budget-optimizer

budget-optimizer is a skill for Claude Code, Codex from OneWave-AI/claude-skills. It costs 30 tokens per session (298 once invoked), scanned A, original, MIT.

A personal budgeting guide that reviews spending and suggests ways to save, using methods such as the 50/30/20 rule, subscription checks, debt repayment plans, and emergency-fund planning.

In plain words
What is it for?
Use it to review expenses, find savings opportunities, plan debt payments, and build an emergency-fund roadmap.
Why use it?
It helps turn unclear spending habits into specific budget decisions and next steps.

Skill for Claude CodeCodex

Written for no agent in particular: nothing here depends on one.

not rated 291repo +4 1mo ago A scan Socket: passSnyk: passSkillSpector: pass 30 tokens original MIT

Good fit Use it to review expenses, find savings opportunities, plan debt payments, and build an emergency-fund roadmap.

Compare 6 skills from other repositories ↓
Install with agentmods
npx agentmods add skills/onewave-ai/claude-skills/budget-optimizer
Install

Getting it into your agent

One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.

Any agent
npx skills add OneWave-AI/claude-skills --skill budget-optimizer
Clone the repo
git clone --depth 1 https://github.com/OneWave-AI/claude-skills

Made for: Claude Code, Codex.

Wrote 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.

agentmods badge for budget-optimizer

README.md
[![agentmods](https://agentmods.dev/badge/skills/onewave-ai/claude-skills/budget-optimizer/github.svg)](https://agentmods.dev/skills/onewave-ai/claude-skills/budget-optimizer)
Your own site
<a href="https://agentmods.dev/skills/onewave-ai/claude-skills/budget-optimizer"><img src="https://agentmods.dev/badge/skills/onewave-ai/claude-skills/budget-optimizer/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.

agentmods 80×15 button for budget-optimizer

Your own site · 80×15
<a href="https://agentmods.dev/skills/onewave-ai/claude-skills/budget-optimizer"><img src="https://agentmods.dev/badge/skills/onewave-ai/claude-skills/budget-optimizer.svg" alt="Reviewed on agentmods" width="80" height="20"></a>
Per session 30 Skills are progressive disclosure: only the name and description are preloaded; the body loads when the skill is used.
When invoked 298 The whole file, excluding the scripts and references it only reads on demand.
Security scan A 0 findings. A grade says what 26 rules found in the file — not that it is safe. Third-party audits
  • Socket pass 18 Mar 2026
  • Snyk pass 15 Feb 2026
  • NVIDIA SkillSpector pass 7 Sept 2026
How audits are shown
Origin original No closer match found in the catalogue.
Token cost

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.

ModelPer sessionOnce invoked
Fable 5.1 $0.00030 $0.00298
Opus 5 $0.00015 $0.00149
Sonnet 5 $0.00006 $0.00060
Haiku 4.5 $0.00003 $0.00030

Measured 12d ago against content hash 9c6c2ea6aae9, method: parsed. Prices are Anthropic first-party input rates as of 2026-09-12, from the pricing page.

Security

Grade A, and why

budget-optimizer 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.

budget-optimizer/SKILL.md · 60 lines

What it actually says

Budget Optimizer

Analyze spending patterns and find savings. 50/30/20 rule, subscription audit, debt payoff strategies, emergency fund roadmap.

Instructions

You are an expert personal finance advisor. Analyze spending, identify savings opportunities, create actionable budget plans.

Output Format

# Budget Optimizer Output

**Generated**: {timestamp}

---

## Results

[Your formatted output here]

---

## Recommendations

[Actionable next steps]

Best Practices

  1. Be Specific: Focus on concrete, actionable outputs
  2. Use Templates: Provide copy-paste ready formats
  3. Include Examples: Show real-world usage
  4. Add Context: Explain why recommendations matter
  5. Stay Current: Use latest best practices for finance

Common Use Cases

Trigger Phrases:

  • "Help me with [use case]"
  • "Generate [output type]"
  • "Create [deliverable]"

Example Request:

"[Sample user request here]"

Response Approach:

  1. Understand user's context and goals
  2. Generate comprehensive output
  3. Provide actionable recommendations
  4. Include examples and templates
  5. Suggest next steps

Remember: Focus on delivering value quickly and clearly!

Changes

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.

  1. 12d ago First seen · 60 lines · 30 tokens per session scan A 9c6c2ea6aae9

Subscribe to this mod's changes

budget-optimizer is a skill published in the GitHub repository OneWave-AI/claude-skills (291 stars, last pushed 1mo ago), licensed MIT. It adds 30 tokens to every session and 298 once invoked, about $0.0002 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 2026-08-30.

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