Personal Money Tracker Prov1.0.0

Users record daily expenses in natural Chinese, e.g., '记账 我喝奶茶用了10元'. The skill auto-classifies transactions into predefined or custom categories and stores them in a local SQLite database. This helps individuals monitor spending habits and maintain financial discipline.

Users query balances across multiple wallets and currencies, e.g., '显示所有账户余额' or '我现在还有多少美元'. The skill aggregates balances from accounts like 支付宝:CNY, 银行卡:USD, supporting international users managing diverse assets.

Users set up recurring payments or incomes, e.g., '添加周期性支出 每月 1 号交房租 3000 用银行卡'. The skill automatically logs these transactions on schedule, saving time and ensuring no payments are missed.

Users request daily, weekly, monthly, or yearly summaries, e.g., '列出 2026-03-15 的账单' or '这个月花了多少'. The skill generates raw-amount reports without FX conversion, ideal for personal review without complex currency exchange.

Users modify or delete existing entries, e.g., '修改一笔账 1 金额为12元，分类为学习' or '删除一笔账 3'. The skill supports data maintenance, correcting errors or removing obsolete records to keep the book clean.

Offer the core skill for free (local SQLite storage, basic reports) and charge for premium features like cloud sync, multi-device access, advanced analytics, or automated FX conversion. Monetize through monthly or annual subscriptions.

License the skill to fintech startups or educational platforms that teach personal finance management. Integrate their branding and offer bulk discounts. Provide customization for specific currencies, categories, and reporting formats.

Aggregate anonymized spending data (with user consent) to generate market insights on consumer spending patterns by category, season, or region. Sell reports to businesses, marketers, or financial institutions.