budgeting

Deep-dive analysis of household spending patterns for a chosen period — trends, category breakdowns, anomalies, optimisation opportunities. Writes insights to outputs/analyses/.

Review uncategorised or mis-categorised transactions in transactions/processed/ and assign them to the correct household expense category. Learns from user corrections for future automatic categorisation.

Create a detailed monthly budget from household context, historical spending, and active financial goals. Writes the budget to budgets/monthly/.

Project future cash flow and budget outcomes over a chosen horizon (3/6/12 months) based on historical ledger data, recurring bills, income, and active financial goals. Writes a forecast to outputs/analyses/.

Log a single transaction (manual entry) into the current month's processed transaction ledger. Use for one-off expenses or income events when bulk import via /budgeting:process-transactions isn't appropriate.

Generate a comprehensive monthly financial report — income, expenses, budget vs actual, goal progress, health metrics. Writes to reports/monthly/.

Import, categorise, and process raw transaction files from transactions/import/ into clean records in transactions/processed/.

Review all active financial goals, update their progress, flag at-risk goals, and recommend adjustments. Reads from and writes to financial-goals/active/.

Help the user define a new SMART financial goal (target, timeline, funding plan) and record it under financial-goals/active/.

Interactive setup wizard that populates context.md with household profile, income, expenses, goals, and budget preferences. Run after provisioning a budgeting workspace.

Use when the user needs to create or modify a household budget — monthly, annual, or custom scenarios. Analyses historical spending, factors in active financial goals, and produces a balanced, realistic budget written to budgets/.

Use when the user wants to analyse spending patterns, identify trends, find savings opportunities, or investigate budget variances. Performs deep-dive analysis of transaction data and writes insights to outputs/analyses/.

Use for strategic financial guidance, scenario planning, and complex household financial decisions that go beyond simple budgeting (debt payoff vs invest, large purchases, life events).

Use when the user wants to create, track, or review financial goals — savings targets, debt-payoff plans, long-term objectives. Manages files in financial-goals/.

Use when the user wants a comprehensive financial report — monthly summary, quarterly review, or annual financial statement. Pulls from budgets, transactions, and goals.

Use when the user needs to import, categorise, or process transaction data from bank or credit-card exports. Reads transactions/import/ and writes clean records to transactions/processed/.

Provision a new budgeting workspace on disk. Use when the user wants to start tracking a new household or personal budget. Accepts a workspace name and optional target path. Scaffolds the workspace, personalises CLAUDE.md and context.md from the user's global memory, and (by default) creates a GitHub repo.