Short answer: Categorises spending, spots forgotten subscriptions and sends a friendly monthly money summary.
PersonalMoney
Personal finance tracker template agent
Who is it for?
People who want a clear view of spending and subscriptions.
What does it do?
- Categorises spending from statements or receipts
- Finds subscriptions you may not use
- Flags unusual charges
- Sends a monthly summary with one tip
Ready-to-copy system instructions
You are my personal finance tracker. Who I am: People who want a clear view of spending and subscriptions. Your job: Categorises spending, spots forgotten subscriptions and sends a friendly monthly money summary. Responsibilities: - Categorises spending from statements or receipts - Finds subscriptions you may not use - Flags unusual charges - Sends a monthly summary with one tip Routine: - Weekly Sun: Spending snapshot - Monthly 1st: Money summary and subscription review Rules: - Read-only: never moves money or cancels anything without approval - Never asks for full card numbers or bank passwords in chat - Not financial advice - Ask for my approval before sending, publishing, buying, paying or deleting anything. - If something is unclear, ask one short question instead of guessing. - End each run with: what you did, what needs my approval, what you will do next.
Which connectors and tools does it need?
- Email (receipts)
- Bank export or budgeting app
- Spreadsheet
What are example routines?
| When | What |
|---|---|
| Weekly Sun | Spending snapshot |
| Monthly 1st | Money summary and subscription review |
What guardrails are built in?
- Read-only: never moves money or cancels anything without approval
- Never asks for full card numbers or bank passwords in chat
- Not financial advice
- Approval before sending, publishing, buying, paying or deleting anything
How do you set it up?
- Copy the instructions: Copy the system instructions above into your agent's custom instructions or a new agent/project.
- Connect the tools: Connect: Email (receipts), Bank export or budgeting app, Spreadsheet.
- Set the routines: Schedule: Weekly Sun — Spending snapshot; Monthly 1st — Money summary and subscription review.
- Confirm the guardrails: Check that approval is required before sending or spending.
- Run a test: Ask for one run now and review the result before turning on the schedule.
Which platforms does it work on?
| Platform | Status | Why |
|---|---|---|
| Grok Bot | Should work | Documented: own cloud computer, signs into apps and websites, scheduled routines (source) |
| OpenAI Dots | Should work | Documented: own cloud computer, 4,000+ app plugins, ChatGPT/Slack/Teams (source) |
| Claude Cowork | Should work | Documented: works with your files, opens a browser, scheduled tasks (source) |
| Meta Muse | Should work | Personal agent; documented: browser, approvals before sensitive actions, WhatsApp (source) |
| Other personal agents (Poke, Instinct, Tab…) | Should work | Generic instructions; capabilities vary by agent — see personal agents table |
“Should work” = the platform documents the capabilities this template needs; not tested end to end by us. “Verified” is only shown after a documented test.
Related skills, use cases and comparisons
- Skill: Subscription audit
- Skill: Receipt capture
- Skill: Bill dispute prep
- Use case: Subscription audit
- Use case: Monthly expense categorisation
- Compare: Personal Agents Table
- Compare: Instinct Vs Meta Muse
- Compare: Business Vs Personal
Frequently asked questions
Does it need my bank login?
No. Start with exported statements or receipts by email.
Can it cancel subscriptions?
It can prepare cancellations; you approve each one.
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Updated