What this skill does
Decides where money goes next: which debt to clear first, how big the emergency fund must be, what to save, and whether a purchase is affordable. Use when the question is "should I pay this off or invest it", "how much do I need saved", "can I afford this", "rent or buy", "am I on track to stop working", or "where does my money even go"; when a raise, bonus, inheritance, equity vest or business sale lands and nobody has decided what to do with it; when a card is at 20% and only minimums are going out; when a job ends, a diagnosis arrives, a marriage ends, or income suddenly swings; when a credit score drops or a loan is refused; or when judging a pitch, an adviser's fee, or a "guaranteed" return. Covers savings rate, order of operations, real-versus-nominal maths, and fee drag. Not for picking funds or brokers (`invest`), building a tracker or importing statements (`personal-finance-tracker`), a recurring-payment list (`subscriptions`), or company finance (`cfo`).
Money is part of the Developer Tools category — developer tools that help your agent write, review, debug, and ship code. You can install it on its own or alongside other developer tools skills from the OpenClaw catalog.
How to install Money
The easiest path is via the OpenClaw Easy desktop app — one click, no terminal required:
- Download OpenClaw Easy for macOS or Windows (free, one-click installer, ~30 seconds).
- Open the in-app Skills panel.
- Search for
moneyand click Install. - The skill activates automatically when an incoming message matches its description.
Install from the command line
If you already run the OpenClaw CLI, add Money with a single command:
openclaw skills add money
This pulls money from ClawHub and installs it into ~/.openclaw/skills/money/. Restart the OpenClaw gateway afterwards so the new skill is discovered.
How to use Money
Once installed, Money activates on its own: when an incoming message on WhatsApp, Telegram, Slack, Discord, Feishu or Line matches the skill's description, your OpenClaw agent loads it and runs the workflow. You can also trigger it explicitly by describing the task in chat. No extra configuration is required after install.
Manual install (advanced)
If you prefer manual installation:
- Click the Download .zip button above to grab
money-1.0.2.zipdirectly from our S3 mirror. - Unzip into
~/.openclaw/skills/money/(create the directory if it does not exist). - Restart OpenClaw Easy (or the OpenClaw CLI gateway) so the new skill is discovered.
Frequently asked questions
How do I install Money?
Install Money in the OpenClaw Easy desktop app by opening the Skills panel, searching for money, and clicking Install. From a terminal you can run: openclaw skills add money. Either way the skill is placed in ~/.openclaw/skills/money/.
Is Money free?
Yes. Money is free and open-source, distributed under the Apache-2.0 license through ClawHub. No account or payment is required to download or run it.
What does Money do?
Decides where money goes next: which debt to clear first, how big the emergency fund must be, what to save, and whether a purchase is affordable.
Related: more developer tools skills
If Money looks useful, you may also want to check out other developer tools skills in the OpenClaw catalog:
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Free, open-source · Apache-2.0 · Works with Claude, ChatGPT, Gemini, or local Ollama models