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Spending pattern identification and expense optimization through subscription auditing, fixed vs variable cost analysis, cost-per-use calculations, lifestyle inflation detection, comparison to…
Install Expense Analyzer
$ npx skills add FerroxLabs/wayland --skill expense-analyzer -a claude-codeProject install by default; add -g for ~/.claude/skills/.
$ gh skill install FerroxLabs/wayland expense-analyzer --agent claude-codeProject scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).
$ git clone --depth 1 https://github.com/FerroxLabs/wayland.git skills-src && mkdir -p .claude/skills && cp -r skills-src/src/process/resources/skills-library/bodies/skills/personal-finance/expense-analyzer .claude/skills/expense-analyzer && rm -rf skills-srcUse ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.
Claude Code skills documentation · loads skills from .claude/skills/
Install the "expense-analyzer" agent skill from https://github.com/FerroxLabs/wayland/tree/main/src/process/resources/skills-library/bodies/skills/personal-finance/expense-analyzer into .claude/skills/expense-analyzer/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "expense-analyzer", then confirm the skill loads.Claude Code copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$skill-installer install https://github.com/FerroxLabs/wayland/tree/main/src/process/resources/skills-library/bodies/skills/personal-finance/expense-analyzerType this inside Codex. $skill-installer <name> installs a curated skill from openai/skills. The installer writes to $CODEX_HOME/skills (default ~/.codex/skills). Restart Codex if the skill does not show up.
$ npx skills add FerroxLabs/wayland --skill expense-analyzer -a codexProject install goes to .agents/skills/; add -g for ~/.codex/skills/.
$ gh skill install FerroxLabs/wayland expense-analyzer --agent codexProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/FerroxLabs/wayland.git skills-src && mkdir -p .agents/skills && cp -r skills-src/src/process/resources/skills-library/bodies/skills/personal-finance/expense-analyzer .agents/skills/expense-analyzer && rm -rf skills-srcUse ~/.agents/skills/ instead of .agents/skills for a personal install.
Codex skills documentation · loads skills from .agents/skills/
Install the "expense-analyzer" agent skill from https://github.com/FerroxLabs/wayland/tree/main/src/process/resources/skills-library/bodies/skills/personal-finance/expense-analyzer into .agents/skills/expense-analyzer/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "expense-analyzer", then confirm the skill loads.Codex copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add FerroxLabs/wayland --skill expense-analyzer -a cursorProject install goes to .agents/skills/; add -g for ~/.cursor/skills/.
$ gh skill install FerroxLabs/wayland expense-analyzer --agent cursorProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/FerroxLabs/wayland.git skills-src && mkdir -p .cursor/skills && cp -r skills-src/src/process/resources/skills-library/bodies/skills/personal-finance/expense-analyzer .cursor/skills/expense-analyzer && rm -rf skills-srcUse ~/.cursor/skills/ instead of .cursor/skills for a personal install.
Cursor skills documentation · loads skills from .cursor/skills/, .agents/skills/, .claude/skills/, .codex/skills/
Install the "expense-analyzer" agent skill from https://github.com/FerroxLabs/wayland/tree/main/src/process/resources/skills-library/bodies/skills/personal-finance/expense-analyzer into .cursor/skills/expense-analyzer/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "expense-analyzer", then confirm the skill loads.Cursor copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gemini skills install https://github.com/FerroxLabs/wayland.git --path src/process/resources/skills-library/bodies/skills/personal-finance/expense-analyzer--scope user (default) or --scope workspace; --path is the subfolder of the repo that holds the skill; --consent skips the security confirmation prompt.
$ npx skills add FerroxLabs/wayland --skill expense-analyzer -a gemini-cliProject install goes to .agents/skills/; add -g for ~/.gemini/skills/.
$ gh skill install FerroxLabs/wayland expense-analyzer --agent gemini-cliProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/FerroxLabs/wayland.git skills-src && mkdir -p .gemini/skills && cp -r skills-src/src/process/resources/skills-library/bodies/skills/personal-finance/expense-analyzer .gemini/skills/expense-analyzer && rm -rf skills-srcUse ~/.gemini/skills/ instead of .gemini/skills for a personal install, then run /skills reload.
