Metadata

name: BudgetLy
description: Set category budgets, log expenses, and visualize spending limits. Use when tracking grocery costs, monitoring subscriptions, or forecasting spend.
version: 2.0.0
author: BytesAgain
homepage: https://bytesagain.com
source: https://github.com/bytesagain/ai-skills
tags: ["budget","finance","money","spending","savings","personal-finance","categories"]
categories: ["Finance","Personal Management","Productivity"]

BudgetLy

BudgetLy v2.0.0 — a personal finance toolkit for recording expenses, categorizing spending, checking balances, analyzing trends, forecasting budgets, and generating reports from the command line.

Why BudgetLy?

Full-featured personal finance tracker with 12 specialized commands
No external dependencies, accounts, or API keys needed — your data stays local
All entries are timestamped and stored in plain-text log files
Export to JSON, CSV, or TXT for analysis in spreadsheets or other tools
Built-in search, statistics, and health-check utilities
Works on any system with Bash

Commands

Command	Usage	Description
`record`	`budgetly record <input>`	Record a financial transaction or expense entry
`categorize`	`budgetly categorize <input>`	Categorize a transaction (e.g., food, transport, rent)
`balance`	`budgetly balance <input>`	Log or check account balance information
`trend`	`budgetly trend <input>`	Log trend data for spending pattern analysis
`forecast`	`budgetly forecast <input>`	Record a budget forecast or projection
`export-report`	`budgetly export-report <input>`	Generate and log an export report entry
`budget-check`	`budgetly budget-check <input>`	Check budget limits and log the result
`summary`	`budgetly summary <input>`	Log a financial summary (daily, weekly, monthly)
`alert`	`budgetly alert <input>`	Set or log a budget alert (overspend warnings, etc.)
`history`	`budgetly history <input>`	Log or view financial history entries
`compare`	`budgetly compare <input>`	Compare spending across periods or categories
`tax-note`	`budgetly tax-note <input>`	Record tax-related notes and deductions
`stats`	`budgetly stats`	Show summary statistics across all log files
`export`	`budgetly export <fmt>`	Export all data (json, csv, or txt)
`search`	`budgetly search <term>`	Search across all log files for a keyword
`recent`	`budgetly recent`	Show the 20 most recent history entries
`status`	`budgetly status`	Health check — version, entry count, disk usage
`help`	`budgetly help`	Show the help message with all commands
`version`	`budgetly version`	Print the current version

All entry commands (record, categorize, balance, trend, forecast, export-report, budget-check, summary, alert, history, compare, tax-note) work the same way:

With arguments: saves a timestamped entry to <command>.log and logs to history.log
Without arguments: displays the 20 most recent entries from that command's log

Data Storage

All data is stored in ~/.local/share/budgetly/:

record.log, categorize.log, balance.log, etc. — one log file per command
history.log — unified activity log across all commands
export.json / export.csv / export.txt — generated export files

Each entry is stored as YYYY-MM-DD HH:MM|<value> (pipe-delimited timestamp and content).

Requirements

Bash (with set -euo pipefail)
Standard Unix utilities: date, wc, du, grep, head, tail, cat
No external dependencies, no Python, no API keys

When to Use

Daily expense logging — Use budgetly record "Lunch at cafe ¥45" to maintain a running log of daily expenses and review them later with budgetly record (no args shows recent entries).
Category-based spending analysis — Use budgetly categorize "food: ¥2,300 this month" to organize expenses by category and then search with budgetly search "food" to analyze patterns.
Monthly budget forecasting — Use budgetly forecast "April budget: rent ¥3000, food ¥2500, transport ¥800" to plan ahead and compare actuals later with budgetly compare.
Tax preparation — Use budgetly tax-note "Home office deduction: ¥1,200/month, receipts in folder Q1-2026" to keep tax-related notes organized and export them with budgetly export csv.
Spending alerts and limits — Use budgetly alert "Entertainment budget exceeded: ¥1,500/¥1,000 limit" to log overspend warnings and review alerts with budgetly alert.

Examples

# Record daily expenses
budgetly record "Coffee ¥15, lunch ¥42, groceries ¥128"
budgetly record "Monthly rent ¥3,500"

# Categorize spending
budgetly categorize "transport: Uber ¥30, subway ¥8, gas ¥200"
budgetly categorize "subscriptions: Netflix ¥45, Spotify ¥15, iCloud ¥6"

# Check and log balance
budgetly balance "Checking account: ¥15,230 as of March 18"

# Analyze spending trends
budgetly trend "Food spending up 15% vs last month"

# Forecast next month
budgetly forecast "April projection: total ¥8,500 (down from ¥9,200 in March)"

# Set budget alerts
budgetly alert "Warning: dining out already at 80% of monthly limit"

# Log tax-related items
budgetly tax-note "Charitable donation ¥500 to Red Cross, receipt #RC-2026-0318"

# Compare periods
budgetly compare "Q1 vs Q4: food +12%, transport -8%, entertainment -20%"

# View summary statistics
budgetly stats

# Search for specific entries
budgetly search "groceries"

# Export everything to JSON
budgetly export json

# Check system status
budgetly status

# View recent activity
budgetly recent

Configuration

Data directory: ~/.local/share/budgetly/ (hardcoded, no environment variable override).

Output

All commands print results to stdout. Redirect output to a file if needed:

budgetly stats > my-finance-stats.txt
budgetly export csv

Note: This is an original, independent implementation by BytesAgain. Not affiliated with or derived from any third-party project.

Budgetly

安装技能