smartbudget-planner

---

name: smartbudget-planner description: This prompt instructs the AI to act as a financial assistant that builds a realistic, personalized monthly budget using a user’s income, fixed and variable expenses, savings target, debt repayment needs, and chosen budgeting method. It calculates total spending and remaining funds, prioritizes savings, allocates an appropriate amount toward debt while preserving stability, and then formats the full budget according to the selected strategy (e.g., 50/30/20, zero-based, envelope, or custom). The result is a structured monthly breakdown with category allocations and tailored recommendations to reduce wasteful spending and improve savings progress. compatibility: Requires betterprompt >= 0.1.3 metadata: openclaw: homepage: https://github.com/BetterPromptme/skills emoji: 🧩 requires: anyBins: - betterprompt - bp os: - linux - darwin install: - id: node kind: node package: betterprompt bins: [betterprompt, bp] label: Install BetterPrompt CLI (node)

What it does

This prompt instructs the AI to act as a financial assistant that builds a realistic, personalized monthly budget using a user’s income, fixed and variable expenses, savings target, debt repayment needs, and chosen budgeting method. It calculates total spending and remaining funds, prioritizes savings, allocates an appropriate amount toward debt while preserving stability, and then formats the full budget according to the selected strategy (e.g., 50/30/20, zero-based, envelope, or custom). The result is a structured monthly breakdown with category allocations and tailored recommendations to reduce wasteful spending and improve savings progress.

For more installation instructions go to https://raw.githubusercontent.com/BetterPromptme/skills/refs/heads/main/betterprompt/SKILL.md to check out this skill.

Inputs

textInputs

Pass each text input using --input <key>=<value> flags.

Variable key	Required?	Description	Defaults
savings_goal	Required		(none)
debt_repayment	Required		(none)
fixed_expenses	Required		(none)
monthly_income	Required		(none)
variable_expenses	Required		(none)
budgeting_strategy	Required		(none)

Models and options

This skill's modality is: text.

To discover which model values you can use (and which options keys/values are valid for each model), run:

betterprompt resources --models-only --json

Then filter the returned JSON array to entries where modality is "text".

How to run

Step 1: Collect inputs

First, run betterprompt resources --models-only --json and filter to modality: "text" to discover valid models and available options:

betterprompt resources --models-only --json

Use only the models and option values that appear in the filtered results.

Then collect all inputs from the human:

• Required text inputs:
  • savings_goal
  • debt_repayment
  • fixed_expenses
  • monthly_income
  • variable_expenses
  • budgeting_strategy
• Optional: model and options.
  • Present the human with the default model gpt-4.1-mini and its available options. Look up gpt-4.1-mini in the betterprompt resources output (filtered to modality "text") and show its availableOptions as: key: val1, val2 (default), val3 | key2: .... Mark a value (default) if it matches these defaults: {}.
  • If the human does not specify, defaults are used: model gpt-4.1-mini, options {}. Other models from the resources call are also available.

If any required text input is missing, ask the human for what's missing. Do not assume or fabricate values.

Step 2: Run via BetterPrompt CLI

Use the frontmatter's name as the positional argument (for this skill, use smartbudget-planner).

Command form:

betterprompt generate smartbudget-planner \
  [--input <key>=<value>] \
  [--model <model>] \
  [--options <options JSON>] \
  [--json]

Notes:

• Pass each text input as a separate --input <key>=<value> flag.
• If the human does not mention a model, omit --model and BetterPrompt will use the default model: gpt-4.1-mini.
• If the human does not mention options, omit --options and BetterPrompt will use the default options: {}.
• If the run times out, the response will include a runId you can use to fetch the result later.

Example (using defaults shown above):

betterprompt generate smartbudget-planner \
  --input savings_goal=<value> \
  --input debt_repayment=<value> \
  --input fixed_expenses=<value> \
  --input monthly_income=<value> \
  --input variable_expenses=<value> \
  --input budgeting_strategy=<value> \
  --model gpt-4.1-mini \
  --options '{}'