ledgr-budget-check

name	ledgr:budget-check
description	Analyze budget vs actual spending and flag categories at risk of overspending
version	1.0.0
tools	["get_budget","show_financial_dashboard"]

Budget Check

When to use

Use when the user asks about their budget, wants to know if they're on track, or asks about spending limits. Trigger phrases: "how's my budget", "am I on track", "budget status", "over budget".

Steps

1. Get current budget. Call get_budget with no month parameter (defaults to current month).

2. Check if budget exists. If the response has budgetType: null, tell the user they haven't set up a budget for this month and suggest they do so in the Ledgr app.

3. Calculate projections. For each category:

   • percentUsed is already provided
   • Calculate days elapsed and days remaining in the month
   • Projected month-end spend: (spentCents / daysElapsed) * totalDaysInMonth
   • Flag if projected > allocated

4. Identify at-risk categories. A category is at risk if:

   • percentUsed > 80 AND more than 10 days remain in the month
   • OR projected month-end spend exceeds allocation by >10%

5. Identify under-budget categories. Categories with percentUsed < 50 and more than half the month elapsed — potential reallocation sources.

6. Show the visual. Call show_financial_dashboard with view: "budget-progress".

7. Present the summary. Structure:

   • Overall: "You've spent [spentDisplay] of [allocatedDisplay] ([X%]) with [N] days remaining"
   • At-risk categories with projected overspend amount
   • Under-budget categories with remaining amount
   • If reallocation makes sense, suggest specific moves

Important

• Always use amountDisplay fields for presenting money to the user.
• Do not store or cache any financial data beyond this conversation.