'finance' 검색 결과

Debt payoff strategy generator. Compares avalanche (highest interest first) vs snowball (smallest balance first) methods, calculates payoff timelines and total interest saved, and recommends optimal payment allocation across multiple debts. Includes credit card consolidation and refinancing analysis. Use when the user says "/finance debt", "pay off my debt", "snowball or avalanche", "consolidation", or asks for any debt strategy.

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Spending analysis and custom budget builder. Analyzes spending patterns using 50/30/20 rule, zero-based budgeting, or envelope method. Categorizes expenses, identifies waste, suggests cuts, and produces a 12-month budget. Use when the user says "/finance budget", "build me a budget", "analyze my spending", "where is my money going", or asks about expense optimization.

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Emergency fund analyzer. Calculates the right emergency fund size based on job stability, family structure, fixed expenses, dependents, and employee vs. business-owner status. Recommends where to keep it (HYSA, money market, T-bills, I-Bonds), how fast to build it, what counts as a true emergency, and how to replenish after use. Produces FINANCE-EMERGENCY.md.

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Investment screener with pre-built strategies (Dividend Growth, 3-Fund Index, Bond Allocation, REITs, International Diversification, ESG) and custom criteria support. Returns curated ticker lists, allocation models, expected returns, expense ratios, and a recommended portfolio with rebalancing notes. Output saved as FINANCE-SCREEN.md.

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Investment portfolio analyzer. Audits current allocation vs target, asset class diversification (stocks, bonds, real estate, alternatives), expense ratios, tax efficiency, rebalancing needs, factor tilts (value, momentum, quality), three-fund portfolio fit, target-date fund analysis, and Boglehead-style optimization. Produces FINANCE-PORTFOLIO.md with a portfolio score, specific rebalancing trades, and fund swap recommendations.

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Net worth tracker and milestone planner. Calculates current net worth, projects future net worth at retirement, tracks milestones ($100K, $250K, $500K, $1M, $5M, $10M), benchmarks against age-based wealth targets and percentile rankings, and applies the Millionaire Next Door formula. Identifies the user's current wealth accumulation phase and the next action that moves the needle. Produces FINANCE-NETWORTH.md.

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FIRE (Financial Independence Retire Early) calculator covering Lean FIRE, Fat FIRE, Coast FIRE, and Barista FIRE. Calculates FI number, years to FIRE based on savings rate, geographic arbitrage opportunities, sequence of returns risk, and withdrawal strategies (4% rule, dynamic withdrawal, guard rails). Use when the user says "/finance fire", "financial independence", "retire early", "FI number", "Coast FIRE", or any early retirement question.

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Financial goal planner. Takes any goal (house down payment, college fund, wedding, sabbatical, business launch, car, vacation) and builds the required savings amount, monthly contribution, timeline, investment vehicle recommendation, milestone checkpoints, and adjustment scenarios. Supports multiple simultaneous goals with prioritization logic. Produces FINANCE-GOALS.md.

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Side-by-side comparison of two financial scenarios (buy vs rent, new job vs stay, payoff house vs invest, Roth vs Traditional, lease vs buy car, etc). Projects each scenario over 10 years, compares total cost, opportunity cost, risk profile, and produces a structured recommendation. Output saved as FINANCE-COMPARE.md.

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Retirement projection with Monte Carlo simulation logic. Calculates required nest egg via 4% rule and 25x expenses, projected vs needed gap, contribution recommendations, asset allocation by age, Social Security claim optimization, healthcare cost projections, and withdrawal sequence planning. Use when the user says "/finance retirement", "am I on track for retirement", "how much do I need to retire", "Social Security timing", or any retirement question.

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Personal finance assistant for budgeting, savings goals, investment tracking, debt optimization, tax preparation, insurance review, net worth tracking, and financial scenario modeling. Supports multi-currency, bank statement import (CSV/MT940/OFX), and locale-based tax rules. Use for any personal finance question: budget planning, expense tracking, portfolio allocation, FIRE calculations, debt payoff strategies, mortgage comparisons, tax deductions, insurance coverage, retirement planning, and life events with financial impact such as marriage, buying a house, changing jobs, having a baby, or going freelance.

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Transforms Claude into a CFA-level financial analyst for specialty finance, regulatory compliance, and industry-specific analysis. Use when performing private credit pricing, insurance reserving, FP&A variance analysis, wealth planning, restructuring recovery analysis, real estate valuation, venture capital analysis, ESG assessment, regulatory capital analysis (Basel III), compliance reporting (MiFID II, GIPS), credit derivatives (CDS, CVA), convertible bond analysis, lease accounting (ASC 842/IFRS 16), pension funding/LDI, sovereign risk assessment, real option valuation, equity research (SOTP, target price), commodity spread trading, treasury operations, PPP infrastructure modelling, onshore fund structuring, offshore fund structuring, transfer pricing analysis (BEPS, Pillar Two), tax treaty optimisation, FATCA/CRS compliance, economic substance analysis, regulatory reporting (AIFMD, Form PF), AML/KYC compliance, crypto/DeFi analysis, municipal bond analysis, structured products, trade finance, fund of funds (J-curve, commitment pacing, manager selection, secondaries), bank analytics (NIM, CAMELS, CECL, deposit beta, loan book), carbon markets (credit pricing, ETS, CBAM, offsets, shadow carbon price), or private wealth (concentrated stock, philanthropic vehicles, wealth transfer, direct indexing, family governance) analysis is required. Pairs with corp-finance-mcp tools for computation.

