finyx

Finyx

An AI-powered personal finance advisor for Claude Code. Tax optimization, investment portfolio analysis, pension planning, insurance, real estate, and a unified financial insights dashboard — delivered as model-invoked skills that you talk to in plain language.

"Set up my financial profile"              → finyx-profile
"How can I optimize my taxes?"             → finyx-tax
"Review my ETF portfolio"                  → finyx-invest
"Am I saving enough for retirement?"       → finyx-pension
"Check my insurance coverage"              → finyx-insurance
"Analyze this property in Kassel"          → finyx-realestate
"How am I doing financially?"              → finyx-insights
"Help me prepare for my doctor visit"      → finyx-health
"Check my medications for interactions"    → finyx-health meds
"I need a second opinion on surgery"       → finyx-health second-opinion

There are no slash commands to memorize. Claude routes to the right skill based on what you ask.

What it does

Finyx is a Claude Code plugin made up of seven specialist skills sharing a single financial profile. Each skill knows its domain (tax, investing, pension, insurance, real estate) and reads .finyx/profile.json for context. They give integrated, country-aware advice — not siloed single-domain recommendations.

Key capabilities:

• Tax advisor — German (Abgeltungssteuer, Sparerpauschbetrag, Vorabpauschale, Teilfreistellung) and Brazilian (IR, DARF, come-cotas, FII exemptions) investment tax guidance, plus DBA cross-border mechanics for expats
• Investment advisor — Portfolio analysis, risk profiling, ETF recommendations, rebalancing, broker comparison (DE + BR with live discovery), with live market data (Finnhub, brapi.dev)
• Pension planning — Riester/Rürup/bAV (DE), PGBL/VGBL/INSS (BR), cross-country retirement projection
• Insurance advisor — 13 German insurance product types (Haftpflicht, Hausrat, Kfz, Rechtsschutz, GKV/PKV health, and more), portfolio gap detection, PDF policy parsing
• Real estate analysis — Seven-workflow pipeline: scout, analyze (Sonder-AfA §7b, Kaufnebenkosten), filter, compare, stress-test, advisor briefing in DE/EN/PT, mortgage rates
• Financial insights — Cross-domain health dashboard with income allocation, tax efficiency score, net worth snapshot, goal pace tracking, and ranked top-5 actions by € impact
• Health advisor (MDR-safe) — Pre-visit preparation for adults in Germany: symptom intake (OPQRST/SOCRATES), medical record decoding (Arztbriefe, Laborbefunde), PRISCUS 2.0 medication check for adults ≥65, §27b SGB V second-opinion case structuring, doctor sourcing (KV Berlin, certified Zentren), G-BA Vorsorgekatalog gap analysis, and longitudinal health diary with optional Home Assistant sensor overlay
• Cross-border support — Built for expats with obligations in multiple jurisdictions (Germany + Brazil)

Installation

Option A: Claude Code plugin (recommended)

claude plugin add github:italolelis/finyx

Requires Claude Code.

Option B: npm (provides the finyx CLI for status/help)

npm install -g @italolelis/finyx

This installs the finyx CLI for project status, help text, and version checks. It does not install the skills themselves — use Option A for that.

Quick start

1. Set up your profile (mandatory first step):

   "Set up my financial profile"

   Claude invokes finyx-profile, runs a 5-minute interview (residency, tax data, family, goals, risk tolerance), and creates .finyx/profile.json.

2. Ask for advice in plain language:

   • "How can I improve my tax situation?" → finyx-tax
   • "Review my portfolio and suggest rebalancing" → finyx-invest
   • "What's my retirement gap?" → finyx-pension
   • "Do I have insurance gaps?" → finyx-insurance
   • "Analyze this Kassel property" → finyx-realestate
   • "Give me a financial health check" → finyx-insights

3. CLI utilities (if installed via npm):

   finyx help      # Capability summary
   finyx status    # Profile + project state
   finyx version
   

Configuration

By default, Finyx reads your financial profile from ./.finyx/profile.json (project-local) or ~/.finyx/profile.json (global fallback). You can override this via an environment variable or a user-level config file.

Profile path precedence

#	Source	Notes
1	$FINYX_PROFILE env var	Highest priority. Must point to an existing file.
2	~/.config/finyx/config.json profile_path key	User-level default.
3	./.finyx/profile.json	Project-local profile in current working directory.
4	~/.finyx/profile.json	Global fallback. Used when none of the above exist.