personal-cfo

Category: Tools & Productivity | Uploader: notoriouslab | Downloads: 0 | Version: v1.0（Latest）

CLI-first retirement glide path financial analyzer

Changelog: Source: GitHub https://github.com/notoriouslab/personal-cfo

Directory Structure

Current level: tree/main/

📁 examples/
- 📁 sample_output/
  - 📁 snapshots/
    
    📄 unknown_asset_snapshot.json 334 B
  - 📄 2026-03-16-01.png 164.4 KB
  - 📄 2026-03-16-02.png 121.1 KB
  - 📄 2026-03-16-03.png 119.3 KB
  - 📄 2026-03-16-04.png 162.3 KB
  - 📄 2026-03-16-05.png 133.6 KB
  - 📄 financial_report_unknown.md 3.4 KB
  - 📄 projection_unknown.md 5.0 KB
- 📄 config_mid_career_family.yaml 2.1 KB
- 📄 config_pre_retirement.yaml 2.6 KB
- 📄 config_young_professional.yaml 1.2 KB
- 📄 sample_assets.csv 257 B
- 📄 sample_bank_statement.md 2.4 KB
- 📄 sample_credit_card.md 3.4 KB
- 📄 sample_securities.md 2.7 KB
- 📄 sample_statement.md 400 B
- 📄 sample_transactions.csv 528 B
📁 personal_cfo/
- 📁 parser/
  - 📄 __init__.py 1.1 KB
  - 📄 _io.py 391 B
  - 📄 _normalize.py 3.4 KB
  - 📄 _pipe_table.py 12.5 KB
  - 📄 csv_parser.py 2.0 KB
  - 📄 md_parser.py 10.9 KB
- 📄 __init__.py 95 B
- 📄 __main__.py 78 B
- 📄 accounting.py 9.1 KB
- 📄 cli.py 12.9 KB
- 📄 config.py 3.3 KB
- 📄 fx.py 1000 B
- 📄 glide_path.py 2.9 KB
- 📄 market.py 3.3 KB
- 📄 models.py 2.1 KB
- 📄 projection.py 8.4 KB
- 📄 report.py 19.4 KB
📁 tests/
- 📄 __init__.py 0 B
- 📄 test_accounting.py 8.8 KB
- 📄 test_asset_extraction.py 3.8 KB
- 📄 test_cli.py 6.7 KB
- 📄 test_config.py 3.5 KB
- 📄 test_edge_cases.py 5.8 KB
- 📄 test_fx.py 1.6 KB
- 📄 test_glide_path.py 4.2 KB
- 📄 test_integration.py 9.1 KB
- 📄 test_market.py 3.0 KB
- 📄 test_parser.py 12.9 KB
- 📄 test_projection.py 9.8 KB
- 📄 test_report.py 6.5 KB
📄 .gitignore 370 B
📄 config.example.yaml 9.4 KB
📄 CONTRIBUTING.md 1.3 KB
📄 LICENSE 1.0 KB
📄 README.en.md 9.1 KB
📄 README.md 9.0 KB
📄 requirements-full.txt 97 B
📄 requirements.txt 12 B
📄 SECURITY.md 1.7 KB
📄 SKILL.md 1.7 KB

SKILL.md

---
name: personal-cfo
description: CLI-first retirement glide path financial analyzer
version: 0.1.0
metadata:
  openclaw:
    emoji: "\U0001F4CA"
    homepage: https://github.com/notoriouslab/personal-cfo
    requires:
      bins: ["python3"]
      pip: ["pyyaml"]
---

# personal-cfo

Turns bank statements (CSV or Markdown+JSON) into financial three-statements plus retirement glide path diagnosis.

## Commands

### Monthly Financial Audit (CFO mode)

```bash
# From CSV
python -m personal_cfo cfo --transactions ./data.csv --period 2026-01 --config config.yaml --offline

# From doc-cleaner Markdown directory
python -m personal_cfo cfo --transactions ./statements/ --period 2026-01 --config config.yaml --offline --quiet
```

### Retirement Track Check

```bash
python -m personal_cfo track --snapshots ./output/snapshots/ --config config.yaml
```

### Full Pipeline (with gmail-statement-fetcher + doc-cleaner)

```bash
# Step 1: Fetch bank PDFs from Gmail
python fetcher.py --output-dir ./downloads

# Step 2: Convert to Markdown + JSON
python cleaner.py --input ./downloads --ai gemini --output-dir ./cleaned

# Step 3: Compute financial reports
python -m personal_cfo cfo --transactions ./cleaned --period 2026-01 --offline
```

## Output

- `financial_report_{period}.md` — Full financial report (IS + BS + CF + market + glide path)
- `snapshots/{period}_asset_snapshot.json` — Asset snapshot for track mode

## Exit Codes

| Code | Meaning |
|------|---------|
| 0 | Success |
| 1 | Error (no data, invalid config, etc.) |

## Notes

- Requires `config.yaml` (copy from `config.example.yaml`)
- Use `--offline` to skip yfinance market data fetch
- Use `--quiet` to suppress stdout (agent-friendly)
- Output is deterministic Markdown — no AI, no hallucination

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personal-cfo

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SKILL.md

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