skills/help/SKILL.md
Finyx help and status utility — list all available commands, check project status and workflow progress, and update Finyx to the latest version from npm. Use when the user asks what Finyx can do, needs help with commands, or wants to check status.
npx skillsauth add italolelis/finyx finyx-helpInstall this skill globally with one command. Works with Claude Code, Cursor, and Windsurf.
3 of 9 scanners reported clean
Some scanners were skipped, did not run, or reported a non-clean status. Review each row below.
Provide comprehensive help, project status, and update functionality for Finyx:
This skill handles all three utility operations. The active sub-command is determined by the invocation:
/finyx:help → Show command reference/finyx:status → Show project status/finyx:update → Check for and apply updatesOutput is reference/status text only. No advisory analysis is performed. No files are written except during update.
</objective><execution_context>
${CLAUDE_SKILL_DIR}/references/disclaimer.md @.finyx/profile.json
<!-- Project-local fast-path. Authoritative profile path is resolved at runtime via scripts/resolve-profile.sh. See scripts/README.md. --></execution_context>
<process>Detect which sub-command was invoked:
/finyx:help → proceed to Phase 2: Help Output/finyx:status → proceed to Phase 3: Status/finyx:update → proceed to Phase 4: UpdateOutput ONLY the reference content below. Do NOT add:
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
FINYX — Personal Finance Advisor
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
Finyx is a personal finance advisor built as Claude Code slash-commands. It analyzes real estate investments, provides tax guidance, investment portfolio analysis, pension planning, insurance comparison, and a unified financial health dashboard — all backed by your financial profile.
┌─────────┐ ┌─────────┐ ┌─────────┐ ┌─────────┐ ┌─────────┐ ┌─────────┐
│ PROFILE │───▶│ SCOUT │───▶│ ANALYZE │───▶│ FILTER │───▶│ COMPARE │───▶│ REPORT │
└─────────┘ └─────────┘ └─────────┘ └─────────┘ └─────────┘ └─────────┘
│ │ │ │ │ │
Financial Research Calculate Apply Side-by-side Advisor
Profile Location Metrics Criteria Comparison Briefing
│
▼
┌─────────┐
│ TAX │
└─────────┘
│
Investment
Tax Advisor
│
▼
┌─────────┐
│ INVEST │
└─────────┘
│
Portfolio
Advisor
│
▼
┌─────────┐
│ BROKER │
└─────────┘
│
Broker
Comparison
│
▼
┌─────────┐
│ PENSION │
└─────────┘
│
Retirement
Planning
│
▼
┌──────────┐
│INSURANCE │
└──────────┘
│
PKV/GKV
Advisor
│
▼
┌─────────┐
│INSIGHTS │
└─────────┘
│
Financial
Health
# 1. Complete your financial profile (required first step)
/finyx:profile
# 2a. Get personalized investment tax guidance (any time after profile)
/finyx:tax
# 2b. Get portfolio analysis and ETF recommendations
/finyx:invest
# 2c. Compare brokers and get a profile-based recommendation
/finyx:broker
# 2d. Get pension planning and retirement projection
/finyx:pension
# 2e. Get PKV vs GKV insurance comparison
/finyx:insurance
# 2f. Get unified financial health dashboard
/finyx:insights
# 3. Add property documents to properties/[location]/
# (price lists, exposés, calculation docs)
# 4. Research the location
/finyx:scout kassel
# 5. Analyze units and calculate metrics
/finyx:analyze kassel
# 6. Apply criteria and create shortlist
/finyx:filter kassel
# 7. Compare shortlisted properties
/finyx:compare
# 8. Run stress tests (optional)
/finyx:stress-test
# 9. Generate advisor briefing
/finyx:report --lang pt
| Command | Description |
|---------|-------------|
| /finyx:profile | Complete financial profile — must run first |
| /finyx:status | Show current state and next action |
| /finyx:update | Update Finyx to the latest version |
| /finyx:help | This reference |
| Command | Description |
|---------|-------------|
| /finyx:tax | Investment tax advisor — German and Brazilian tax guidance |
| Command | Description |
|---------|-------------|
| /finyx:invest | Portfolio analysis, ETF recommendations, rebalancing, and live market data |
| /finyx:broker | Broker fee comparison and profile-based recommendation with live market discovery |
| Command | Description |
|---------|-------------|
| /finyx:pension | Pension advisor — Riester/Rürup/bAV (DE) and PGBL/VGBL (BR) guidance with cross-country projection |
