Works with the AI tools you already use

    Claude CodeClaude CodeCursorCursorCodex CLICodex CLIGitHub CopilotGitHub CopilotGemini CLIGemini CLI+20 more

    Personal Budget & Spending Sanity Gate

    1

    It does not write or optimize your budget and it gives no financial, investment, tax, or debt advice.

    $9

    Secure checkout via Stripe

    30-day refund guarantee

    Converts to your local currency at checkout

    4 installsSecurity scanned
    Personal Budget & Spending Sanity Gate

    Personal Budget & Spending Sanity Gate

    Example session with this skill installed

    Monthly budget. Take-home pay 4000.
    Rent 1500, utilities 200, groceries 250, transport 300.
    Savings goal 1000. Stated leftover 750.

    • Read your context and instructions
    • Compiled the personal budget

    VERDICT: REVISE
    SUMMARY: The plan is close but the leftover does not reconcile and two common categories are missing.
    ARITHMETIC: Spending plus savings is 3,250, leaving 750, but no line covers insurance or annual costs, so the real leftover is likely lower.
    COMPLETENESS: No category for insurance, phone or internet, or an emergency buffer.
    REALISM: Groceries of 250 may be low depending on household size; confirm it reflects everyone fed from this budget.
    CONSISTENCY: The 1,000 savings goal is fully funded by the stated leftover, which holds only if the missing categories are truly zero.
    LIVABILITY: With no buffer, a single unexpected bill would push the month negative.
    TOP FIXES: Add insurance and a small emergency buffer, then re-add the totals before locking the plan.

    Connects securely to your tools. The creator never sees your data.

    What you get

    checking a new monthly budget for math errors and missing categories before committingsanity-testing a budget template you copied to confirm it fits your real situationre-checking a budget after income or fixed costs change to confirm it still reconciles

    About this skill

    The Personal Budget & Spending Sanity Gate is an adversarial reviewer for a personal budget or monthly spending plan you provide as a file or pasted text. It does not write or optimize your budget and it gives no financial, investment, tax, or debt advice. It runs five narrow passes — arithmetic, completeness, realism, consistency, and livability — and returns a PASS / REVISE / HOLD verdict with the specific lines that do not reconcile, the categories that look missing, and the figures worth confirming.

    It is built for anyone drafting or updating a budget who wants a second set of eyes before they commit: catching the total that was never re-added, the category quietly left out, or the savings goal with no money behind it. It reads only the plan you give it, knows nothing of your real accounts, and hands every decision back to you.

    How to install

    Works the same in every agent - Claude, Cursor, Codex, Copilot and 20+ more.

    ~30 seconds
    1. 1

      Download the ZIP

      Free skills download straight away. Paid skills unlock right after purchase.

    2. 2

      Unzip into your skills folder

      Every agent reads skills from one folder on your machine. Drop the unzipped folder in there.

    3. 3

      Ask your agent to use it

      Restart the agent if it was already running. It picks the skill up automatically - no config needed.

    Skills folder by agent

    Click the path to copy it. Create the folder if it does not exist yet.

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    Security scanned

    Passed our 8-point scan before listing

    4 installs

    Downloaded by developers to date

    30-day refund

    Not a fit? Get your money back

    Trust & safety

    Security scanned

    Verified clean 3 months ago

    • Passed all security checks, Safe to install

    Listed3 months ago
    Updated2 days ago

    What's inside

    Frequently Asked Questions