This is a submission for the OpenClaw Challenge .

What I Built

Finn is a personal finance assistant that lives entirely in WhatsApp. No app to install, no dashboard to remember to open — you just message Finn the way you'd message a friend.

The problem Finn solves is a real one: most personal finance tools require you to change your habits (log into an app, categorize manually, remember later). Finn fits into a habit you already have — checking WhatsApp.

What it can do:

📝 Log expenses and income via text or voice note (Whisper transcription)

📄 Parse credit card PDF invoices — send the PDF, review the itemized list, confirm, saved

🏦 Parse bank account statement PDFs — transactions extracted via a saldo-diff algorithm that works around garbled PDF text

🔍 Query spending — by period, category, card, or cost center (cross-source: credit cards + bank account + manual entries combined)

✏️ Edit or delete any saved record by just describing it

🔒 Phone whitelist — only your number gets a…