Free Claude Code Skill
Your monthly
money check-in.
Type your income and expenses. Get a health score, spending breakdown vs benchmarks, what's leaking, and your top 3 priorities. Works from any spreadsheet or raw numbers.
✓ Health score 0–100
⚠ Spending benchmarks
🔴 Top money leaks + fixes
What it does
Run
/finance-tracker in any Claude Code session. Paste your numbers or point Claude at a spreadsheet — it reads the data, scores each spending category against real benchmarks, and delivers an honest breakdown. No setup beyond copying the skill file. Your data never leaves your machine.SAMPLE OUTPUT
FINANCE TRACKER — April 2026
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
HEALTH SCORE: 71/100 | Grade: B
Savings Rate: 14% | Monthly Surplus: $1,190
SPENDING BREAKDOWN
Housing $2,100 [██████████] 24% income ✓ On Track
Groceries $580 [█████ ] 7% income ✓ On Track
Transportation $720 [████████ ] 8% income ✓ On Track
Subscriptions $310 [████ ] 4% income ⚠ High
Dining/Entertain $640 [████████ ] 8% income 🔴 Critical
MONEY LEAKS
🔴 Dining/Entertainment: 8% of income vs 5% benchmark
Fix this week: Set a $400 dining cap. Move $240 to savings auto-transfer.
⚠ Subscriptions: Audit active vs used — $310 is high for one person.
Fix this week: Cancel anything unused in 30+ days.
TOP 3 PRIORITIES
1. Cap dining to $400/mo → saves $240/mo, adds 3% to savings rate
2. Run subscription audit → potential $80–120/mo recovered
3. Increase savings transfer to $1,400 to hit 16% rate
SUMMARY
Solid foundation — housing and groceries are well controlled. Dining and
subscriptions are the two leaks worth closing this month. Fixing both
gets you to an 18% savings rate without changing anything structural.
Setup — 2 steps
Step 1
Copy the skill file
Save this file to
~/.claude/commands/finance-tracker.md — create the folder if it doesn't exist. That's the only file needed.
MARKDOWN · ~/.claude/commands/finance-tracker.md
# Finance Tracker — Monthly Finance Check-In Run a monthly finance check-in. Analyze income, expenses, savings rate, and spending vs benchmarks. Return a health score, spending breakdown, money leaks, and top 3 action priorities. ## How to use Run /finance-tracker and I will prompt you for numbers, OR paste a table or CSV directly after the command. ## What to analyze 1. Calculate savings rate and compare to 20% benchmark 2. Score each spending category against standard benchmarks 3. Give a 0–100 health score across 5 dimensions: savings rate, debt load, housing ratio, surplus cushion, discretionary discipline 4. Identify top money leaks with specific week-1 fixes 5. Set top 3 priorities ranked by monthly dollar impact ## Output format FINANCE TRACKER — [Month Year] ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ HEALTH SCORE: XX/100 | Grade: X Savings Rate: X% | Monthly Surplus: $X,XXX SPENDING BREAKDOWN [Category] $X,XXX [bar] XX% income [status] ... WHAT YOU'RE DOING WELL ✓ [specific strength] MONEY LEAKS 🔴 [Category]: [issue] Fix this week: [concrete action] ⚠ [Category]: [issue] Fix this week: [concrete action] TOP 3 PRIORITIES 1. [Action] — saves $XXX/mo | Timeline: this month 2. [Action] — Impact: X% savings rate | Timeline: 3 months 3. [Action] — Impact: [outcome] | Timeline: 6 months SUMMARY [2-3 sentence honest assessment. Direct, no filler.] ## Spending benchmarks | Category | On Track | High | Critical | |---|---|---|---| | Housing/Rent | ≤28% | 28–35% | >35% | | Groceries | ≤10% | 10–15% | >15% | | Transportation | ≤15% | 15–20% | >20% | | Utilities | ≤5% | 5–8% | >8% | | Subscriptions | ≤3% | 3–5% | >5% | | Dining/Entertainment | ≤5% | 5–10% | >10% | | Healthcare | ≤5% | 5–10% | >10% | | Debt Payments | ≤15% | 15–25% | >25% | | Savings | ≥20% strong | 10–20% ok | <10% critical | ## Personalization If user provides household type (single, couple, family) or goals (pay off debt, save for house, build emergency fund), adjust the analysis and priorities to match their situation. Variable income: flag months off from average and note the variance. ## Getting started Ask for: monthly gross income, and amounts for each spending category. Or: read from a pasted CSV or table the user provides.
Step 2
Run it
Open any Claude Code session and type
/finance-tracker. Claude will prompt you for your numbers or you can paste them directly.
EXAMPLE — paste your numbers directly
/finance-tracker Income: $8,500/month Household: Couple, no kids Goal: Build 6-month emergency fund Housing: $2,100 Groceries: $580 Transportation: $720 Utilities: $165 Subscriptions: $310 Dining/Entertainment: $640 Healthcare: $200 Debt payments: $350 Savings: $600
You can also point Claude at a file: "here's my spending export" and paste a CSV, or say "read my Finance_Tracker.xlsx" if it's in your working directory.
Spending benchmarks
| Category | On Track | High | Critical |
|---|---|---|---|
| Housing / Rent | ≤28% | 28–35% | >35% |
| Groceries | ≤10% | 10–15% | >15% |
| Transportation | ≤15% | 15–20% | >20% |
| Utilities | ≤5% | 5–8% | >8% |
| Subscriptions | ≤3% | 3–5% | >5% |
| Dining / Entertainment | ≤5% | 5–10% | >10% |
| Healthcare | ≤5% | 5–10% | >10% |
| Debt Payments | ≤15% | 15–25% | >25% |
| Savings | ≥20% | 10–20% | <10% |
Benchmarks are % of gross monthly income. Claude adjusts context for household size and goals when you provide them.
Built by
Clay Parker
GTM & Revenue Marketing Leader · Ex-Zapier, Pendo, Cisco · Raleigh, NC