| Command | Description |
|---------|-------------|
| /finyx:insurance | PKV vs GKV decision advisor — cost projections, family impact, tax implications |
| Command | Description |
|---------|-------------|
| /finyx:insights | Unified financial health dashboard — income allocation, tax efficiency, net worth, goal tracking |
| Command | Description |
|---------|-------------|
| /finyx:scout [location] | Research location viability (Erbpacht, transport, market) |
| /finyx:rates | Research current mortgage interest rates |
| Command | Description |
|---------|-------------|
| /finyx:analyze [location] | Extract units, calculate metrics, rank by yield |
| /finyx:filter [location] | Apply criteria and create shortlist |
| /finyx:compare | Side-by-side comparison of all shortlisted units |
| /finyx:stress-test | Run stress scenarios (0% appreciation, rate hike, vacancy) |
| Command | Description |
|---------|-------------|
| /finyx:report | Full advisor briefing (Markdown) |
| /finyx:report --short | 1-page executive summary |
| /finyx:report --pdf | Generate PDF report |
| /finyx:report --short --pdf | 1-page PDF summary |
| /finyx:report --lang pt | Generate in Portuguese |
/finyx:profileComplete a financial profile interview through interactive flow. This is the mandatory first step — no other Finyx command runs without a completed profile.
Gathers:
Creates:
.finyx/profile.json — Financial profile.finyx/STATE.md — Analysis state trackingproperties/ — Folder for property documentsFINYX.md — Project summary/finyx:taxGet personalized investment tax guidance based on your financial profile.
Routes by country (auto-detected from profile):
Covers:
Requires: Completed financial profile (run /finyx:profile first)
/finyx:investGet portfolio analysis and ETF recommendations based on your financial profile.
Covers:
Requires: Completed financial profile (run /finyx:profile first)
/finyx:brokerCompare broker fees and get a profile-based broker recommendation.
Covers:
Requires: Completed financial profile (run /finyx:profile first)
/finyx:pensionGet personalized pension planning guidance based on your financial profile.
Routes by country (auto-detected from profile):
Covers:
Requires: Completed financial profile (run /finyx:profile first)
/finyx:insuranceGet personalized PKV vs GKV health insurance comparison.
Covers:
Requires: Completed financial profile (run /finyx:profile first)
/finyx:insightsGet a unified financial health dashboard across all advisor domains.
Covers:
Requires: Completed financial profile (run /finyx:profile first)
/finyx:scout [location]Research a location for investment viability.
Investigates:
Creates: .finyx/research/locations/[location].md
Example: /finyx:scout kassel
/finyx:analyze [location]Analyze all properties in a location folder.
Process:
Creates:
.finyx/analysis/[location]/UNITS.md — All extracted units.finyx/analysis/[location]/RANKED.md — Sorted by metricsExample: /finyx:analyze kassel
/finyx:filter [location]Apply investor's criteria to create shortlist.
Filters:
Creates:
.finyx/analysis/[location]/SHORTLIST.md — Qualifying units.finyx/analysis/[location]/EXCLUSIONS.md — Excluded with reasonsExample: /finyx:filter kassel
/finyx:compareSide-by-side comparison of all shortlisted properties.
Displays:
/finyx:stress-testRun stress scenarios on shortlisted properties.
Scenarios:
Creates: .finyx/analysis/STRESS-TEST.md
/finyx:ratesResearch current mortgage interest rates in Germany.
Sources: Dr. Klein, Baufi24, Interhyp, Finanztip
Outputs:
Creates: .finyx/research/market/RATES-[date].md
/finyx:report [--short] [--pdf] [--lang XX]Generate advisor briefing document.
Full Report (default):
.finyx/output/BRIEFING-[date].mdShort Report (--short):
.finyx/output/SUMMARY-[date].mdPDF Output (--pdf):
.finyx/output/BRIEFING-[date].pdfLanguages: en (default), pt (Portuguese), de (German)
Examples:
/finyx:report — Full briefing (Markdown)/finyx:report --pdf — Full briefing as PDF/finyx:report --short --pdf — 1-page PDF summary/finyx:report --short --pdf --lang pt — Portuguese PDF summary/finyx:statusShow current analysis state and recommended next action. See Phase 3 below for full output format.
