PERSONAL FINANCE AGENT

a high-performance, terminal-native Local AI Financial Planning & Analysis Suite for Claude Code. Engineered as a zero-infrastructure developer and advisory utility, it transforms the Claude Code command line into an automated wealth-management diagnostic engine—providing professional multi-dimensional analytics without the high asset-under-management (AUM) fees typically charged by human advisors.The suite utilizes a client-side Local Parallel Multi-Agent Swarm. When a user executes a master plan command like /finance, a central routing script dispatches five specialized sub-agents concurrently across the local IDE environment. Each agent claims an isolated mathematical track: evaluating cash flow leverage, mapping optimal debt payoff models (Avalanche vs. Snowball), checking investment asset allocation drift, evaluating Financial Independence / Early Retirement (FIRE) withdrawal limits, and auditing insurance or estate protection coverage gaps.The engine synthesizes these inputs into a definitive Financial Health Score (0-100) with an associated letter grade (A+ to F) and maps a customized, 90-day month-by-month foundational roadmap. Operating with zero cloud dependencies or external database footprints, the package runs in a cross-platform Python virtual environment (venv) and leverages ReportLab to programmatically compile polished, 9-page client-ready PDF financial reports complete with horizontal bar graphs, color-coded risk indicators, and allocation pie charts.