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Spending analysis and savings plan v1.0.0

Use this resource to analyze spending and find savings

New

  • 547 downloads
  • 192 likes
  • 174 saves

Free

Install with the CLI

In a terminal, from the folder you want:

npx --yes palatekit@latest install personal-budget-savings-plan

With no option, the skill goes to ~/.agents/skills/; add --agent claude-code (or codex, cursor…) to target an agent.

First time: connect the CLI with

npx --yes palatekit@latest login

The agent reviews your spending, spots unused subscriptions and proposes a budget based on the 50/30/20 rule, a debt payoff strategy and an emergency fund roadmap. You get a costed action plan.

Mostly picked by

Updated November 2, 2026

Card for the “Spending analysis and savings plan” skill

Details

Works in
Install guides
Generates with
Your agent's model
Licence
MIT

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What you get

  • SKILL.md: spending analysis method and output format
  • SKILL.md: 50/30/20 rule, subscription audit and savings roadmap

Good fit for

  • You want to cut spending without overhauling your life
  • You must choose between paying off debt and building savings

Not for

    Tags

    • budget
    • savings
    • spending

    About

    You say

    “Analyze my spending this month: 2,300 € net income, 900 € rent, three subscriptions and a 180 € loan.”

    Card for the “Spending analysis and savings plan” skill

    Skill published by onewave-ai under the MIT license, delivered in its original version.

    Show more

    How to use it

    1. Install the skill in your agent's skills folder
    2. Ask your agent to analyze spending and find savings
    3. Review and adjust the result

    Content preview

    Files

    • LICENSE1.1 KB
    • NOTICE-PALATEKIT.md0.5 KB
    • SKILL.md1.4 KB

    Origin and licence

    Listed unmodified

    Author
    onewave-ai
    Source
    github.com/onewave-ai/claude-skills/tree/b2267d9171af4f56848d82992381b20b89b44056/budget-optimizer
    Licence
    MIT

    Notice

    « budget-optimizer » (onewave-ai, MIT) livré dans sa version d'origine : fiche en français et en anglais par PalateKit.

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