Individual skill
budget-builder
Build a realistic personal monthly budget from someone's income and expenses. Use when asked to make a budget, plan monthly spending, allocate income, or get finances under control. Produces a categorized budget (a 50/30/20-style allocation tuned to their reality), a surplus/shortfall number, and concrete next moves. Educational, not regulated financial advice.
plugins/pm-money/skills/budget-builder/SKILL.md
Source commit f7c90bc09ee05dc25cf257bdb1826f2c2552c2cb
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- Observed behavior
- Network or broad shell
- Last checked
- Nov 9, 2026
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- Repository last updated
- Nov 10, 2026
- License
- MIT
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SKILL.mdcore · 3,271 bytes
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# Budget Builder Skill
Most budgets fail because they're aspirational fiction. This skill builds a **realistic** monthly budget from
someone's actual income and spending — categorized, with a clear surplus-or-shortfall number and a couple of
specific moves to fix the gap. It's an educational planning aid, not personalized financial advice.
## Required Inputs
Ask for these only if they aren't already provided:
- **Monthly take-home income** (after tax), and whether it's steady or variable.
- **Fixed costs** — rent/mortgage, utilities, insurance, loan/debt minimums, subscriptions.
- **Variable spending** — groceries, transport, eating out, fun, shopping (estimates are fine).
- **Goals & obligations** — emergency fund, debt payoff, saving for something, dependents.