AI Blocks › Handle money and investing
Personal budget builder
List your income and spending. Get a budget plan, such as zero-based or 50/30/20, and where money leaks.
Personal budget builder is a free AI skill for the job "Handle money and investing". Give the instructions to an AI assistant that supports the required files and tools, then review its output.
Free · No account · MIT licence · Made by GAJETOso · Level: beginner · Thinking: low
Made by GAJETOso. See the original on GitHub; we copied it as it is, with its licence.
What it does
A spending plan where every dollar has a job, and a clear view of where money leaks. You get either a simple 50/30/20 split or a zero-based plan where income minus spending equals zero. The skill starts with your take-home pay and whether it is steady or variable, then your fixed bills, variable essentials, wants and your main goal, such as an emergency fund or debt payoff. It sorts a month or two of statements into categories, finds recurring or irregular charges, and treats savings as a bill paid first, not a leftover. You get a plan to review and reset each month. It is a budgeting aid, not financial advice.
You give it
- Monthly take-home income
- One to three months of statements (optional)
- Fixed bills
- Your main financial goal
You get
- A budget by category
- A 50/30/20 or zero-based plan
- A list of spending leaks
- A savings target and monthly review steps
Use it when
- You earn variable income and need a budget that holds up.
- Money runs out before month end and you cannot see why.
- You want to save for a goal such as a house deposit.
- You are paying off debt and need room for extra payments.
How to use it
- Add it to your AI once: download it and add the folder to Claude, ChatGPT or Codex as a skill.
- Ask for the job in your own words. Your AI opens the skill when it fits.