Budget Optimizer

Solid starting point if you need to apply basic budgeting frameworks without building them from scratch. It implements the 50/30/20 rule, walks through subscription audits, and maps out debt payoff strategies and emergency fund planning. The output format is clean with timestamps and structured recommendations. Works best when you feed it actual spending data rather than asking abstract questions. The instructions are pretty generic though, so you'll want to be specific about your numbers and goals to get actionable advice. Think of it as a template that does the math and formatting while you provide the financial context.

skills.sh installs: 448
GitHub stars: 422
last updated: Aug 21, 2026

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Install

$ npx -y skills add onewave-ai/claude-skills --skill budget-optimizer --agent claude-code

Installs into .claude/skills of the current project.

Files

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}

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## Results

[Your formatted output here]

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## Recommendations

[Actionable next steps]