AI skills for Lipi

What it is

Lipi AI skills are a set of ready-made instructions for AI agents. Each skill makes an assistant do one finished job with your real Lipi records, such as a monthly review, a cash flow forecast or a plan to save for a goal. They come in the open-source lipi-expense-tracker plugin and use the Agent Skills format, so they work in Claude Code, Codex, Cursor, GitHub Copilot, OpenCode, Windsurf and others. A ChatGPT plugin package is also published.

What problem it solves

Lipi shows you your numbers. The skills do the thinking you would otherwise do in a spreadsheet: why spending went up, whether you can afford something, which loan to pay off first. They also handle chores such as drafting reminders. You do not need to know which tools to call. You just ask.

How it works

1. Connect an assistant first. See Use Lipi with ChatGPT and Claude. Choose Read only for the review and forecast skills, or Full access for skills that write.

2. Install the skills. In Claude Code run these two commands, one at a time:

   • /plugin marketplace add LipiTechnology/lipi-expense-tracker
   • /plugin install lipi-expense-tracker@lipi

   For other agents run npx skills add LipiTechnology/lipi-expense-tracker, or copy a skill folder into your agent’s skills folder.

3. Ask in plain words. For example “Review my month”, “Can I afford a phone that costs 60,000?” or “Which subscriptions am I wasting money on?” The assistant picks the matching skill. In Claude Code you can also call one by name, such as /lipi-expense-tracker:lipi-monthly-review.

4. Read the answer and approve any change. Skills that write ask before changing anything.

The 14 skills

Skill	What it does
lipi-monthly-review	Totals by bucket, biggest categories, budgets, unusual spending, bills and EMIs due, three suggestions
lipi-spending-explainer	Why spending changed between two periods: more purchases, bigger ones, one-offs or exchange rates
lipi-net-worth-explainer	Why net worth moved: money saved, debt paid, asset values, exchange rates
lipi-cash-flow-forecast	Each account’s balance for the next 30 to 90 days, with a warning on the first day it runs short
lipi-budget-builder	Builds budgets from your real spending and a savings target, then creates them
lipi-savings-goal-plan	Turns a goal and date into a monthly amount and spending trims
lipi-subscription-audit	Finds repeating charges, price rises and duplicates, with yearly cost
lipi-books-cleanup	Finds uncategorised records, duplicates and wrong buckets, fixes them in one reviewed batch
lipi-settle-up	Fewest payments across splits and ledgers, with reminder text
lipi-invoice-follow-up	Sorts unpaid invoices by lateness, drafts a follow-up per client
lipi-loan-schedule	Puts a bank’s real EMI schedule into Lipi from a photo or PDF
lipi-loan-prepayment-planner	Interest and months saved by prepaying, and which loan to clear first
lipi-year-end-pack	Income, tax paid, insurance, loan interest and invoices for your accountant
lipi-log-expenses	Adds expenses, income and transfers from your words, a receipt or a statement

Details and rules

• The skills are free. Your plan limits still apply because they use the same tools as the app. lipi-loan-schedule, and lipi-loan-prepayment-planner need Premium, because bank loans are Premium. lipi-invoice-follow-up works on every plan.
• Skills that write need Full access: lipi-log-expenses, lipi-loan-schedule, lipi-books-cleanup, lipi-budget-builder when creating budgets, and recording settlements in lipi-settle-up.
• Skills use only real Lipi tools and ask before changing data.
• None gives investment or tax advice.
• The plugin is open source under the MIT licence. It collects no data. What the assistant reads goes to that assistant’s provider.
• Outside Claude Code the skills have no lipi-expense-tracker: prefix. Call them by name, such as lipi-monthly-review.

Works with

• Use Lipi with ChatGPT and Claude
• Loan prepayment
• Splits
• Budgets
• Export and backup

Ask an AI assistant

Try “Run my monthly review” (get_overview, get_transaction_summary, get_spending_by_intent), “Will I run short before payday?” (list_recurring, list_scheduled, get_bank_loan and your history), “Read this EMI letter and fix my loan schedule” (set_bank_loan_rows), or “Who owes whom?” (record_split_settlement once you approve a settlement).