Gemini CLI skills documentation · loads skills from .gemini/skills/, .agents/skills/
Install the "expense-analyzer" agent skill from https://github.com/FerroxLabs/wayland/tree/main/src/process/resources/skills-library/bodies/skills/personal-finance/expense-analyzer into .gemini/skills/expense-analyzer/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "expense-analyzer", then confirm the skill loads.Gemini CLI copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gh skill install FerroxLabs/wayland expense-analyzerInstalls for Copilot at project scope by default; add --scope user for a personal install. Preview a skill first with gh skill preview. Needs GitHub CLI 2.90.0 or later (public preview).
$ npx skills add FerroxLabs/wayland --skill expense-analyzer -a github-copilotProject install goes to .agents/skills/; add -g for ~/.copilot/skills/.
$ git clone --depth 1 https://github.com/FerroxLabs/wayland.git skills-src && mkdir -p .github/skills && cp -r skills-src/src/process/resources/skills-library/bodies/skills/personal-finance/expense-analyzer .github/skills/expense-analyzer && rm -rf skills-srcUse ~/.copilot/skills/ instead of .github/skills for a personal install. Commit .github/skills so cloud agent and code review can use it.
GitHub Copilot skills documentation · loads skills from .github/skills/, .claude/skills/, .agents/skills/
Install the "expense-analyzer" agent skill from https://github.com/FerroxLabs/wayland/tree/main/src/process/resources/skills-library/bodies/skills/personal-finance/expense-analyzer into .github/skills/expense-analyzer/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "expense-analyzer", then confirm the skill loads.GitHub Copilot copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add FerroxLabs/wayland --skill expense-analyzer -a opencodeOpenCode documents no install command of its own. Project install goes to .agents/skills/; add -g for ~/.config/opencode/skills/.
$ gh skill install FerroxLabs/wayland expense-analyzer --agent opencodeProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/FerroxLabs/wayland.git skills-src && mkdir -p .opencode/skills && cp -r skills-src/src/process/resources/skills-library/bodies/skills/personal-finance/expense-analyzer .opencode/skills/expense-analyzer && rm -rf skills-srcUse ~/.config/opencode/skills/ instead of .opencode/skills for a personal install.
OpenCode skills documentation · loads skills from .opencode/skills/, .claude/skills/, .agents/skills/
Install the "expense-analyzer" agent skill from https://github.com/FerroxLabs/wayland/tree/main/src/process/resources/skills-library/bodies/skills/personal-finance/expense-analyzer into .opencode/skills/expense-analyzer/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "expense-analyzer", then confirm the skill loads.OpenCode copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
Facts
- Skill name
expense-analyzer- GitHub stars
- 608
- Token cost
- ~4.6k tokens
- SKILL.md length
- 883 words
- Files
- 1
- Skills in repo
- 1,194
- Repo updated
- First seen
- Licence
- Apache-2.0
At a glance
Spending pattern identification and expense optimization through subscription auditing, fixed vs variable cost analysis, cost-per-use calculations, lifestyle inflation detection, comparison to…
- Works in 7 steps: Comprehensive Expense Categorization → Subscription Audit → Fixed vs. Variable Cost Analysis → …
- The user asks about expense analyzer
- SKILL.md covers When to Use, Process, Purpose and Questions to Ask the User First, plus 12 more sections
- Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md
What it does
Expense Analyzer is an agent skill from FerroxLabs/wayland. Spending pattern identification and expense optimization through subscription auditing, fixed vs variable cost analysis, cost-per-use calculations, lifestyle inflation detection, comparison to median spending by category, and savings opportunity discovery. Use when the user asks about expense analyzer, or needs help with spending pattern identification and expense optimization through subscription auditing, fixed vs variable cost analysis, cost-per-use calculations, lifestyle inflation detection, comparison to…
Its SKILL.md is about 4.6k tokens, which your agent loads only when the skill is triggered. It is a single SKILL.md file with no bundled scripts.
It sits in Business, Finance & HR, covering Budgeting and forecasting. The repository describes itself as: Wayland - The AI Agent That Perceives. Reasons. Acts. Evolves. The licence is Apache-2.0.
