Individual skill

fifty-thirty-twenty-budget

Applies the 50/30/20 budgeting rule to the user's income, categorizing every expense as a need (50%), want (30%), or savings/debt repayment (20%). Produces a populated allocation table showing current spending against these targets with specific rebalancing recommendations. Use when the user asks about the 50/30/20 rule, wants a simple percentage-based budget, or needs help categorizing spending into needs, wants, and savings. Do NOT use for zero-based budgeting (use zero-based-budget), variable income budgets (use variable-income-budget), or investment allocation.

src/process/resources/skills-library/bodies/skills/personal-finance/fifty-thirty-twenty-budget/SKILL.md

Source commit 4c030c7b01c241df7b6e3535635a970f10d781af

What was checked

Matches the observed repository HEAD

Yes

Scanner rules are current

Yes

Repository scan complete

No

Skill scan complete

Yes

Observed behavior

Instructions only

Last checked

Nov 4, 2026

These are observations at the recorded commit, not a guarantee of safety. Review the source before running it.

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