Budget Tracker

What it does

Track income and expenses, categorise spending, calculate variances against a budget, and surface overspend alerts.

Procedure

When this skill is activated, Chalie follows these steps:

1. Use recall to surface any prior budget structure, then ask whether they are starting a new budget or updating an existing one — collect income, fixed costs, and variable budget targets per category.
2. Use recall to surface any previously stored budget structure, categories, or running totals.
3. Ask the user to paste or describe their transactions for the period to be analysed — use read for a file path or web_fetch for a URL.
4. Use code_agent to parse the transactions, categorise them (groceries, dining, transport, utilities, entertainment, etc.), and total each category.
5. Use code_agent to compare actual spending per category against the budget targets — calculate variance (amount and percentage) and flag categories more than 10% over budget.
6. Use write_file to produce a budget summary: income, total spend, net balance, and a table of actuals vs. budget per category with variance column — highlight overspent categories.
7. Use code_agent to rank categories by overspend magnitude, then identify the top 1–3 drivers and suggest one specific, actionable change for each.
8. Use write_file to save the updated budget report, state the new running totals in the reply so they are remembered, and use schedule to set a reminder for the next budget review.

Version

v1 (curated)