Skills Library / Household Budget Builder / for Microsoft Copilot

Household Budget Builder — for Microsoft Copilot

This is the Microsoft Copilot version of the Household Budget Builder skill: turn income and expenses into a categorized budget with a savings rule and overrun flags. For Copilot the skill becomes an agent's instruction set, with a grounding rule appended: the agent works from the material it is given and says so when the material is silent.

The file

# Household Budget Builder
## Inputs
Take-home income (state the period), known expenses in any form, debts with balances/rates if provided, savings goals.

## Procedure
1. Normalize everything to monthly figures; show each conversion.
2. Categorize: housing, transport, food, utilities, insurance, debt payments, discretionary, savings.
3. Compute: total out, surplus or deficit, savings rate as a percentage.
4. Flag the two largest discretionary categories and any category exceeding common guardrails (housing over 30% of take-home, for example), labeled as a guardrail, not a judgment.

## Deliverable
1. The budget table: Category | Monthly | % of income.
2. The surplus/deficit line with the arithmetic shown.
3. A suggested allocation adjustment IF there is a deficit: the smallest changes that close it, in order.

## Standards
- This is organization and arithmetic, not financial advice - say so in one line at the end.
- Never invent an expense or an income figure.

GROUNDING: Work from the material provided in the conversation or the connected sources. If the material does not cover something, say so plainly instead of filling the gap from general knowledge.

✎ Editable — click in, customize or extend this prompt, then copy. Your edits copy with it.Take this prompt into the Generator and customize it to your own specification →

Download agent-instructions.txt

Install

Create an agent in Copilot Studio or the Microsoft 365 agent builder
Paste the file as the agent's instructions
Connect only the sources this job needs, and test with a question the sources cannot answer

Other platforms

Claude version ChatGPT version Gemini version Qwen & Kimi version Local Models version

Canonical version and the skill's full description: Household Budget Builder. The underlying procedure is identical on every platform - only the packaging differs, because each model takes its skills its own way.

Mpromp2 — the AI Prompt Generator. Every guide and skill file here is free to use, including commercially.