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Evaluates embedded finance opportunities with distribution economics and regulatory framework analysis. Use when analyzing embedded finance, evaluating BaaS models, or assessing embedded lending/insurance.

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Evaluates trade finance structures with letters of credit, supply chain financing, and receivables factoring for cross-border commerce. Use when analyzing trade finance, evaluating LC structures, or assessing supply chain financing.

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Analyze budget-versus-actual or forecast-versus-actual performance and turn finance data into a management-ready narrative using variance logic, drivers, cash impact, and forward actions. Use when finance, FP&A, or business leaders need commentary, management accounts, or performance explanation. Do not use for bookkeeping entries, tax filing preparation, or legal accounting sign-off.

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Personal financial planner for Thailand-based users. Use this skill when the user asks for help with budgeting, tax planning involving Thai-specific products (SSF, RMF, Thai ESG, Thai ESGX, Easy E-Receipt), debt strategy at Thai bank rates, retirement planning involving ประกันสังคม (มาตรา 33/39/40), กบข., PVD (provident fund), or any personal-money question framed in baht and Thai life events. Strong activation phrases include "ช่วยวางแผนการเงิน", "วางแผนภาษี", "ปลดหนี้บัตรเครดิต", "ลดหย่อน RMF", "Help me with my Thai finances", "How much should I save in Thailand", "ม.33 vs ม.39", "เกษียณต้องเก็บเงินเท่าไหร่". Do NOT use for non-Thai financial contexts (US 401(k), Canadian RRSP, UK ISA, etc.) — different skills exist for those.

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Professional finance research toolkit — backtesting (11 engines + benchmark comparison panel), factor analysis, Alpha Zoo (478 pre-built alphas across qlib158/alpha101/gtja191/academic/fundamental), options pricing, 90 finance skills, 30 multi-agent swarm teams, Trade Journal analyzer, and Shadow Account (extract → backtest → render) across 29 market-data sources (tushare, yfinance, okx, binance, akshare, baostock, tencent, mootdx, ccxt, futu, mt5, tickerall, local, eastmoney, sina, stooq, yahoo, pykrx, india_broker, qveris, longbridge, nobitex, wallex, plus optional-key finnhub/alphavantage/tiingo/fmp/gildata).

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Access Apple Card, Apple Cash, and Wallet financial data using FinanceKit. Use when querying transaction history, reading account balances, accessing Wallet orders, requesting financial data authorization, or building personal finance features that integrate with Apple's financial services.

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Financial advisor for GreenEnergyFL — tracks job finances, bills, vendor payments, cash flow, and overdue invoices. Use this skill whenever the user asks about money, payments, invoices, bills, job costs, what's owed, what's coming in, cash flow, overdue accounts, financial summaries, or anything related to GreenEnergyFL's finances. Trigger even if the user just says "check the bills", "what do we owe", "who hasn't paid", "how are we doing financially", or "show me the jobs".

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Build decentralized finance contracts from Solidity templates for staking and token swaps. Examples cover reward distribution, adding and removing pooled tokens, and swap calculations, with additional patterns for governance and flash loans.

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• Build staking contracts that distribute rewards
• Implement token swaps using pooled assets
• Create governance token systems

Analyze public blockchain records to assess crypto market conditions. Combine network activity, large-holder transfers, decentralized finance liquidity, and valuation measures into a report with indicator comparisons, a composite score, and an interpretation of market signals.

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• Compare blockchain activity with price trends
• Examine large-holder transfers and exchange flows
• Review funds held in decentralized finance and trading liquidity

Use investor psychology to examine trading signals and risk controls, especially in China A-shares. The skill provides sentiment measures, checklists for biased decisions, and frameworks for assessing momentum, which follows trends, and reversal strategies.

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• Reviewing market optimism and fear
• Examining momentum and reversal strategies
• Checking investment decisions for cognitive biases

Compare education and career choices using frameworks drawn from 张雪峰’s public statements. The skill considers family finances, academic results, employment rates, and median salaries to work backward from typical graduate outcomes toward practical options.

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• Comparing majors through typical graduate outcomes
• Choosing schools with family finances in mind
• Evaluating postgraduate study against employment options

Plan international hiring by comparing an employer of record, a provider that employs staff locally, with a local entity. Prepare stakeholder questions, draft local counsel briefing requests, and track unresolved tasks across sessions.

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• Compare local hiring through an employer of record or an entity
• Prepare questions for tax, finance, and HR teams
• Draft a country-specific briefing request for local counsel