SKILL/TREE

Claude skills for Personal Finance.

4 skills built for personal finance workflows. Each one installs in a single command and works in Claude and ChatGPT.

Personal finance is mostly a math and tracking problem — you know what you *should* be doing, you just need the numbers laid out clearly enough to act on them. These skills for Claude and ChatGPT handle two of the most high-value calculations most people are either eyeballing or ignoring entirely: savings goal planning and mortgage payoff math.

Right now there are 2 skills live in this category. The Sinking Funds Tracker & Multi-Goal Savings Dashboard is for anyone juggling multiple savings targets at once — vacation fund, new car, emergency buffer — who wants projected hit dates and what-if scenarios without paying for a budgeting app subscription. The Mortgage Amortization & Extra Payment Calculator is for homeowners who've thought "what if I threw an extra $200/month at the principal" but never actually run the numbers — it spits out a full amortization schedule and shows you exactly how many months and dollars you save across three scenarios. Both skills work by pasting in your own numbers and getting a structured, readable output in return. Browse the catalog below to see which one fits what you're working through right now.

Personal Finance

Debt Snowball vs Avalanche Comparison Dashboard

Enter your debts + extra payment. Get a snowball vs avalanche dashboard with payoff dates, total interest, and a recommendation.

Debt snowball vs avalanche comparison dashboard
$3.99
Personal Finance
Pro

FIRE Projection Dashboard with Coast FI Age

Age, invested assets, monthly savings, target spend in — FI date, Coast FI age, lean/regular/fat scenarios, and Monte Carlo out.

FIRE projection dashboard with Coast FI age
$9.99
Personal Finance

Sinking Funds Tracker & Multi-Goal Savings Dashboard

Paste your savings goals + monthly amounts → sinking funds dashboard with projected hit dates and what-if scenarios. No YNAB required.

Sinking funds tracker with multiple savings goals
$3.99
Personal Finance

Mortgage Amortization & Extra Payment Calculator

Paste your loan → amortization schedule + 3 scenarios showing what extra $100-$500/mo actually saves.

Mortgage amortization with extra payment calculator
$3.99

Frequently asked about Personal Finance

Can I use these personal finance skills in ChatGPT or only Claude?
Both skills are designed to work with Claude, but the underlying prompts are portable enough that you can paste them into ChatGPT and get comparable results. Claude tends to handle the structured table output — like the amortization schedule in the Mortgage Amortization & Extra Payment Calculator — more cleanly, so that's the recommended starting point.
Which skill should I start with if I'm trying to pay off my mortgage faster?
Go straight to the Mortgage Amortization & Extra Payment Calculator. You paste in your loan balance, interest rate, remaining term, and current monthly payment, and it builds out a full amortization schedule plus three payoff scenarios showing exactly what an extra $100, $200, or $500/month does to your total interest and payoff date. Most people are surprised how much even $100/month changes the outcome.
How is the Sinking Funds Tracker different from just using a spreadsheet?
The Sinking Funds Tracker & Multi-Goal Savings Dashboard does the work a spreadsheet requires you to set up first — projected hit dates per goal, priority ranking, and what-if scenarios (like "what if I shift $50/month from vacation to car repair"). You paste in your goals and monthly contributions and get the dashboard back immediately. It's useful if you have more than two or three savings targets competing for the same pool of money.
Do these skills store my financial data anywhere?
No. These skills are prompts that run inside Claude or ChatGPT — your numbers exist only in that chat session and are gone when you close it. Nothing is stored on Skill Tree's side. You're essentially handing your data directly to Claude or OpenAI the same way you would any other conversation.
Are there skills here for budgeting categories, investing, or debt payoff besides mortgages?
Not yet — the category currently has 2 skills focused on savings goal tracking and mortgage payoff math. If you're looking for debt snowball calculators or investment projection tools, those aren't live in the catalog yet, but checking back is worthwhile as the category grows.
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