When your agent uses it
- The user asks about expense analyzer
- Needs help with spending pattern identification and expense optimization through subscription auditing
- Fixed vs variable cost analysis
- Cost-per-use calculations
Example prompts
- “/expense-analyzer”
Workflow steps
7 steps, taken from the step headings in SKILL.md.
What it can do on your machine
Read from SKILL.md and the folder at commit 4c030c7. It shows what the files ask for, not the result of running them.
Tool permissions
Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.
From allowed-tools in the SKILL.md frontmatter.
Runs code
No scripts in the folder and no shell commands in SKILL.md.
From the folder's file list and the shell code blocks in SKILL.md.
Network
No URLs in SKILL.md.
From URLs in SKILL.md, links to its own repository left out.
Credentials
Names no API keys, tokens, secrets or passwords.
From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.
Context cost
Expense Analyzer loads about 4.6k tokens when it runs. Until then it costs about 178 tokens; SKILL.md has 883 words of instructions outside code blocks.
Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.
Safety
Auto-check passed
The automated check found no risky patterns in SKILL.md.
Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); files beside SKILL.md are not scanned.
SKILL.md
The full file from FerroxLabs/wayland at commit 4c030c7, republished under its Apache-2.0 licence (© FerroxLabs). 883 words, ~4,630 tokens.
Download SKILL.mdSave it as
.claude/skills/expense-analyzer/SKILL.md (or your agent's skills folder).- name
- expense-analyzer
- description
- Spending pattern identification and expense optimization through subscription auditing, fixed vs variable cost analysis, cost-per-use calculations, lifestyle inflation detection, comparison to median spending by category, and savings opportunity discovery. Use when the user asks about expense analyzer, or needs help with spending pattern identification and expense optimization through subscription auditing, fixed vs variable cost analysis, cost-per-use calculations, lifestyle inflation detection, comparison to median spending by category, and savings opportunity discovery. Do NOT use when the request requires professional financial advice or falls outside the scope of expense analyzer.
- license
- Apache-2.0
- metadata.author
- foundry-skills
- metadata.version
- 1.0.0
- metadata.tags
- personal-finance expenses guide
- metadata.category
- personal-finance
- metadata.subcategory
- budgeting
- metadata.disclaimer
- educational-finance
- metadata.difficulty
- intermediate
Expense Analyzer
Disclaimer: This skill provides educational information about financial concepts and general guidance for personal financial planning. It does NOT constitute financial advice, investment recommendations, or tax guidance. Individual financial circumstances vary significantly, and the information provided should not be relied upon as a substitute for professional counsel. Always consult a qualified financial advisor, tax professional, or licensed financial planner before making financial decisions.
When to Use
Use this skill when:
- User wants to analyze their spending patterns and find savings
- User needs help categorizing and understanding where their money goes
- User wants to identify unnecessary subscriptions or spending leaks
- User needs a spending audit to prepare for budgeting
Do NOT use this skill when:
- User wants a budget built -- use budget-builder after the analysis
- User needs investment analysis -- use investment-related skills
- User wants business expense tracking -- use business accounting skills
Process
- Step 1: Collect 3 months of transaction data from bank and credit card statements
- Step 2: Categorize every transaction into needs, wants, savings, and debt
- Step 3: Calculate spending percentages and compare to benchmarks
- Step 4: Identify top 5 savings opportunities ranked by potential monthly impact
- Step 5: Produce spending summary with actionable recommendations
Purpose
This skill helps users understand where their money goes, identify wasteful spending, find optimization opportunities, and make informed decisions about their expenses. It goes beyond simple tracking to provide analytical frameworks that reveal hidden patterns and actionable savings.
Questions to Ask the User First
- Data availability: Do you have access to your last 3 months of bank and credit card statements? (Minimum 1 month, ideal 3-6 months)
- Income: What is your monthly take-home pay?
- Household size: How many people in your household?
- Location: What metro area or region do you live in? (Affects median spending comparisons)
- Financial goals: What are you trying to achieve? (Reduce spending? Find waste? Save for something specific?)
- Known pain points: Are there categories where you already suspect you overspend?
- Subscriptions: Can you list all your recurring subscriptions and memberships?
- Cash spending: Do you use cash frequently? (Cash is harder to track)
- Recent changes: Have you had any major lifestyle changes in the past year (new job, move, raise, baby)?
- Willingness to change: Are you open to making significant changes, or looking for small optimizations only?
