Works with the AI tools you already use
Personal Budget & Spending Sanity Gate
It does not write or optimize your budget and it gives no financial, investment, tax, or debt advice.
Free
See it in action
You say
Monthly budget. Take-home pay 4000. Rent 1500, utilities 200, groceries 250, transport 300. Savings goal 1000. Stated leftover 750.
Your agent does
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.
How to install
Drop the file into your AI Agent. Works with Claude, Cursor, ChatGPT, and 20+ more.
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