Tideline · Digital Products

Hire an AI CFO for your household.

Name: The Personal CFO Agent
Brand: Tideline
Price: 39.00 USD
Availability: InStock

The Personal CFO Agent turns Claude Code into a disciplined money operator that runs on your machine, against your bank's CSV exports: a weekly one-screen brief, a debt payoff plan with a real date on it, a bill radar, a subscription-leak audit, and a waterfall that gives every spare dollar one job. No accounts. No cloud service. Read-only by design.

Get the Agent — $39

One-time purchase · instant download · charter + 5 skills + 2 subagents · free v1.x updates

What your CFO does every week

Five commands, each a complete playbook the agent executes against your real numbers:

/money-brief

The state of your money on one screen: cash vs bills before payday, spend movers vs last month, debt progress, and THE one move this week — with the dollar impact shown.

/debt-avalanche

Highest-APR-first payoff order, simulated month by month to a debt-free date. Shows interest saved vs minimums-only, and what one extra $50/mo actually buys you.

/bill-radar

Everything due in the next 14 days, whether checking covers it before the next paycheck, and bills that quietly raised their price versus what you think they cost.

/subscription-leaks

Every recurring charge in your ledger, sorted by annual cost, with a keep/review/kill verdict — including duplicates, converted free trials, and price creep.

/goal-waterfall

Priority-ordered allocation of spare cash — with a reality check first: it computes your ACTUAL surplus from the ledger before it plans a dollar of it.

Two subagents

A CSV normalizer that turns any bank's export format into one clean ledger (with redaction and dedupe), and a statement auditor that hunts fees, duplicates, and gray charges.

Built like an operator, not a chatbot

Never invents a number. The charter hard-requires every figure to trace to your ledger, your declared accounts, or arithmetic it shows. Missing data gets named, not estimated.
Read-only by design. It plans, calculates, audits, and reports. It does not move money, log into anything, or touch credentials — you export CSVs, it keeps the books. That boundary is the product.
Flags instead of assumes. A declared bill that never hits the ledger, a minimum payment smaller than promised, a promo 0% APR treated as permanent — these are the errors that make money plans fiction, and the playbooks check for each one.

Honesty, up front: this is a pack of agent definitions — markdown charters and playbooks — not software with a UI, and it requires Claude Code (an Anthropic subscription you bring) or a comparable agentic CLI to run. If you don't already live near a terminal, start with our Money Ops Dashboard Kit instead. And no agent makes money appear: this one makes your position visible, your payoff date real, and your leaks named.

What's in the download

CLAUDE.mdthe CFO operating charter: role, data contract, five hard guardrails

skills/money-briefthe weekly one-screen brief playbook

skills/debt-avalanchepayoff simulation → debt-free date + sensitivity

skills/bill-radar14-day exposure, coverage check, price creep

skills/subscription-leaksrecurring-charge detection + keep/kill table

skills/goal-waterfallsurplus reality-check + priority allocation

agents/csv-normalizerany bank CSV → one ledger; redacts, dedupes, appends only

agents/statement-auditorfees, duplicates, gray charges — with the exact rows

data/example/a complete fictional household — run every command before touching your own data

Plain markdown + CSV/YAML — readable, editable, yours. Works natively with Claude Code; the playbooks are followable by any capable agent CLI. 15-minute quickstart included.

Get the Agent — $39

Secure checkout by Stripe · download link on-screen and by email

Want the dashboard too? The agent pairs with the Money Ops Dashboard Kit — the kit builds the feeds-and-collectors machinery; the agent is the analyst that runs your numbers and tells you the move.

Details

What do I need to run it?: Claude Code (Anthropic's agent CLI — you bring your own subscription; it is not included) or a comparable agentic LLM tool, plus CSV exports from your bank. Every bank offers CSV export. No coding required — the agents handle the file work.
Is my financial data safe?: Everything stays on your machine; there is no Tideline server involved. Your CSVs are only ever read by the LLM tool you choose to run, and the normalizer redacts account numbers by default. The included README says this plainly, including the one rule that matters: never give any AI your banking credentials — this system is CSV-based precisely so you never have to.
Who is it not for?: Anyone wanting automatic bank syncing, a phone app, or investment advice. It's an operator for the unglamorous core: cash, bills, debt, subscriptions, goals.
Format & delivery: One ZIP, delivered instantly after checkout (on-screen + emailed link). Markdown, CSV, and YAML — no binaries, no installers.
Refunds: All sales are final — it's a digital download, delivered instantly, and this page tells you exactly what's inside (including what isn't). Delivery problem? Email support@tideline.money and we'll make it right. Policy.
License & updates: Personal-use license: adapt the charters and playbooks for your own household; no redistribution of the package itself. v1.x updates are emailed free.