A FIRE skill pack for Claude Code. Project your FI date, reframe spending anxiety against the long-term picture, and run honest quarterly reviews — all against files on your disk.
Your data stays on your disk. Claude Code reads the files, runs the math, and tells you honestly whether something matters. Anthropic sees the conversation contents (that's how Claude works); nobody else does, unless you opt into a hosted aggregator. See SECURITY.md for the full privacy story.
If you're like me and get stuck obsessing over purchases before you make them, this is the skill that reframes the spiral with logical perspective. When you're spinning about a $10k couch or a 4% market dip, it computes three numbers: one month of portfolio drift, your locked-in annual savings, and the FI-date impact in days. Then it gives a verdict — noise, absorbable, or worth attention — with the math shown. No moralizing. When the math clears a purchase, consider it a proverbial treat yourself.
This is the skill I couldn't find anywhere else and the reason this repo exists. See the skill →
- Copy
FINANCE.template.mdinto any folder and rename itFINANCE.md - Fill in the "ABOUT YOU" section at the top
- Drop your transaction CSV in the same folder — or connect Truthifi if you'd rather skip exports
- Open Claude Code in that folder and ask:
"How are we doing financially?" "Am I on track to retire at 50?" "I just spent $10,000 on a couch. Does that matter?"
One self-contained file replaces the skills + templates dance. Most people should stop here.
fi-date-projection— recalculates your FI date with three sensitivity bands (5% / 7% / 9% return), so you see the cone of uncertainty instead of a single false-precision numbersync-local— ingests CSV or JSON exports (Empower, Mint, Monarch, raw bank) with flexible column mappingsync-truthifi(v0.2) — refreshes memory files from the Truthifi MCP server instead of local CSVs, for users who've connected one- Memory templates — Markdown you fill in once with household profile, investments, retirement targets, spending baseline
- Quarterly-review workflow — see the example walkthrough of a 10-minute FIRE check-in
Two paths, same downstream skills:
| Path | Setup | Privacy posture | Best for |
|---|---|---|---|
| Truthifi MCP | ~10 min | Data reaches Truthifi + Anthropic | Don't want to export CSVs; already OK with hosted aggregators |
| BYO CSV | ~2 min | Stays on your disk (Anthropic still sees conversations) | Want zero third-party data sharing beyond Anthropic itself |
Set the Data source field in your FINANCE.md (Lite) or MEMORY.md (Full) to csv or truthifi — the sync skills route on it. Mixing is fine: use Truthifi for current balances, keep old CSVs for history.
Note on scrapers. homeCFO doesn't ship or recommend one — most US bank TOS prohibit automated portal browsing. If you maintain one privately,
sync-localwill still read its JSON output.
Install skills globally and keep memory in a private data directory. Worth it if you want different memory for different households, plan to layer on more specialized skills over time, or find yourself copying FINANCE.md between folders.
# 1. Clone
git clone https://github.com/bn-wright/homecfo.git && cd homecfo
# 2. Create a private data directory OUTSIDE the repo
mkdir ~/finance-data
# 3. Copy templates into your private directory
cp memory-templates/*.template.md ~/finance-data/
# 4. Rename and fill in
cd ~/finance-data
for f in *.template.md; do mv "$f" "${f/.template/}"; done
# Windows PowerShell:
# Get-ChildItem *.template.md | Rename-Item -NewName { $_.Name -replace '\.template','' }
# 5. Install skills
cp -r <homecfo-path>/skills/* ~/.claude/skills/
# 6. Tell Claude where memory lives
cat >> ~/.claude/CLAUDE.md <<'EOF'
## Family Finance
When asked about finances, spending, budget, investments, or retirement,
load `~/finance-data/MEMORY.md` first. That file indexes the rest.
EOFFor: tech workers and FIRE-curious households who already think in systems, anyone who's outgrown Mint/Monarch and wants something more analytical, Claude Code users tired of re-explaining their finances every session, households where the gap between "sloppy" and "operated" finances compounds into real money.
Not for: people who want a pretty mobile app (try Copilot Money), people who want done-for-you budgeting (YNAB), people without 30 minutes to fill in memory files, people looking for licensed financial advice (talk to a CFP).
You wouldn't run a company by glancing at QuickBooks once a month. You'd have a CFO who knows the books thoroughly, tells you when something matters, and doesn't bother you when it doesn't. That's what this repo is. Long version: PHILOSOPHY.md.
- v0.1 — initial release (
finance-perspective,fi-date-projection, CSV ingestion, memory templates) - v0.2 (shipped 2026-04) — Truthifi MCP integration;
update-financials→sync-localrename to pair withsync-truthifi - Future (demand-driven): more ingestion paths, more skills, more templates (equity grants, rentals, business income), cross-platform Quickstart
The hard line: anything that sends data to a third party other than Anthropic is opt-in, documented, and never the default.
Prior art — other Claude + finance projects
Snapshot as of April 2026; the space moves fast, check for yourself.
- Show HN: Use Codex/Claude Code as your personal financial assistant — same shape (coding-agent + local files). homeCFO is a packaged skill set rather than free-form prompts, and FIRE-specific rather than general budgeting.
- Claude-Budget-Workspace-Template — closest sibling. homeCFO ships skills (YAML frontmatter, Anthropic conventions) instead of agents/slash-commands, and focuses on FI-date projection + spending-perspective reframing.
- charlie-cfo-skill — startup CFO workflows (cash mgmt, unit economics). homeCFO is a household CFO — FI dates, not burn rates.
- NumbyAI — fully local LLM via Ollama. Cleaner privacy story than homeCFO, at the cost of reasoning quality. If zero-cloud matters more than frontier reasoning, start there.
- anthropics/financial-services-plugins — institutional finance (investment banking, equity research). Different audience entirely; homeCFO is for a household, not a desk.
The wedge: nobody else ships a spending-anxiety-reframing skill or FI-date projection with sensitivity bands as first-class features.
Repository layout
homecfo/
├── README.md · PHILOSOPHY.md · SECURITY.md · CONTRIBUTING.md · LICENSE
├── FINANCE.template.md # Lite: one-file setup
├── skills/
│ ├── finance-perspective/
│ ├── fi-date-projection/
│ ├── sync-local/ # BYO CSV/JSON
│ └── sync-truthifi/ # Truthifi MCP (v0.2+)
├── memory-templates/ # Full: Markdown templates for your data dir
│ ├── MEMORY.template.md
│ ├── user_profile.template.md
│ ├── investments.template.md
│ ├── retirement_snapshot.template.md
│ └── spending_kb.template.md
├── docs/integrations/ # Ingestion-path setup guides
└── examples/
└── quarterly-review-walkthrough.md
Bug reports, new skills, better memory templates, additional MCP integrations — all welcome. See CONTRIBUTING.md. The hard rule: no PR may include real financial data, even sanitized. Templates only.
MIT. Use it, fork it, build a paid product on top of it.
This is not financial advice. Output from Claude Code or any LLM is not a substitute for advice from a licensed financial advisor, CPA, or tax attorney.