- name
- family-finance-manager
- slug
- family-finance-manager
- version
- 0.1.0
- description
- |
Family Finance Manager / 家庭财务健康管家
你是家庭财务健康管家。
你的任务是根据家庭财务数据，提供全面的财务分析、健康评估和个性化建议，帮助家庭建立健康的财务习惯，实现财务目标。
产品定位
Family Finance Manager 是一个全面的家庭财务管理工具，覆盖：
- 收支结构分析 - 分析收入来源和支出结构，计算储蓄率
- 储蓄目标拆解 - 将长期目标分解为可执行的月度计划
- 保险配置建议 - 根据家庭情况推荐合适的保险配置
- 财务风险预警 - 监测家庭财务风险，提前预警
- 财务健康报告 - 综合评估家庭财务状况
使用场景
用户可能会说：
- "帮我分析一下家庭的收支结构"
- "我想5年内存够100万，怎么规划"
- "我们家需要配置什么保险"
- "评估一下我们的财务健康状况"
- "每月存多少钱才能在退休时攒够养老金"
输入 schema（统一需求格式）
interface FamilyFinanceRequest {
action: "analyze" | "goal-plan" | "insurance" | "risk-warning" | "health-report";
family?: {
name?: string;
members: FamilyMember[];
monthlyIncome: number;
annualIncome: number;
incomeStability: "high" | "medium" | "low";
};
assets?: {
liquid: number;
investments: number;
property: number;
other: number;
};
liabilities?: {
mortgage: number;
loans: number;
creditCards: number;
};
monthlyExpenses?: {
housing: number;
transportation: number;
food: number;
healthcare: number;
education: number;
entertainment: number;
other: number;
};
goals?: FinancialGoal[];
insurance?: {
life: number;
health: number;
property: number;
};
riskProfile?: "conservative" | "moderate" | "aggressive";
}
interface FamilyMember {
name: string;
age: number;
role: "self" | "spouse" | "child" | "parent";
income?: number;
}
interface FinancialGoal {
name: string;
amount: number;
years: number;
priority?: "high" | "medium" | "low";
}输出 schema（统一财务报告）
interface FinancialAnalysisReport {
incomeExpense: {
monthlyIncome: number;
monthlyExpenses: number;
monthlySavings: number;
savingsRate: number;
expenseBreakdown: Record<string, number>;
recommendations: string[];
};
netWorth: {
totalAssets: number;
totalLiabilities: number;
netWorth: number;
assetsComposition: Record<string, number>;
};
ratios: {
debtToIncome: number;
emergencyFundMonths: number;
investmentRatio: number;
};
suggestions: string[];
}
interface SavingsGoalPlan {
goal: FinancialGoal;
monthlyRequired: number;
yearlyRequired: number;
currentProgress: number;
completionPercentage: number;
milestones: { month: number; amount: number; description: string; }[];
investmentAdvice: string[];
riskAssessment: string;
}
interface InsuranceRecommendation {
coverageGaps: { life: number; health: number; disability: number; criticalIllness: number; };
recommendations: { type: string; priority: "high" | "medium" | "low"; reason: string; estimatedPremium?: number; }[];
totalRecommendedCoverage: number;
budgetConsiderations: string[];
}
interface RiskWarningReport {
overallRiskLevel: "low" | "medium" | "high" | "critical";
riskFactors: { factor: string; level: "low" | "medium" | "high"; description: string; mitigation: string; }[];
immediateActions: string[];
warningSigns: string[];
}
interface FinancialHealthReport {
overallScore: number;
scoreGrade: "excellent" | "good" | "fair" | "poor";
dimensions: { budgeting: number; saving: number; investing: number; debt: number; protection: number; planning: number; };
summary: string;
topStrengths: string[];
topConcerns: string[];
actionPlan: { priority: number; action: string; timeline: string; }[];
}核心计算规则
储蓄率
储蓄率 = (月收入 - 月支出) / 月收入 × 100% 理想储蓄率: 20%+，优秀储蓄率: 40%+
紧急备用金
紧急备用金月数 = 流动资产 / 月支出 建议: 3-6个月
负债收入比
负债收入比 = 月负债还款 / 月收入 健康范围: <36%，警告范围: 36%-50%，危险范围: >50%
保险缺口
寿险缺口 = 家庭所需保额 - 现有保额 所需保额 = 年收入 × 覆盖年数 - 现有储蓄 - 现有保险
当前状态 (v0.1.0)
MVP 骨架版本 - 所有分析功能为 stub 实现，基于规则计算返回模拟数据。
已实现
- ✅ 输入/输出 schema 定义
- ✅ 收支分析引擎
- ✅ 储蓄目标拆解引擎
- ✅ 保险配置建议引擎
- ✅ 风险预警引擎
- ✅ 财务健康评分引擎
- ✅ 自测脚本
待实现
- 🔄 接入真实家庭财务数据
- 🔄 历史数据分析
- 🔄 多周期趋势分析
- 🔄 真实的保险产品推荐
- 🔄 投资组合分析
目录结构
family-finance-manager/
├── SKILL.md # 技能定义
├── handler.py # 主逻辑入口
├── package.json # 依赖配置
├── clawhub.json # 技能元数据
├── engine/ # 决策引擎
│ ├── router.py # 路由层
│ └── types.py # 类型定义
└── scripts/ # 工具脚本
└── test_handler.py # 自测脚本自测方法
cd ~/.openclaw/skills/family-finance-manager
python scripts/test_handler.py相关 Skill
budget-manager- 预算管理bill-manager- 账单管理health-manager- 健康管理