coinskills

Goal-centric financial superpowers for Claude Code. Profile your finances, set goals, build plans, decide affordability — all in your own private git repo.

Install

# Step 1: Add the marketplace
/plugin marketplace add Lutherwaves/coinskills

# Step 2: Install the plugin
/plugin install coinskills@coinskills

Skills

• /coinskills:init — Profile + create private workspace repo + seed goals
• /coinskills:start — Status snapshot vs goals, main menu
• /coinskills:goals — Create, edit, retire goals
• /coinskills:plan — Build or revise strategy for a goal
• /coinskills:afford — Auto-triggers on "can I afford X" — full goal-impact decision
• /coinskills:log — Quick ad-hoc transaction / income / balance entry
• /coinskills:analyze — Spending, net worth, allocation — framed against goals
• /coinskills:review — Periodic review (monthly/quarterly/yearly)
• /coinskills:edit — Guided editor for any account/goal/plan/profile field. Confirms estimated values, supports undo.
• /coinskills:migrate — One-shot v0.1 → v0.2 workspace migration. Run once after upgrading the plugin.

v0.2 features

• Recoverability. Every mutation is logged to changes.jsonl. /coinskills:edit undo reverses any change with conflict detection.
• Estimated-value tracking. Fields you guessed at init time are flagged with _estimated. The edit skill prompts you to confirm or correct them over time.
• Structured prerequisites. Goals can specify hard prereqs (other goals complete, account balance thresholds, attestations, time-since) and afford evaluates them automatically.
• Funding modes. monthly, windfall-only (aspirational goals), hybrid. Afford's goal-impact analysis respects funding mode — windfall-only goals don't get "delayed" by everyday spending.
• Goal-detection in afford. When you ask about a big-ticket item with no deadline and no rush, afford suggests creating a goal first instead of forcing a YES/NO verdict.
• Snapshot cache. Liquidity and per-goal projections are computed once and cached at snapshots/latest.json. Any mutation marks it stale; the next read recomputes.

Upgrading

If you have a v0.1 workspace, run /coinskills:migrate after installing v0.2. The migration is idempotent, creates a backup at .backups/, and walks you through converting prose prerequisites to structured form.

Quickstart

/coinskills:init
# follow the interview — sets up your profile, creates a private GitHub repo,
# walks through accounts/holdings/debts/income, and seeds your first goals

/coinskills:start
# any time — see status against goals

# Then use ad-hoc:
"Can I afford a €1200 espresso machine?"      # auto-triggers /afford
"Платих 42 в Lidl"                             # /log
"How am I doing on the house deposit?"         # /analyze

Modules (opt-in)

• Personal finance — income, expenses, budgets, cash flow
• Investments — portfolio, allocation, holdings
• Business / freelance — invoices, expenses, P&L

Privacy

• Workspace repo is always private — init enforces --private and refuses to proceed otherwise.
• No account numbers, no card PANs, no credentials are ever stored. Account id is a slug.
• A .gitignore template ships in the workspace seed (ignores .env, raw *.csv, tmp/, *.pdf).
• Push is opt-in per session — Claude never auto-pushes without asking.

Design

See docs/specs/2026-04-27-coinskills-design.md.