Personal Budget & Spending Sanity Gate — Catch Math Errors, Missing Categories & Unrealistic Plans Before You Commit
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.
- checking a new monthly budget for math errors and missing categories before committing
- sanity-testing a budget template you copied to confirm it fits your real situation
- re-checking a budget after income or fixed costs change to confirm it still reconciles
$12
· or 60 creditsSecure checkout via Stripe
Included in download
- checking a new monthly budget for math errors and missing categories before committing
- sanity-testing a budget template you copied to confirm it fits your real situation
- file_read automation included
- Ready for no write access
Sample input
Monthly budget. Take-home pay 4000. Rent 1500, utilities 200, groceries 250, transport 300. Savings goal 1000. Stated leftover 750.
Sample output
VERDICT: REVISE SUMMARY: The plan is close but the leftover does not reconcile and two common categories are missing. ARITHMETIC: Spending plus savings is 3,250, leaving 750, but no line covers insurance or annual costs, so the real leftover is likely lower. COMPLETENESS: No category for insurance, phone or internet, or an emergency buffer. REALISM: Groceries of 250 may be low depending on household size; confirm it reflects everyone fed from this budget. CONSISTENCY: The 1,000 savings goal is fully funded by the stated leftover, which holds only if the missing categories are truly zero. LIVABILITY: With no buffer, a single unexpected bill would push the month negative. TOP FIXES: Add insurance and a small emergency buffer, then re-add the totals before locking the plan.
Personal Budget & Spending Sanity Gate — Catch Math Errors, Missing Categories & Unrealistic Plans Before You Commit
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.
$12
· or 60 creditsSecure checkout via Stripe
Included in download
- checking a new monthly budget for math errors and missing categories before committing
- sanity-testing a budget template you copied to confirm it fits your real situation
- file_read automation included
- Ready for no write access
- Instant install
Sample input
Monthly budget. Take-home pay 4000. Rent 1500, utilities 200, groceries 250, transport 300. Savings goal 1000. Stated leftover 750.
Sample output
VERDICT: REVISE SUMMARY: The plan is close but the leftover does not reconcile and two common categories are missing. ARITHMETIC: Spending plus savings is 3,250, leaving 750, but no line covers insurance or annual costs, so the real leftover is likely lower. COMPLETENESS: No category for insurance, phone or internet, or an emergency buffer. REALISM: Groceries of 250 may be low depending on household size; confirm it reflects everyone fed from this budget. CONSISTENCY: The 1,000 savings goal is fully funded by the stated leftover, which holds only if the missing categories are truly zero. LIVABILITY: With no buffer, a single unexpected bill would push the month negative. TOP FIXES: Add insurance and a small emergency buffer, then re-add the totals before locking the plan.
About This Skill
The Personal Budget & Spending Sanity Gate is an adversarial reviewer for a personal budget or monthly spending plan you provide as a file or pasted text. It does not write or optimize your budget and it gives no financial, investment, tax, or debt advice. It runs five narrow passes — arithmetic, completeness, realism, consistency, and livability — and returns a PASS / REVISE / HOLD verdict with the specific lines that do not reconcile, the categories that look missing, and the figures worth confirming. It is built for anyone drafting or updating a budget who wants a second set of eyes before they commit: catching the total that was never re-added, the category quietly left out, or the savings goal with no money behind it. It reads only the plan you give it, knows nothing of your real accounts, and hands every decision back to you.
Use Cases
- checking a new monthly budget for math errors and missing categories before committing
- sanity-testing a budget template you copied to confirm it fits your real situation
- re-checking a budget after income or fixed costs change to confirm it still reconciles
Known Limitations
This is a clarity-and-consistency aid, not financial advice and not a financial planner. It does not recommend products, accounts, investments, or debt strategies, and it does not judge whether your goals are wise. It only reads the plan you provide — it has no access to your real accounts, balances, or transactions, so it cannot verify that the figures you entered are true. It does not forecast, optimize spending, or account for taxes. Realism flags are prompts to confirm, not facts, since typical costs vary widely by location and household.
How to Install
mkdir -p ~/.claude/skills && curl -sL https://www.agensi.io/api/install/personal-budget-spending-sanity-gate-catch-math-errors-missing-categories-unrealistic-plans-before-you-commit -o /tmp/personal-budget-spending-sanity-gate-catch-math-errors-missing-categories-unrealistic-plans-before-you-commit.zip && unzip -o /tmp/personal-budget-spending-sanity-gate-catch-math-errors-missing-categories-unrealistic-plans-before-you-commit.zip -d ~/.claude/skills && rm /tmp/personal-budget-spending-sanity-gate-catch-math-errors-missing-categories-unrealistic-plans-before-you-commit.zipFree skills install directly. Paid skills require purchase - use the download button above after buying.
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Permissions
File Scopes
Read access only, limited to the budget file or plan you point it at. The skill performs pure reasoning over that text and needs no network access, no write access, and runs nothing. It never reads your real accounts or transactions.
Model-agnostic and works with any assistant that can read a budget file or pasted plan. It performs pure reasoning over the text you provide: no network access, no write access, and nothing is executed. It needs read access only to the budget you point it at. There is no setup, no dependencies, and no data leaves the file you supply. It is a clarity-and-consistency aid, not financial advice and not a financial planner.