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Build a realistic personal monthly budget from someone's income and expenses.
Passed 20 of 23 test cases with the skill, and 15 of 23 without it.
and 7 more in the full report
7 fixed13 passed either way1 still failing2 broke
Tokens, turns and time describe resource use, not a dollar price.
One of 7 test cases the skill fixed. Same model, same prompt, with and without the skill.
I bring home $4,200 after tax every month from my steady job. My monthly spending includes $1,400 for rent, $200 for utilities/bills, $350 for car payment, $120 for car insurance, $150 for credit card minimums, $60 on subscriptions, $400 on groceries, $150 on gas, $500 on dining out, and $250 on shopping. My goal is to save for a $5,000 emergency fund. Please map this out into a structured monthly budget table categorized by Needs/Wants/Savings with income percentages, calculate my Needs/Wants/Savings ratio against standard baseline benchmarks, state my net surplus or shortfall, and outline 3 specific quantified moves I can make.
| Checked | Without skill | With skill |
|---|---|---|
| The budget table total row accounts for 100% of income by fully assigning the $620 surplus into savings goals. | Missed | Passed |
| The output includes a statement that this plan is an educational tool rather than personalized financial advice. | Missed | Passed |
| The top recommended moves specify target budget caps with dollar amounts referencing the user's spending categories. | Passed | Passed |
The instructions your model reads when the skill loads.
Most budgets fail because they're aspirational fiction. This skill builds a realistic monthly budget from someone's actual income and spending — categorized, with a clear surplus-or-shortfall number and a couple of specific moves to fix the gap. It's an educational planning aid, not personalized financial advice.
Ask for these only if they aren't already provided:
If numbers are rough, work with ranges and say so.
Income (take-home): $X
| Category | Type | Amount | % of income |
|---|---|---|---|
| Housing | Need | $ | % |
| Utilities & bills | Need | $ | % |
| Groceries | Need | $ | % |
| Transport | Need | $ | % |
| Debt minimums | Need | $ | % |
| Dining / fun | Want | $ | % |
| Subscriptions | Want | $ | % |
| Savings / goals | Save | $ | % |
| Total | $ | 100% |
Needs / Wants / Savings split: X% / Y% / Z% — with a one-line read vs. a 50/30/20 guideline (a reference point, not a rule).
Bottom line: surplus of $X (allocate it) or shortfall of $X (must cut/earn).
Top 3 moves — the specific, highest-impact changes (e.g. "renegotiate the $X subscription stack", "cap dining at $Y", "auto-transfer $Z on payday").
test cases passed, vs 15 / 23 without
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