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Get Started Free →Turn a savings goal into a month-by-month funding plan. Use when asked to save for something (emergency fund, house deposit, trip, big purchase), or to figure out how much to set aside each month. Produces the required monthly contribution, a timeline, milestones, and trade-offs if the target date is too aggressive. Educational, not regulated financial advice.
.claude/skills/mohitagw15856-savings-goal-plan/SKILL.md| Test case | Without → With | Effect | Δ tokens | Δ turns |
|---|---|---|---|---|
| case-12 | ✗→✓ | ▲ Improved | 171% | 0% |
| case-14 | ✗→✓ | ▲ Improved | 78% | 0% |
| case-15 | ✗→✓ | ▲ Improved | 12% | 0% |
| case-03 | ✓→✗ | ▼ Worse | -6% | 0% |
| case-20 | ✓→✓ | ＝ Same ✓ | 54% | 0% |
"I want to save for X" becomes real when it has a number per month and a date. This skill turns a savings goal into a concrete funding plan — the monthly amount needed, the timeline, milestones to stay motivated, and an honest reckoning if the goal and the deadline don't fit. Educational, not personalized financial advice.
Ask for these only if they aren't already provided:
Target: $X by date] · Already saved: $Y · To go: $Z
Required monthly contribution: $M/month for N months (with a one-line note if modest interest changes it).
Timeline & milestones
| Milestone | Amount | Approx. date | |---|---|---| | 25% there | $ | | | 50% there | $ | | | 100% — goal! | $ | |
Reality check — does $M/month fit their budget? If the target date forces an unrealistic monthly amount, show the trade-off explicitly:
Keep-it-on-track tips — automate the transfer on payday; keep this goal in a separate/labeled account; what to do with windfalls.
Goal-based saving (sinking funds): target ÷ timeline, milestone tracking, and automated contributions.
| Case | Status | Duration (ms) | Turns | Tokens | Tool calls | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Without | With | Δ | Without | With | Δ | Without | With | Δ | Without | With | Δ | ||
case-20 | pass→pass | 12,248 | 17,208 | +40% | 1 | 1 | 0% | 1,798 | 2,768 | +54% | 0 | 0 | — |
case-01 | pass→pass | 22,432 | 15,872 | -29% | 1 | 1 | 0% | 2,711 | 2,619 | -3% | 0 | 0 | — |
case-02 | pass→pass | 19,388 | 18,661 | -4% | 1 | 1 | 0% | 2,890 | 2,620 | -9% | 0 | 0 | — |
case-03 | pass→fail | 19,651 | 19,158 | -3% | 1 | 1 | 0% | 2,910 | 2,739 | -6% | 0 | 0 | — |
case-04 | fail→fail | 10,694 | 17,349 | +62% | 1 | 1 | 0% | 767 | 2,486 | +224% | 0 | 0 | — |
case-05 | pass→pass | 13,312 | 21,769 | +64% | 1 | 1 | 0% | 1,953 | 3,698 | +89% | 0 | 0 | — |
case-06 | pass→pass | 17,532 | 17,748 | +1% | 1 | 1 | 0% | 2,189 | 2,478 | +13% | 0 | 0 | — |
case-07 | pass→pass | 23,334 | 11,897 | -49% | 1 | 1 | 0% | 2,691 | 2,713 | +1% | 0 | 0 | — |
case-08 | pass→pass | 12,818 | 12,718 | -1% | 1 | 1 | 0% | 1,428 | 3,011 | +111% | 0 | 0 | — |
case-09 | pass→pass | 3,795 | 12,914 | +240% | 1 | 1 | 0% | 696 | 2,027 | +191% | 0 | 0 | — |
case-10 | pass→pass | 12,917 | 12,530 | -3% | 1 | 1 | 0% | 1,519 | 2,075 | +37% | 0 | 0 | — |
case-11 | pass→pass | 14,023 | 16,230 | +16% | 1 | 1 | 0% | 2,063 | 2,220 | +8% | 0 | 0 | — |
case-12 | fail→pass | 10,556 | 15,681 | +49% | 1 | 1 | 0% | 938 | 2,542 | +171% | 0 | 0 | — |
case-13 | pass→pass | 12,802 | 14,198 | +11% | 1 | 1 | 0% | 1,233 | 2,184 | +77% | 0 | 0 | — |
case-14 | fail→pass | 21,171 | 23,986 | +13% | 1 | 1 | 0% | 2,133 | 3,798 | +78% | 0 | 0 | — |
case-15 | fail→pass | 16,929 | 16,806 | -1% | 1 | 1 | 0% | 1,999 | 2,237 | +12% | 0 | 0 | — |
case-16 | pass→pass | 18,116 | 24,646 | +36% | 1 | 1 | 0% | 2,365 | 4,156 | +76% | 0 | 0 | — |
case-17 | pass→pass | 21,704 | 17,135 | -21% | 1 | 1 | 0% | 2,272 | 2,913 | +28% | 0 | 0 | — |
case-18 | pass→pass | 22,123 | 18,055 | -18% | 1 | 1 | 0% | 2,466 | 2,385 | -3% | 0 | 0 | — |
case-19 | pass→pass | 13,132 | 18,359 | +40% | 1 | 1 | 0% | 1,910 | 2,961 | +55% | 0 | 0 | — |
case-21 | pass→pass | 16,117 | 11,963 | -26% | 1 | 1 | 0% | 1,977 | 1,956 | -1% | 0 | 0 | — |
case-22 | pass→pass | 2,998 | 15,582 | +420% | 1 | 1 | 0% | 555 | 2,708 | +388% | 0 | 0 | — |
case-23 | pass→pass | 13,031 | 15,758 | +21% | 1 | 1 | 0% | 1,466 | 2,476 | +69% | 0 | 0 | — |
DecimalAI ran this skill against gemini-3.6-flash twice over the same eval suite — once with the skill loaded and once without — and compared the two runs case by case. 23 cases were attempted. The headline lift of +9 percentage points is the difference between those two pass rates over the 23 comparable cases. 1 case got worse with the skill loaded, and it is included in that figure.
Without the skill loaded, the model failed this case. With it loaded, the same prompt on the same model passed. This is one improved case from the latest verified run; every case, including any that regressed, is in the table above.
Other measured skills in the registry, with their headline benchmark lift.