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/install budget-planner-cn
Description
Use this skill when helping users plan personal finances, create monthly budgets, track expenses, set savings goals, or optimize spending habits. Covers budg...
README (SKILL.md)
个人理财预算规划助手
适用场景
- 制定月度/年度个人预算计划
- 分析收支结构，找到节流空间
- 设定储蓄目标（买房/旅行/应急金）
- 债务管理与还款优先级排序
- 工资涨薪后的资金重新分配
核心工作流
Step 1：收集财务现状
收集以下信息（引导用户填写）：
月收入（税后）：_____ 元
固定支出：房租_____ / 房贷_____ / 车贷_____
日常开销：餐饮_____ / 交通_____ / 购物_____
其他：娱乐_____ / 订阅服务_____ / 人情往来_____
当前存款：_____ 元
负债情况：信用卡_____ / 网贷_____ / 其他_____
Step 2：应用预算框架
50/30/20 法则（入门推荐）
| 分类 | 比例 | 用途 |
|---|---|---|
| 必要支出 | 50% | 房租/餐饮/交通/水电 |
| 弹性消费 | 30% | 娱乐/购物/社交 |
| 储蓄投资 | 20% | 紧急备用金/理财/还债 |
六罐子理财法（精细化）
| 罐子 | 比例 | 用途 |
|---|---|---|
| 生活必需 | 55% | 基本生活开销 |
| 长期储蓄 | 10% | 大额目标（买房/教育） |
| 教育成长 | 10% | 学习/技能提升 |
| 财务自由 | 10% | 投资理财 |
| 享乐休闲 | 10% | 旅游/娱乐 |
| 慈善公益 | 5% | 礼金/公益 |
Step 3：制定月度预算表
📊 月度预算模板（月收入：10,000元为例）
【收入】
工资收入：9,500
副业收入：500
─────────────────
月收入合计：10,000
【必要支出（目标≤5,000）】
房租/房贷：2,500
餐饮伙食：1,200
交通出行：300
水电网费：200
手机话费：100
─────────────────
必要支出小计：4,300
【弹性消费（目标≤3,000）】
购物消费：800
娱乐休闲：500
社交人情：400
健身美容：300
─────────────────
弹性消费小计：2,000
【储蓄投资（目标≥2,000）】
紧急备用金：500
定期理财：1,000
投资账户：500
─────────────────
储蓄合计：2,000
当月结余：1,700（可补充备用金或再投资）
Step 4：紧急备用金计划
- 目标金额：3-6个月生活费（最低标准）
- 建议存放：货币基金（余额宝/零钱通）或活期理财
- 到达时间：建议12个月内建立完整备用金
备用金规划示例：
月生活开销：5,000元
目标备用金：5,000 × 6 = 30,000元
现有备用金：10,000元
缺口：20,000元
每月补充：1,000元 → 20个月达标
Step 5：负债清理策略
雪崩法（省利息，适合理性型）
按利率从高到低排序，先还利率最高的债务
雪球法（有成就感，适合需要激励型）
按余额从小到大排序，先还最小的债务，建立还款信心
负债优先级示例：
1. 网贷 5,000元 @ 年化18% → 优先还清
2. 信用卡 20,000元 @ 年化15% → 其次
3. 家人借款 10,000元 @ 0% → 最后
输出建议格式
生成用户的个性化预算时，包含：
- 当前财务诊断：收支比、储蓄率、负债率
- 优化建议：3个可立即执行的改进点
- 月度预算表：详细到每个分类的金额
- 3个月目标：可量化的短期里程碑
- 年度目标：与用户价值观相关的大目标
关键财务健康指标
| 指标 | 健康值 | 警戒值 |
|---|---|---|
| 储蓄率 | ≥20% | \x3C10% |
| 负债收入比 | \x3C30% | >50% |
| 备用金 | 3-6个月支出 | \x3C1个月 |
| 必要支出比 | \x3C50% | >70% |
Usage Guidance
This skill appears coherent and low-risk because it is instruction-only and asks only for financial information needed for budgeting. Before using it, avoid pasting highly sensitive secrets (bank login credentials, account numbers, national ID, passwords). Treat the user-provided financial figures as sensitive personal data — only supply what you are comfortable sharing and prefer aggregated or rounded amounts if you want more privacy. Also consider the platform's privacy policy: conversational data may be logged or sent to the service backing the agent, so avoid sharing information you must keep confidential.
Capability Analysis
Type: OpenClaw Skill
Name: budget-planner-cn
Version: 1.0.0
The skill bundle is a purely informational set of markdown instructions and reference guides for a personal finance assistant tailored for Chinese users. It contains no executable code, network requests, or suspicious prompt-injection attempts, focusing entirely on budgeting frameworks (e.g., 50/30/20 rule) and debt management strategies (SKILL.md, budget-cases.md, financial-tools-cn.md).
Capability Assessment
Purpose & Capability
Name and description match the content of SKILL.md and reference files (budgeting frameworks, expense collection, debt strategies). No unrelated credentials, binaries, or config paths are requested.
Instruction Scope
Runtime instructions only ask the agent to collect user-provided financial fields and produce budget recommendations/metrics; they do not instruct reading system files, environment variables, or sending data to external endpoints.
Install Mechanism
No install spec and no code files — the skill is instruction-only, which minimizes disk writes and external code execution risk.
Credentials
The skill declares no environment variables, credentials, or config paths. The data it requests (income, expenses, debts) is appropriate for a budgeting assistant.
Persistence & Privilege
Skill is not force-enabled (always: false) and does not request persistent system privileges or to modify other skills or system configuration.
How to Use
- Make sure OpenClaw is installed (local or Docker)
- Run the install command in chat:
/install budget-planner-cn - After installation, invoke the skill by name or use
/budget-planner-cn - Provide required inputs per the skill's parameter spec and get structured output
Version History
v1.0.0
Initial release
Metadata
Frequently Asked Questions
What is 个人理财预算规划助手?
Use this skill when helping users plan personal finances, create monthly budgets, track expenses, set savings goals, or optimize spending habits. Covers budg... It is an AI Agent Skill for Claude Code / OpenClaw, with 86 downloads so far.
How do I install 个人理财预算规划助手?
Run "/install budget-planner-cn" in the OpenClaw or Claude Code chat to install it in one step — no extra setup required.
Is 个人理财预算规划助手 free?
Yes, 个人理财预算规划助手 is completely free, licensed under MIT-0. You can download, install and use it at no cost.
Which platforms does 个人理财预算规划助手 support?
个人理财预算规划助手 is cross-platform and runs anywhere OpenClaw / Claude Code is available (cross-platform).
Who created 个人理财预算规划助手?
It is built and maintained by Hjs102468 (@goldath); the current version is v1.0.0.
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