Budget Planner

Plan and track budgets using your AI agent. Works for personal finance, project budgets, or department spending.

What It Does

• Creates structured budgets with categories, allocations, and actuals
• Tracks spending against budget with variance analysis
• Flags overspending early with threshold alerts
• Generates monthly/quarterly budget reports
• Supports multiple budget types (personal, project, department)

Usage

Create a Budget

Tell your agent: "Create a monthly budget for [purpose] with a total of $[amount]"

The agent will ask about categories and allocations, then create a structured budget file.

Budget File Format

Budgets are stored as markdown tables in your workspace:

# Budget: [Name] — [Period]
Total: $X,XXX

| Category | Allocated | Spent | Remaining | Status |
|----------|-----------|-------|-----------|--------|
| Rent | $1,500 | $1,500 | $0 | ✅ On track |
| Food | $600 | $450 | $150 | ✅ Under |
| Transport | $200 | $280 | -$80 | 🔴 Over |

Track Spending

Tell your agent: "Log $45 under Food" or "I spent $280 on transport this month"

Get Reports

• "How's my budget looking?" — summary with variances
• "Where am I overspending?" — flags problem categories
• "Project my end-of-month spend" — extrapolates from current pace

Alert Thresholds

Default alerts:

• ⚠️ Warning at 80% of category allocation
• 🔴 Over budget when exceeded
• 📊 Weekly digest if enabled

Tips

• Start with broad categories, refine over time
• Review weekly — catching overspend early is the whole point
• Use "rollover" for categories where unspent funds carry forward
• Compare month-over-month to spot trends

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