# User: "Grabbed lunch for 120k at Phở 24"
python3 scripts/log_expense.py log 120000 Dining --description "Phở 24"

# User: "Filled up gas, 400k"
python3 scripts/log_expense.py log 400000 Vehicle --description "Gas"
```

### Monthly review

```bash
# Get summary
python3 scripts/log_expense.py summary 2026-02

# Read the expense file to see details
cat expenses/2026-02.md
```

### Analyze spending patterns

```bash
# Get JSON for analysis
python3 scripts/log_expense.py summary 2026-02 --json

# Compare multiple months
python3 scripts/log_expense.py summary 2026-01 --json > jan.json
python3 scripts/log_expense.py summary 2026-02 --json > feb.json
```

## Tips

- **Batch logging**: User can tell you multiple expenses at once, log them all
- **Category consistency**: Use the same category names to enable accurate summaries
- **Tags for filtering**: Use tags for subcategories (e.g., "work", "weekend", "urgent")
- **Descriptions**: Add context that helps identify the expense later
- **Regular reviews**: Suggest monthly summaries to track spending patterns

## Integration with Financial Goals

When tracking expenses, consider:

1. **Budget tracking**: Compare monthly totals to target budget
2. **Spending patterns**: Identify high-spend categories
3. **Emergency fund**: Track savings progress
4. **Debt reduction**: Monitor debt payment progress
5. **Financial ratios**: Calculate expenses as % of income

## Script Reference

### log_expense.py

**Commands:**
- `log` - Add an expense entry
- `summary` - View monthly summary

**Arguments (log):**
- `amount` - Amount in VND (required)
- `category` - Category name (required)
- `--description/-d` - Optional description
- `--tags/-t` - Optional comma-separated tags
- `--date` - Optional date (YYYY-MM-DD, defaults to today)
- `--workspace` - Optional workspace path (defaults to ~/.openclaw/workspace)

**Arguments (summary):**
- `year_month` - Optional YYYY-MM (defaults to current month)
- `--json` - Output as JSON
- `--workspace` - Optional workspace path

**Output:**
- Creates/updates markdown files in `expenses/` directory
- Prints confirmation with file location
- Summary shows total, count, and breakdown by category