/finyx:updateUpdate Finyx to the latest version from npm. See Phase 4 below for full update process.
Ground lease where you own the building but lease the land. Finyx auto-detects Erbpacht indicators and excludes properties with undisclosed ground rent.
Why critical: Hidden Erbbauzins (ground rent) can cost €1,000–5,000/year.
German special depreciation for new construction:
Finyx models both phases separately — the "good period" and the "bleeding period".
German 10-year holding period for tax-free capital gains. Finyx's default strategy: buy → rent → sell tax-free at year 10.
German acquisition costs (~8% of purchase price):
project/
├── FINYX.md # Project summary
├── properties/
│ └── [location]/ # Property documents (price lists, exposés)
│
└── .finyx/
├── profile.json # Financial profile and criteria (created by /finyx:profile)
├── STATE.md # Workflow state tracking
│
├── research/
│ ├── market/
│ │ └── RATES-*.md # Interest rate research
│ └── locations/
│ └── [location].md # Location research
│
├── analysis/
│ ├── [location]/
│ │ ├── UNITS.md # All extracted units
│ │ ├── RANKED.md # Sorted by metrics
│ │ ├── SHORTLIST.md # Qualifying units
│ │ └── EXCLUSIONS.md # Excluded with reasons
│ └── STRESS-TEST.md # Stress test results
│
└── output/
└── BRIEFING-*.md # Generated reports
| Country | Status | Key Features | |---------|--------|--------------| | Germany | Full | Sonder-AfA, Spekulationsfrist, Nebenkosten, Erbpacht detection, PKV/GKV, Abgeltungssteuer | | Brazil | Full | IR filing, DARF, come-cotas, FII exemptions, PGBL/VGBL, INSS |
Finyx follows 10 mandatory rules for real estate analysis:
| Resource | Description |
|----------|-------------|
| /finyx:help | This reference |
| /finyx:status | Current state and next action |
| /finyx:update | Update to latest version |
| GitHub Issues | Bug reports and feature requests |
PROFILE_PATH=$("${CLAUDE_SKILL_DIR}/../../scripts/resolve-profile.sh" 2>/dev/null) || { echo "NO_PROFILE"; }
If NO_PROFILE:
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
FINYX ► NO PROFILE FOUND
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
No Finyx financial profile found in current directory.
To start: /finyx:profile
Exit.
Read:
$PROFILE_PATH — Financial profile (resolved by gate check; @-include is a project-local fast-path only).finyx/STATE.md — Current statels -d properties/*/ 2>/dev/null | xargs -I {} basename {}
For each location, check:
.finyx/research/locations/[location].md exists → SCOUTED.finyx/analysis/[location]/UNITS.md exists → ANALYZED.finyx/analysis/[location]/SHORTLIST.md exists → FILTERED━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
FINYX ► STATUS
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
Project: [PROJECT_NAME]
Phase: [CURRENT_PHASE]
Updated: [LAST_UPDATE]
───────────────────────────────────────────────────────
INVESTOR PROFILE
───────────────────────────────────────────────────────
Income: €[TOTAL]/year
Tax Rate: [RATE]%
Available: €[ASSETS]
Criteria: ≥[YIELD]% yield, ≤€[PRICE], [SIZE]m²
───────────────────────────────────────────────────────
LOCATIONS
───────────────────────────────────────────────────────
| Location | Status | Units | Shortlisted |
|----------|--------|-------|-------------|
| kassel | ✅ FILTERED | 86 | 3 |
| munich | 🔍 SCOUTED | - | - |
| taucha | ❌ EXCLUDED | - | Quality |
───────────────────────────────────────────────────────
SHORTLIST
───────────────────────────────────────────────────────
1. kassel/0.18 - €272k - 3.16% - 47.8m²
2. kassel/4.1 - €377k - 2.95% - 62.7m² - Parking ✅
3. kassel/3.7 - €401k - 3.20% - 73.8m²
───────────────────────────────────────────────────────
NEXT ACTION
───────────────────────────────────────────────────────
[CONTEXTUAL RECOMMENDATION]
Examples:
- "Run /finyx:scout munich to research Munich location"
- "Run /finyx:analyze kassel to calculate metrics"
- "Run /finyx:compare to compare shortlisted units"
- "Run /finyx:report to generate advisor briefing"
Logic:
Append the legal disclaimer from the loaded disclaimer.md reference at the end of all output.
