Expense Tracker

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:

# 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:

# 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

# 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

# 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