Step 1: Comprehensive Expense Categorization
Have the user log or report all spending from the analysis period:
EXPENSE CATEGORIZATION TEMPLATE (Monthly Average)
==================================================
HOUSING
Rent / Mortgage: $__________
Property tax: $__________
Home insurance: $__________
HOA fees: $__________
Maintenance / Repairs: $__________
SUBTOTAL: $__________ ( ___% of income)
TRANSPORTATION
Car payment: $__________
Gas: $__________
Insurance: $__________
Maintenance: $__________
Parking / Tolls: $__________
Public transit: $__________
Rideshare (Uber/Lyft): $__________
SUBTOTAL: $__________ ( ___% of income)
FOOD
Groceries: $__________
Dining out / Takeout: $__________
Coffee shops: $__________
Alcohol: $__________
Work lunches: $__________
SUBTOTAL: $__________ ( ___% of income)
UTILITIES
Electric: $__________
Gas / Heating: $__________
Water / Sewer: $__________
Internet: $__________
Cell phone: $__________
SUBTOTAL: $__________ ( ___% of income)
INSURANCE & HEALTH
Health insurance premium: $__________
Medical / Dental / Vision (OOP): $__________
Prescriptions: $__________
Life insurance: $__________
SUBTOTAL: $__________ ( ___% of income)
SUBSCRIPTIONS & MEMBERSHIPS
Streaming (Netflix, Spotify, etc.): $__________
Gym / Fitness: $__________
News / Magazines: $__________
Software / Apps: $__________
Amazon Prime / Costco: $__________
Other memberships: $__________
SUBTOTAL: $__________ ( ___% of income)
PERSONAL & LIFESTYLE
Clothing: $__________
Personal care / Beauty: $__________
Hobbies: $__________
Entertainment (events, movies): $__________
SUBTOTAL: $__________ ( ___% of income)
DEBT PAYMENTS
Credit card minimums: $__________
Student loans: $__________
Personal loans: $__________
Other debt: $__________
SUBTOTAL: $__________ ( ___% of income)
MISCELLANEOUS
Gifts: $__________
Pet expenses: $__________
Children expenses: $__________
Charitable giving: $__________
Education: $__________
Other: $__________
SUBTOTAL: $__________ ( ___% of income)
TOTAL MONTHLY SPENDING: $__________
MONTHLY INCOME: $__________
SURPLUS / DEFICIT: $__________
SAVINGS RATE: ____%Step 2: Subscription Audit
Full Subscription Inventory
SUBSCRIPTION AUDIT
==================
Service | Monthly Cost | Last Used | Usage Frequency | Keep?
---------------------|-------------|------------- |-----------------|------
___________________ | $__________ | ____________ | Daily/Weekly/ | Y/N
| | | Monthly/Rarely |
___________________ | $__________ | ____________ | ____________ | Y/N
___________________ | $__________ | ____________ | ____________ | Y/N
___________________ | $__________ | ____________ | ____________ | Y/N
___________________ | $__________ | ____________ | ____________ | Y/N
___________________ | $__________ | ____________ | ____________ | Y/N
___________________ | $__________ | ____________ | ____________ | Y/N
___________________ | $__________ | ____________ | ____________ | Y/N
TOTAL MONTHLY SUBSCRIPTIONS: $__________
ANNUAL SUBSCRIPTION COST: $__________
Subscriptions to cancel:
1. ______________ -- saves $__________/month
2. ______________ -- saves $__________/month
3. ______________ -- saves $__________/month
Subscriptions to downgrade:
1. ______________ from $____ to $____ plan
TOTAL MONTHLY SAVINGS: $__________
ANNUAL SAVINGS: $__________Subscription Red Flags
- Not used in the past 30 days
- Duplicate services (two streaming, two cloud storage)
- Free trials that converted to paid
- Annual renewals you skipped about
- Price increases you accepted passively
Step 3: Fixed vs. Variable Cost Analysis
COST STRUCTURE ANALYSIS
========================
FIXED COSTS (same every month, hard to change quickly)
Housing: $__________
Car payment: $__________
Insurance: $__________
Debt minimums: $__________
Phone plan: $__________
Internet: $__________
Subscriptions: $__________
TOTAL FIXED: $__________ ( ___% of income)
VARIABLE COSTS (change monthly, within your control)
Groceries: $__________
Dining out: $__________
Gas: $__________
Entertainment: $__________
Shopping: $__________
Personal care: $__________
TOTAL VARIABLE: $__________ ( ___% of income)
TARGET: Fixed costs should be under 50-60% of take-home pay
Current fixed cost ratio: ____%
If over 60%: You have limited flexibility. Focus on reducing fixed costs
(refinance, move, sell car, switch insurance, renegotiate).
