phoenixclaw-ledger

# PhoenixClaw Ledger: Zero-Effort Financial Tracking

PhoenixClaw Ledger automatically extracts financial transactions from your daily conversations and payment screenshots, requiring zero manual input.

## Core Capabilities

| Feature | Description |
|---------|-------------|
| **Semantic Expense Detection** | AI identifies spending mentions in natural conversation |
| **Screenshot Recognition** | Extracts transaction data from payment app screenshots |
| **Smart Categorization** | Auto-categorizes based on merchant and context |
| **Budget Tracking** | Monthly budget alerts and progress visualization |
| **Financial Insights** | Pattern analysis integrated into journal Growth Notes |
| **Goal Management** | Savings, budget control, habit, and wishlist goals |
| **Weekly Reports** | Automated Sunday 9 PM spending recap |
| **Query Support** | Real-time natural language financial inquiries |
| **Spending Trends** | Multi-month analytical spending visualization |
| **Transaction Browser** | Interactive complete transaction history view |

## Workflow

As a PhoenixClaw plugin, Ledger hooks into the `post-moment-analysis` phase:

1. **Receive Moments**: Get identified moments from PhoenixClaw Core
2. **Detect Finances**: Scan for expense/income signals in text and media
   - Text: Semantic patterns (see `references/expense-detection.md`)
   - Media: Payment screenshots (see `references/payment-screenshot.md`)
3. **Extract Data**: Parse amount, merchant, category, timestamp
4. **Categorize**: Apply rules from `references/merchant-category-map.md`
5. **Deduplicate**: Prevent double-counting same transaction
6. **Store**: Write to `~/PhoenixClaw/Finance/ledger.yaml`
7. **Export**: Generate journal section using `assets/daily-finance-section.md`

## Explicit Triggers

While passive by design, users can interact directly:

- *"How much did I spend today/this week/this month?"*
- *"Show my expense breakdown"*
- *"Set my monthly budget to [amount]"*
- *"What are my top spendi...