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Agent skill

Personal Finance Planning

by harperreed in harperreed/dotfiles

A skill your agent uses when asked to organize finances, create a budget, plan debt payoff, build savings goals, audit subscriptions, or do any personal money management task.

No licenceAuto-check passedBusiness, Finance & HR

Install Personal Finance Planning

skills CLI
$ npx skills add harperreed/dotfiles --skill personal-finance-planning -a claude-code

Project install by default; add -g for ~/.claude/skills/.

GitHub CLI
$ gh skill install harperreed/dotfiles personal-finance-planning --agent claude-code

Project scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).

Manual copy
$ git clone --depth 1 https://github.com/harperreed/dotfiles.git skills-src && mkdir -p .claude/skills && cp -r skills-src/.claude/skills-archive/personal-finance-planning .claude/skills/personal-finance-planning && rm -rf skills-src

Use ~/.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/

Facts

Skill name
personal-finance-planning
GitHub stars
334
Token cost
~1.8k tokens
SKILL.md length
848 words
Files
1
Skills in repo
32
Repo updated
First seen
Licence
None found

At a glance

A skill your agent uses when asked to organize finances, create a budget, plan debt payoff, build savings goals, audit subscriptions, or do any personal money management task.

  • Works in 10 steps: Budget Reset → Expense Leak Finder → Subscription Audit → …
  • Asked to organize finances
  • SKILL.md covers Overview, When to Use, The Workflow and Quick Reference, plus 2 more sections
  • Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md

What it does

Personal Finance Planning is an agent skill from harperreed/dotfiles. Use when asked to organize finances, create a budget, plan debt payoff, build savings goals, audit subscriptions, or do any personal money management task. Triggers on "budget", "finances", "savings", "debt", "subscriptions", "emergency fund", "investing", "cash flow", "money system", "financial plan".

Its SKILL.md is about 1.8k 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: Dotfiles. Managed by YADM.

When your agent uses it

  • Asked to organize finances
  • Create a budget
  • Plan debt payoff
  • Build savings goals

Example prompts

  • “budget”
  • “finances”
  • “savings”
  • “/personal-finance-planning”

Workflow steps

10 steps, taken from the step headings in SKILL.md.

  1. Budget Reset
  2. Expense Leak Finder
  3. Subscription Audit
  4. Spending Controls
  5. Debt Payoff
  6. Emergency Fund
  7. Savings Goals
  8. Income Growth
  9. Investment Starter
  10. Cash Flow System

What it can do on your machine

Read from SKILL.md and the folder at commit b78c10e. 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 (its code samples are dot).

    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

Personal Finance Planning loads about 1.8k tokens when it runs. Until then it costs about 82 tokens; SKILL.md has 848 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~82
When it runs · the whole SKILL.md, loaded when a task matches
~1.8k

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

Without a licence we can't republish the file, so here is its outline and opening line. It has 848 words (~1,788 tokens).

“A structured workflow for building a complete personal money system. Works through 10 financial domains in priority order — defense first (stop leaks), then offense (grow wealth). Each phase gathers real numbers, produces concrete artifacts, and feeds into the next.”

— opening of SKILL.md by harperreed
name
personal-finance-planning

Read the full SKILL.md on GitHub

Files

Just SKILL.md in .claude/skills-archive/personal-finance-planning of harperreed/dotfiles.

Open the folder on GitHubat commit b78c10e

Compare with similar skills

Personal Finance Planning 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.

Personal Finance Planning compared with similar skills
SkillStarsUsed inTokensAuto-checkLicenceRepo updated
Personal Finance Planning this skillharperreed/dotfiles334—~1.8kAutomated safety check: PassNone
Longbridge Researchhelsome/folio2713 repos~2.1kAutomated safety check: PassMIT
Bet SizingJoelLewis/finance_skills206—~2.5kAutomated safety check: PassMIT
Cre Asset Managementahacker-1/cre-agent-skills113—~1.8kAutomated safety check: PassApache-2.0
Dd LogsDataDog/pup1k—~1.3kAutomated safety check: PassApache-2.0
Cash Flow ForecastWellApp-ai/Well345—~567Automated safety check: PassMIT

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    helsome/folio

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Categories

Questions about Personal Finance Planning

What does Personal Finance Planning do?

A skill your agent uses when asked to organize finances, create a budget, plan debt payoff, build savings goals, audit subscriptions, or do any personal money management task. Personal Finance Planning is an agent skill from harperreed/dotfiles. Use when asked to organize finances, create a budget, plan debt payoff, build savings goals, audit subscriptions, or do any personal money management task.

When should I use Personal Finance Planning?

Personal Finance Planning fits situations like: asked to organize finances; create a budget; plan debt payoff; build savings goals.

How do I install Personal Finance Planning in Claude Code?

Run `npx skills add harperreed/dotfiles --skill personal-finance-planning -a claude-code`. Or copy the skill folder (.claude/skills-archive/personal-finance-planning in harperreed/dotfiles) into .claude/skills/personal-finance-planning in your project. Claude Code loads it when a task matches its description.

How do I install Personal Finance Planning in Codex?

Run `npx skills add harperreed/dotfiles --skill personal-finance-planning -a codex`. Or copy the skill folder (.claude/skills-archive/personal-finance-planning in harperreed/dotfiles) into .agents/skills/personal-finance-planning in your project. Codex loads it when a task matches its description.

Can I use Personal Finance Planning 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 harperreed/dotfiles --skill personal-finance-planning -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/personal-finance-planning, .gemini/skills/personal-finance-planning, .github/skills/personal-finance-planning and .opencode/skills/personal-finance-planning in your project.

What does Personal Finance Planning need to run?

SKILL.md names no scripts, command-line tools or credentials: Personal Finance Planning is instructions for the agent only.

Does Personal Finance Planning 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 Personal Finance Planning 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 Personal Finance Planning use?

No licence was found for Personal Finance Planning or its repository. Without one, default copyright applies: ask the author before reusing or redistributing it.

How many tokens does Personal Finance Planning use?

About 1.8k tokens (SKILL.md is roughly 7.2k 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 Personal Finance Planning?

Skills that share tags, products or a category with Personal Finance Planning: Longbridge Research (helsome/folio, 271 stars), Bet Sizing (JoelLewis/finance_skills, 206 stars), Cre Asset Management (ahacker-1/cre-agent-skills, 113 stars) and Dd Logs (DataDog/pup, 1k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Personal Finance Planning?

harperreed (a GitHub user) maintains it in harperreed/dotfiles, which has 334 GitHub stars. The repository holds 32 skills in this directory. The repository was last updated on October 3, 2026.

Source: harperreed/dotfiles on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.