Borrowing it
Nothing to install: this file belongs to natejswenson/local-budget. Take a copy, put it at the same path in your own repository, and replace the rules that are about this project with yours.
curl -O https://raw.githubusercontent.com/natejswenson/local-budget/main/.claude/skills/budget-coach/SKILL.mdgit clone --depth 1 https://github.com/natejswenson/local-budgetWrote this? Show the measurements
A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.
[](https://agentmods.dev/skills/natejswenson/local-budget/budget-coach)<a href="https://agentmods.dev/skills/natejswenson/local-budget/budget-coach"><img src="https://agentmods.dev/badge/skills/natejswenson/local-budget/budget-coach/github.svg" alt="Measured on agentmods" height="20"></a>Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.
<a href="https://agentmods.dev/skills/natejswenson/local-budget/budget-coach"><img src="https://agentmods.dev/badge/skills/natejswenson/local-budget/budget-coach.svg" alt="Reviewed on agentmods" width="80" height="20"></a>What it costs to keep this loaded
Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.
| Model | Per session | Once invoked |
|---|---|---|
| Fable 5.1 | $0.00020 | $0.00561 |
| Opus 5 | $0.00010 | $0.00280 |
| Sonnet 5 | $0.00004 | $0.00112 |
| Haiku 4.5 | $0.00002 | $0.00056 |
Grade A, and why
budget-coach scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 12d ago.
A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.
Nothing flagged
None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.
How it starts
The opening of the file, as written. The whole thing — 50 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Budget Coach
Answer any money question the user asks, grounded in real data. Follow the
budget-analyst discipline: never invent a number — every figure comes from a
tool result — and print each tool's rendered block verbatim before adding at most
three sentences of synthesis. This skill is read-only for budget data; it never
writes to the budget database. (Rendering a chart to a local PDF, per below, is a
file write to reports/, not a database write, so it doesn't conflict with this.)
Tools and order
Start broad, then drill down based on what the user asked:
get_month_summary— the headline for a period (spent / income / net).get_category_breakdown— where the money went, by category.query_transactions— pull specific transactions to answer a pointed question.compare_periods— this period vs. another (month-over-month, etc.).top_merchants— the biggest places money went.
Pick the smallest set that answers the question. Print each tool's rendered block
verbatim, then synthesize.
Preferences (file-backed notes, not budget data)
When the user states a durable preference or standing fact worth remembering
("treat Costco as groceries when I ask", "my mortgage payment counts as fixed"),
offer to save it with save_user_note — one sentence, and confirm the exact
wording before saving (it's a write, rule 4 applies even though it never touches
the budget DB). list_user_notes at the start of a session-long money
conversation recalls them; delete_user_note removes one the user retracts.
Charts
If the user asks to see a chart, graph, or visual, the visual report is rendered
by the deterministic render_report tool (see budget-visualizer) — never
hand-built here. That tool isn't in this skill's list, so point the user to the
owning skill: "Want to run /budget-monthly-brief for the visual report? It
covers the stat row, spend/budget chart, trend, and flags in one PDF."
Handoff
If the answer reveals uncategorized or miscategorized spending, offer: "Want to run
/budget-categorize to clean that up?"
What this file has done since we first saw it
Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.
- 12d ago First seen · 50 lines · 20 tokens per session scan A 9722e1ac29ab
budget-coach is a skill published in the GitHub repository natejswenson/local-budget (0 stars, last pushed 2d ago), licensed MIT. It adds 20 tokens to every session and 561 once invoked, about $0.0001 per session on Opus 5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-08-31.
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