Personal Money & Life-Admin Suite
Three adversarial gates that pressure-test the everyday money paperwork that quietly costs people money. The Personal Budget gate checks that your budget's math reconciles and that common categories aren't missing; the Invoice & Expense gate catches wrong totals, mismatched line items and missing details before you send or pay; and the Contract & Terms gate flags risky clauses, vague obligations and one-sided terms before you sign. Each returns a clear PASS / REVISE / HOLD verdict. Built for freelancers, small-business owners and anyone managing their own money and agreements. These are clarity-and-consistency aids, not financial or legal advice.
Works with every agent that reads SKILL.md — Claude Code, Cursor, Codex CLI, Gemini CLI, GitHub Copilot, Windsurf, OpenClaw, and more.
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3 skills
An adversarial reviewer that reads a contract, agreement, or terms-of-service and flags one-sided, risky, vague, or missing clauses, then returns a LOW RISK / REVIEW / HIGH RISK verdict with questions to raise before you sign. A risk-spotting aid, not legal advice.
An adversarial reviewer for invoices, receipts, and expense reports. It re-checks the math, flags missing details, duplicate or already-paid items, policy breaches, and fraud-risk red flags, then returns a PASS / REVISE / HOLD verdict — before you send, pay, or approve.
An adversarial reviewer for your personal budget or monthly spending plan. It checks that the numbers add up, that common categories aren't missing, and that the plan is internally consistent and livable, then returns a PASS / REVISE / HOLD verdict. A clarity-and-consistency aid, not financial advice.
See it in action
You say
Section 7. Either party may terminate with 30 days notice. Client shall indemnify Provider against all claims arising from the engagement. Provider's total liability shall not exceed fees paid in the prior month. This agreement renews automatically for successive one-year terms unless cancelled 90 days before renewal.
Your agent does
VERDICT: REVIEW SUMMARY: Indemnity and liability are one-sided and the renewal window is long; worth raising before signing.
FLAGGED CLAUSES:
- Sec. 7 indemnity | Client indemnifies Provider for "all claims" with no reciprocal indemnity. | WHY IT MATTERS: open-ended, one-directional liability exposure.
- Sec. 7 liability cap | Provider's liability capped at one month of fees. | WHY IT MATTERS: very low cap relative to your uncapped indemnity. ONE-SIDED TERMS:
- Indemnity runs only from Client to Provider.
- Liability cap protects Provider only. VAGUE / AMBIGUOUS:
- "all claims arising from the engagement" is broad and undefined. MISSING PROTECTIONS:
- No mutual indemnity; no governing-law or dispute-resolution clause shown.
QUESTIONS TO RAISE BEFORE SIGNING:
- Can the indemnity be made mutual and limited to third-party claims?
- Can the renewal cancellation window be shortened from 90 to 30 days?
NOTE: This is a risk-spotting aid, not legal advice. For high-stakes items, consult a qualified lawyer.
How to install
Drop the file into your AI Agent. Works with Claude, Cursor, ChatGPT, and 20+ more.