If under 50%: Good structure. Optimize variable costs for additional savings.Step 4: Cost-Per-Use Analysis
For major purchases and memberships, calculate cost per use:
COST-PER-USE CALCULATOR
========================
Item / Membership | Total Cost | Uses per Month | Monthly CPU | Verdict
------------------------|-------------|----------------|-------------|--------
Gym membership | $__________ | ____________ | $__________ | ________
Streaming service | $__________ | ____________ | $__________ | ________
Clothing item | $__________ | ____________ | $__________ | ________
Kitchen gadget | $__________ | ____________ | $__________ | ________
Car (vs. rideshare) | $__________ | ____________ | $__________ | ________
Formula: Monthly cost / Number of uses per month = Cost per use
BENCHMARKS:
Gym: Under $5/visit = good value; Over $15/visit = reconsider
Streaming: Under $1/hour watched = good value
Clothing: Under $1/wear for everyday items; Under $5/wear for special items
Car: Compare total car costs/month to equivalent rideshare costsStep 5: Lifestyle Inflation Detection
LIFESTYLE INFLATION CHECK
==========================
Compare your spending when you earned less vs. now:
When I earned Now I earn Spending
Category $__________/yr $__________/yr Change
Housing: $__________ $__________ +$__________
Car: $__________ $__________ +$__________
Food: $__________ $__________ +$__________
Entertainment: $__________ $__________ +$__________
Shopping: $__________ $__________ +$__________
Other: $__________ $__________ +$__________
Total spending increase: +$__________
Income increase: +$__________
% of raise consumed by lifestyle inflation: ____%
TARGET: Keep lifestyle inflation under 50% of any raise.
Invest/save the other 50%+ of income increases.Lifestyle Inflation Warning Signs
- Upgrading cars shortly after raises
- Moving to more expensive housing without need
- Increasing dining out frequency
- Shopping as recreation
- Normalizing premium everything (coffee, groceries, flights)
Step 6: Comparison to Median Spending
Compare user spending to Bureau of Labor Statistics Consumer Expenditure Survey averages:
SPENDING vs. NATIONAL MEDIAN (approximate percentages of after-tax income)
==========================================================================
Category | Median % | Your % | Difference | Status
Housing | 33% | ____% | __________ | Over/Under/Normal
Transportation | 16% | ____% | __________ | Over/Under/Normal
Food | 13% | ____% | __________ | Over/Under/Normal
Insurance/Pension | 12% | ____% | __________ | Over/Under/Normal
Healthcare | 8% | ____% | __________ | Over/Under/Normal
Entertainment | 5% | ____% | __________ | Over/Under/Normal
Clothing | 3% | ____% | __________ | Over/Under/Normal
Other | 10% | ____% | __________ | Over/Under/Normal
Note: Medians vary significantly by region, household size, and income level.
