Personal budget management with privacy-first local storage. Use when user mentions setting a budget, tracking spending, logging expenses, checking budget status, or managing money by category. Tracks income, expenses, and category budgets with proactive alerts. NEVER accesses bank accounts or external financial services.
Personal budgeting system with proactive tracking. Private. Simple. Effective.
memory/budget/Budget data stored in your local workspace:
memory/budget/budget.json - Monthly budget limits by categorymemory/budget/expenses.json - All logged expensesmemory/budget/income.json - Income sourcesmemory/budget/reports/ - Generated reports and digestsUse provided scripts in scripts/ for all data operations.
User: "My food budget is $500 per month"
→ Use scripts/set_budget.py --category food --limit 500 --period monthly
→ Store budget limit
User: "I spent $45 on groceries"
→ Use scripts/log_expense.py --amount 45 --category food --description "groceries"
→ Check against budget, alert if thresholds crossed
User: "How is my budget this month?"
→ Use scripts/budget_status.py --period month
→ Show all categories with spent/remaining/status
User: "What can I still spend on dining?"
→ Use scripts/category_status.py --category dining
→ Show remaining budget for specific category
User: "I went over on entertainment"
→ Use scripts/overage_analysis.py --category entertainment
→ Show overage amount and suggest recovery options
User: "Show me my spending report"
→ Use scripts/generate_report.py --type weekly
→ Generate detailed spending analysis
For detailed implementation of each module:
All data operations use scripts in scripts/:
| Script | Purpose |
|---|---|
set_budget.py | Set or update budget for category |
log_expense.py | Log an expense |
delete_expense.py | Remove/correct an expense |
budget_status.py | Show overall budget health |
category_status.py | Show specific category status |
list_expenses.py | View expense history |
overage_analysis.py | Analyze and suggest recovery for overages |
reallocate_budget.py | Move budget between categories |
generate_report.py | Generate spending reports |
export_data.py | Export budget data (CSV/JSON) |
| Category | Typical Budget | Common Expenses |
|---|---|---|
| Housing | 25-35% income | Rent, mortgage, insurance |
| Food | 10-15% income | Groceries, dining out |
| Transport | 10-15% income | Gas, transit, maintenance |
| Utilities | 5-10% income | Electric, gas, internet, phone |
| Entertainment | 5-10% income | Movies, hobbies, subscriptions |
| Health | 5-10% income | Insurance, medical, gym |
| Shopping | 5-10% income | Clothing, household items |
| Savings | 10-20% income | Emergency fund, investments |
Custom categories can be added as needed.
This skill provides budget tracking and organization only. It does not provide financial advice, investment recommendations, or tax guidance. For financial planning, consult a qualified financial advisor.