PROFILE_PATH=$("${CLAUDE_SKILL_DIR}/../../scripts/resolve-profile.sh") || exit $?
CURRENT=$(npm list -g finyx-cc --depth=0 2>/dev/null | grep finyx-cc | sed 's/.*@//')
echo "Current version: ${CURRENT:-not installed globally}"
Also check local installation:
[ -f ~/.claude/finyx/package.json ] && cat ~/.claude/finyx/package.json | grep '"version"'
LATEST=$(npm view finyx-cc version)
echo "Latest version: $LATEST"
If current equals latest:
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
FINYX ► ALREADY UP TO DATE
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
You're running the latest version: v[VERSION]
If update available, continue to Step 4.
Fetch release notes from GitHub:
https://api.github.com/repos/italolelis/immo/releases/latest
Extract and display:
Run the installer to update:
npx finyx-cc@latest
NEW_VERSION=$(npm list -g finyx-cc --depth=0 2>/dev/null | grep finyx-cc | sed 's/.*@//')
Display:
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
FINYX ► UPDATED SUCCESSFULLY
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
Updated: v[OLD] → v[NEW]
What's New in v[NEW]:
─────────────────────────────────────────────────────
[CHANGELOG CONTENT]
─────────────────────────────────────────────────────
Run /finyx:help to see available commands.
Append the legal disclaimer from the loaded disclaimer.md reference at the end of this output.
</process><error_handling>
</error_handling>
tools
Home Assistant sensor integration bridge — air quality, humidity, temperature, sleep, weight, and blood pressure data correlated with health diary entries. Uses ha-mcp (user-side uvx install) as the sole MCP boundary via finyx-home-sensor-agent. Sub-skills: setup (one-time HA config), snapshot (current sensor state), audit (30/90-day environmental history), correlate (sensor vs. symptom cross-correlation as HYPOTHESES). Use when the user asks about: Home Assistant, HA sensor data, air quality correlation, sleep environment analysis, indoor humidity, CO2, PM2.5, VOC, allergen exposure tracking, sensor staleness, environmental audit, correlate sensors with symptoms. Does NOT cover: medical diagnosis, clinical advice, automated home control, non-health sensor analytics. Sibling skill finyx-health covers symptoms, records, and clinical preparation. All sensor-symptom correlations are HYPOTHESES — never causal claims. Prerequisites: ha-mcp installed (see README.md). HOMEASSISTANT_TOKEN env var set to a Long-Lived Access Token. finyx-home setup run once.
tools
Pre-visit preparation and health education for adults in Germany. Helps users arrive at medical appointments prepared — symptom intake (OPQRST/SOCRATES), record decoding (Arztbriefe, Laborbefunde), differential context with AWMF/ IQWiG/Cochrane citations, doctor sourcing (KV Berlin first, Germany-wide expansion when warranted), G-BA Vorsorgekatalog gap analysis, medication checks (PRISCUS 2.0), §27b SGB V second-opinion case structuring. Use when the user asks about: symptoms, Arztbrief, Laborbefund, Befund decoding, pre-visit preparation, finding a Facharzt / GP / Hausarzt in Berlin, Vorsorge, Check-up 35, Krebsfrüherkennung, IGeL, PRISCUS, medication interactions, second opinion, Maximalversorger, certified Zentrum, health diary, symptom tracking, biomarker logging, blood pressure log, weight log, mood log, sleep log, appointment tracking, Doctolib search, samedi search, Arzttermin, Terminsuche. Does NOT cover: clinical diagnosis, treatment recommendations, dose changes, automated booking, ePA integration, pediatric care, Brazilian health system, wearables ingest. Sibling skill finyx-home covers Home Assistant sensor data.
data-ai
Investment tax advisor for German and Brazilian investors — Abgeltungssteuer, Sparerpauschbetrag, Vorabpauschale, DARF, come-cotas, cross-border DBA guidance. Use when the user asks about taxes, tax optimization, Steuererklärung, tax class, deductions, or investment taxation.
testing
Real estate investment analysis for Germany — location scouting (Erbpacht, transport), property analysis (yield, Kaufnebenkosten, AfA), filtering, shortlist comparison, stress testing, advisor briefing, and mortgage rate research. Use when the user asks about real estate, property investment, Immobilien, mortgage, Kaufnebenkosten, rental yield, or location scouting.