Spending above median is not inherently bad if it aligns with your values.Step 7: Savings Opportunity Finder
Show full SKILL.md (356 more words)Show less
Quick Wins (immediate impact, low effort)
SAVINGS OPPORTUNITIES
=====================
IMMEDIATE (this week):
[ ] Cancel unused subscriptions: saves $__________/mo
[ ] Call cell phone provider for better rate: saves $__________/mo
[ ] Switch to generic medications: saves $__________/mo
[ ] Cancel premium tiers you don't fully use: saves $__________/mo
SHORT-TERM (this month):
[ ] Shop auto/home insurance quotes: saves $__________/mo
[ ] Switch to high-yield savings account: earns $__________/mo
[ ] Meal prep 2 days per week: saves $__________/mo
[ ] Set up automatic savings transfer: saves $__________/mo
MEDIUM-TERM (next quarter):
[ ] Refinance high-interest debt: saves $__________/mo
[ ] Negotiate salary or find better-paying work: earns $__________/mo
[ ] Switch to a cheaper phone plan: saves $__________/mo
[ ] Reduce dining out by 50%: saves $__________/mo
LONG-TERM (next year):
[ ] Downsize housing: saves $__________/mo
[ ] Eliminate car payment (buy used next time): saves $__________/mo
[ ] Move to lower cost-of-living area: saves $__________/mo
TOTAL POTENTIAL MONTHLY SAVINGS: $__________
TOTAL POTENTIAL ANNUAL SAVINGS: $__________The Latte Factor (Reframed)
Small daily expenses add up, but do not obsess over them at the expense of big wins:
Daily expense | Monthly cost | Annual cost | 10-year cost (invested at 7%)
$5/day coffee | $150 | $1,825 | ~$25,000
$15/day lunch | $450 | $5,475 | ~$75,000
$10/day misc | $300 | $3,650 | ~$50,000
BUT: One insurance renegotiation might save $100/month ($17,000 over 10 years)
One salary negotiation might add $5,000/year ($69,000 over 10 years)
Focus on big wins first, then optimize the small stuff.Spending Alignment Check
The most important question: Does your spending reflect your values?
VALUE ALIGNMENT EXERCISE
========================
List your top 5 values/priorities:
1. __________
2. __________
3. __________
4. __________
5. __________
Now list your top 5 spending categories:
1. __________ ($__________)
2. __________ ($__________)
3. __________ ($__________)
4. __________ ($__________)
5. __________ ($__________)
Do these lists align? If your values say "family and health" but your
spending says "dining out and subscriptions," there is an opportunity
to realign spending with what truly matters to you.Output Format
When delivering expense analysis, provide:
- Spending summary -- Total spending, savings rate, income vs. expenses
- Category breakdown -- With percentages and comparison to medians
- Top 3 problem areas -- Categories most over benchmark or misaligned with goals
- Subscription audit results -- What to cancel, downgrade, or keep
- Quick wins -- Immediate actions with estimated savings
- Strategic recommendations -- Longer-term structural changes
- Monthly savings potential -- Total estimated savings from all recommendations
- Value alignment note -- Does spending match stated priorities?
Example
Input: "I feel like I am spending too much but I do not know where. My take-home is $5,000/month and I only save $200. Here are my main expenses: rent $1,400, car payment $350, groceries $600, dining out $500, subscriptions $180, utilities $200, gas $150, shopping $400, insurance $250."
Output:
Expense Analysis Report
Monthly take-home: $5,000 Current savings: $200 (4%) Total tracked expenses: $4,030 Unaccounted: $770 (potential cash spending or missed categories)
Spending Breakdown
| Category | Amount | % of Income | Benchmark | Status |
|---|---|---|---|---|
| Housing | $1,400 | 28% | 25-30% | OK |
| Transportation | $500 | 10% | 10-15% | OK |
| Groceries | $600 | 12% | 8-10% | HIGH |
| Dining out | $500 | 10% | 5-7% | HIGH |
| Shopping | $400 | 8% | 3-5% | HIGH |
| Subscriptions | $180 | 3.6% | 1-2% | HIGH |
| Utilities | $200 | 4% | 3-5% | OK |
| Insurance | $250 | 5% | 4-6% | OK |
Top 5 Savings Opportunities
| Rank | Action | Monthly Savings |
|---|---|---|
| 1 | Reduce dining out to $250/mo (cook 2 extra meals/week) | $250 |
| 2 | Reduce shopping to $200/mo (30-day rule on purchases over $50) | $200 |
| 3 | Audit subscriptions -- cancel unused (target $80/mo) | $100 |
| 4 | Reduce groceries to $450/mo (meal planning, store brand staples) | $150 |
| 5 | Track the $770 unaccounted spending | $200-400 |
Potential monthly savings: $900-$1,100 New savings rate: $1,100-$1,300/mo (22-26% of income)
Edge Cases
- Incomplete information: Ask clarifying questions before proceeding. Do not assume details the user has not provided.
- Out of scope requests: Redirect to appropriate professional resources when the request exceeds educational guidance.
- Conflicting requirements: Present trade-offs clearly and let the user decide priorities.
