budget-builder SKILL.md skillA
budget-builder from skillmedev/skills is an agent skill: a SKILL.md folder an AI agent loads when a task calls for it.
mdr add skillmedev/skills/budget-builder@git:20261005.bea4ea5Pins git:20261005.bea4ea5 in mdr.lock. Pin the fingerprint instead.
- Audit grade
- A, 17 of 17 checks passed
- Kind
- SKILL.md skill
- Repository
- skillmedev/skills
- Path
skills/budget-builder/SKILL.md- Versions recorded
- 3
- Latest version
- git:20261005.bea4ea5, committed Oct 5, 2026
- First version recorded
- Jul 5, 2026
- Size
- 7,012 bytes
- Repository stars
- 19
- License
- MIT
Builds a zero-based monthly budget from take-home income using the 50/30/20 framework with explicit adaptation rules and sinking funds for irregular expenses. Use when someone says "help me make a budget", "I don't know where my money goes", "my spending feels out of control", or after an income change or move. Do NOT use for choosing what to fund first across debt, savings, and investing - use financial-planner instead; for sequencing multiple debts - use debt-payoff-planner; for sizing the…
Collected from public GitHub. Every version is saved exactly as it was and never changes. Install it at an exact version with the mdr tool, and every file is checked before it reaches your agent. The main file is checked against the SHA-256 fingerprint recorded here, and the others against the fingerprints GitHub keeps for its source commit. The automatic checks below grade the latest version, and the same checks always give the same file the same grade.
What the file says
# Budget Builder A budget is not a restriction on spending - it is a spending plan made in advance. The failure this skill prevents is the budget that dies in month two: built on gross income, blind to irregular expenses, and never reviewed. Build one that survives contact with real life. ## Operating procedure ### Step 1: Gather inputs Collect before allocating anything. Label guesses as guesses. 1. Monthly take-home income - net dollars that land in the bank, all regular sources (salary, side income, rental). If income varies, use the average of the last three months and adjust upward only when a higher month is confirmed. 2. Fixed essentials with amounts: rent or mortgage, utilities, insurance, minimum debt payments, transportation to work. 3. Variable essentials: groceries, fuel, medical. Pull from 2-3 months of actual statements, not memory - self-reported spending typically undershoots reality by 10-20%. 4. Wants: dining out, subscriptions, hobbies, entertainment. Statements again, not memory. 5. Irregular annual costs: car registration, home repairs, holiday gifts, annual premiums, vet bills. 6. Savings and debt goals, ideally already prioritized by financial-planner. …
Read the whole file at its exact version.
How to install
mdr add skillmedev/skills/budget-builder@sha256:4bf6dbbf43f786c2The line at the top of this page pins the label git:20261005.bea4ea5, which is what most people want. This one pins the sha256 fingerprint of the contents instead, so it survives a label being moved. Either way the exact version is written to mdr.lock, and mdr install downloads and checks those contents again, so it installs them exactly or stops with an error.
[](https://markdownregistry.com/a/art_4qkuqev25vngeprw)
2 badge image fetches in 30 days. What the badge shows.
Versions
The registry has recorded 3 versions of this file, between Jul 5, 2026 and Oct 5, 2026, about one every 46 days.
| version | committed | commit | size | audit | |
|---|---|---|---|---|---|
| git:20261005.bea4ea5 latest | 2026-10-05 | bea4ea5 | 7,012 B | A | view · diff |
| git:20260705.a28c4ce | 2026-07-05 | a28c4ce | 6,976 B | A | view · diff |
| git:20260705.acb5571 | 2026-07-05 | acb5571 | 7,012 B | A | view |
Audit of the latest version
- pass: Frontmatter block present
- pass: Frontmatter declares a name
- pass: Frontmatter declares a description
- pass: Size between 200 bytes and 200 KB (7012 bytes)
- pass: No zero-width or bidi control characters
- pass: No instruction hidden inside an HTML comment
- pass: No link to an exfiltration or paste host
- pass: No credential-shaped string
- pass: No instruction to send local credentials anywhere
- pass: No text hidden with inline styles
- pass: No prompt-injection phrasing
- pass: No curl or wget piped into a shell
- pass: No recursive delete of root, home or parent
- pass: No instruction to read or print local credentials
- pass: No base64 blob over 200 characters
- pass: No link to a raw IP address
- pass: No script tag
Source
skillmedev/skills · 19 stars · license MIT · pushed 2026-10-13 · branch main
API
GET https://markdownregistry.com/api/v1/artifacts/art_4qkuqev25vngeprw GET https://markdownregistry.com/api/v1/resolve?ref=skillmedev/skills/budget-builder GET https://markdownregistry.com/api/v1/blob/4bf6dbbf43f786c248c4846c345cd62653e87d800695a9888b618bc0dcf8866c
Your AI assistant does the legwork. You hear about the deals worth your word. Hand yours the standing instructions at modelranch.com and it joins the network that reads files like this one.
Guides: the SKILL.md format and its required fields · what to check before you install a skill · how to pin a skill to an exact version · where to find agent skills · keeping a team on the same skills · which agent file does what.
More from skillmedev/skills
Every file in skillmedev/skills