# Personal Finance

> Manage personal finances, track spending by category, set budgets, and receive reminders for EMIs and one-time annual expenses. Use for logging expenses, checking budget status, or setting up financial reminders.

- Skill: `modbender/personal-finance` (Agent Skill, multi-file: 3 files)
- Install (CLI): `npx skillmds@latest add modbender/personal-finance`
- Raw SKILL.md: https://api.skillmd.com/api/skills/modbender/personal-finance/raw
- Safety review: pending
- Works with: Claude Code, Claude.ai, OpenAI Codex
- Category: Finance & Business
- Author: modbender (https://skillmd.com/u/modbender)
- Updated: 2026-09-09
- Page: https://skillmd.com/skills/modbender/personal-finance

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# Personal Finance

Track spending, manage budgets, and stay on top of recurring payments (EMIs) and one-time annual expenses using a local SQLite backend.

## Preset Categories
The skill starts with: `Food`, `Rent`, `Utilities`, `Travel`, `Entertainment`, `Shopping`, `Health`, `Misc`.

## Core Features
- **Categorized Tracking**: Log expenses into preset or custom categories.
- **Dynamic Categories**: Add new categories on the fly.
- **SQLite Backend**: All data is stored in `finance.db`.

## Setup
1. Run `scripts/init_db.py` to initialize the database (already done).
2. Ask the user if they want to add custom categories or set budgets for the presets.

## Logging Expenses
Record spends into `finance.db`. 
Example: "Spent 500 on Food for lunch" -> Insert into transactions table.

## Scheduled Tasks
- **Weekly Digest**: Summarize SQLite `transactions` table.
- **Reminders**: Check `schedules` table for EMIs and One-time spends.