© FerroxLabs, Apache-2.0. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file
Files
Just SKILL.md in src/process/resources/skills-library/bodies/skills/personal-finance/expense-analyzer of FerroxLabs/wayland.
Open the folder on GitHubat commit 4c030c7
Compare with similar skills
Expense Analyzer next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.
| Skill | Stars | Used in | Tokens | Auto-check | Licence | Repo updated |
|---|---|---|---|---|---|---|
| Expense Analyzer this skillFerroxLabs/wayland | 608 | — | ~4.6k | Automated safety check: Pass | Apache-2.0 | |
| Longbridge Researchhelsome/folio | 269 | 3 repos | ~2.1k | Automated safety check: Pass | MIT | |
| Bet SizingJoelLewis/finance_skills | 205 | — | ~2.5k | Automated safety check: Pass | MIT | |
| Dd LogsDataDog/pup | 1k | — | ~1.3k | Automated safety check: Pass | Apache-2.0 | |
| Cash Flow ForecastWellApp-ai/Well | 345 | — | ~567 | Automated safety check: Pass | MIT | |
| Cash Flow Snapshotsandbaseai/sandbase-skills | 201 | — | ~1.9k | Automated safety check: Pass | Apache-2.0 |
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Questions about Expense Analyzer
What does Expense Analyzer do?
Spending pattern identification and expense optimization through subscription auditing, fixed vs variable cost analysis, cost-per-use calculations, lifestyle inflation detection, comparison to…. Expense Analyzer is an agent skill from FerroxLabs/wayland. Spending pattern identification and expense optimization through subscription auditing, fixed vs variable cost analysis, cost-per-use calculations, lifestyle inflation detection, comparison to median spending by category, and savings opportunity discovery.
When should I use Expense Analyzer?
Expense Analyzer fits situations like: the user asks about expense analyzer; needs help with spending pattern identification and expense optimization through subscription auditing; fixed vs variable cost analysis; cost-per-use calculations.
How do I install Expense Analyzer in Claude Code?
Run `npx skills add FerroxLabs/wayland --skill expense-analyzer -a claude-code`. Or copy the skill folder (src/process/resources/skills-library/bodies/skills/personal-finance/expense-analyzer in FerroxLabs/wayland) into .claude/skills/expense-analyzer in your project. Claude Code loads it when a task matches its description.
How do I install Expense Analyzer in Codex?
Run `npx skills add FerroxLabs/wayland --skill expense-analyzer -a codex`. Or copy the skill folder (src/process/resources/skills-library/bodies/skills/personal-finance/expense-analyzer in FerroxLabs/wayland) into .agents/skills/expense-analyzer in your project. Codex loads it when a task matches its description.
Can I use Expense Analyzer in Cursor, Gemini CLI or GitHub Copilot?
Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add FerroxLabs/wayland --skill expense-analyzer -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/expense-analyzer, .gemini/skills/expense-analyzer, .github/skills/expense-analyzer and .opencode/skills/expense-analyzer in your project.
What does Expense Analyzer need to run?
SKILL.md names no scripts, command-line tools or credentials: Expense Analyzer is instructions for the agent only.
Does Expense Analyzer access the network?
SKILL.md contains no URLs. Any network use would come from the scripts or tools the agent runs. This is read from the text; nothing was executed.
Is Expense Analyzer safe to install?
Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. Review the folder before installing.
What licence does Expense Analyzer use?
Expense Analyzer is published under the Apache-2.0 licence (declared in SKILL.md). It allows redistribution, so the full SKILL.md is shown on this page.
How many tokens does Expense Analyzer use?
About 4.6k tokens (SKILL.md is roughly 19k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full.
What are the alternatives to Expense Analyzer?
Skills that share tags, products or a category with Expense Analyzer: Longbridge Research (helsome/folio, 269 stars), Bet Sizing (JoelLewis/finance_skills, 205 stars), Dd Logs (DataDog/pup, 1k stars) and Cash Flow Forecast (WellApp-ai/Well, 345 stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.
Who maintains Expense Analyzer?
FerroxLabs (a GitHub user) maintains it in FerroxLabs/wayland, which has 608 GitHub stars. The repository holds 1,194 skills in this directory. The repository was last updated on October 6, 2026.
Source: FerroxLabs/wayland on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.