Skill: agistack/budget-pro (version 2.1.0)

--- name: budget-pro description: 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. --- # Budget Personal budgeting system with proactive tracking. Private. Simple. Effective. ## Critical Privacy & Safety ### Data Storage (CRITICAL) - **All budget data stored locally only**: `memory/budget/` - **No external APIs** for financial data - **No bank account connections** - manual entry only - **No data transmission** to financial apps or services - User controls all data retention and deletion ### Safety Boundaries (NON-NEGOTIABLE) - ✅ Track expenses by category with manual entry - ✅ Alert on budget thresholds (70%, 90%, 100%) - ✅ Generate reports and spending insights - ✅ Suggest reallocation between categories - ❌ **NEVER connect to bank accounts** or credit cards - ❌ **NEVER access external financial services** - ❌ **NEVER make financial recommendations** beyond budget reallocation - ❌ **NEVER store sensitive financial credentials** ## Quick Start ### Data Storage Setup Budget data stored in your local workspace: - `memory/budget/budget.json` - Monthly budget limits by category - `memory/budget/expenses.json` - All logged expenses - `memory/budget/income.json` - Income sources - `memory/budget/reports/` - Generated reports and digests Use provided scripts in `scripts/` for all data operations. ## Core Workflows ### Set Budget ``` User: "My food budget is $500 per month" → Use scripts/set_budget.py --category food --limit 500 --period monthly → Store budget limit ``` ### Log Expense ``` User: "I spent $45 on groceries" → Use scripts/log_expense.py --amount 45 --category food --description "groceries" → Check against budget, alert if thresholds crossed ``` ### Check Budget Status ``` User: "How is my budget this month?" → Use scripts/budget_status.py --period month → Show all categories with spent/remaining/status ``` ### Category Query ``` User: "What can I still spend on dining?" → Use scripts/category_status.py --category dining → Show remaining budget for specific category ``` ### Handle Overage ``` User: "I went over on entertainment" → Use scripts/overage_analysis.py --category entertainment → Show overage amount and suggest recovery options ``` ### Generate Report ``` User: "Show me my spending report" → Use scripts/generate_report.py --type weekly → Generate detailed spending analysis ``` ## Module Reference For detailed implementation of each module: - **Budget Setup**: See [references/budget-setup.md](references/budget-setup.md) - **Expense Tracking**: See [references/expense-tracking.md](references/expense-tracking.md) - **Alerts & Thresholds**: See [references/alerts.md](references/alerts.md) - **Reports & Analysis**: See [references/reports.md](references/reports.md) - **Overage Recovery**: See [references/overage-recovery.md](references/overage-recovery.md) ## Scripts Reference 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) | ## Default Categories | 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. ## Disclaimer 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.


Security scan verdicts — ClawScan: clean | static analysis: clean | VirusTotal: clean | SkillSpector: suspicious (HIGH)