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Given a net monthly salary, suggest a personalised spending/savings/investments split and explain the reasoning. Use this skill when the user asks how to divide, allocate, or split their salary, or wants advice on financial apportionment.
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SOC 職業分類に基づく
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| name | apportion-salary |
| description | Given a net monthly salary, suggest a personalised spending/savings/investments split and explain the reasoning. Use this skill when the user asks how to divide, allocate, or split their salary, or wants advice on financial apportionment. |
The user wants to split their net monthly salary across three buckets:
Ask (or infer from the conversation) the following before producing numbers:
If the salary was already provided in the conversation, use it directly — do not ask again.
Start from the 50/30/20 rule as a baseline:
Adjust based on context:
Always ensure the three percentages sum to 100%.
Show a clear table:
| Category | % | Monthly amount |
|---|---|---|
| Day-to-day spending | X% | €Y |
| Savings | X% | €Y |
| Investments | X% | €Y |
| Total | 100% | €salary |
Then add 2–3 sentences of plain-English rationale for the chosen split.
Ask: "Would you like me to update the default splits in the app to match these percentages?"
If yes, edit src/utils/apportion.js — update DEFAULT_SPLITS with the new values. Do not change any other logic.
