The Personal Budget & Spending Sanity Gate is an adversarial reviewer for a personal budget or monthly spending plan you provide as a file or pasted text. It does not write or optimize your budget and it gives no financial, investment, tax, or debt advice. It runs five narrow passes — arithmetic, completeness, realism, consistency, and livability — and returns a PASS / REVISE / HOLD verdict with the specific lines that do not reconcile, the categories that look missing, and the figures worth confirming.
It is built for anyone drafting or updating a budget who wants a second set of eyes before they commit: catching the total that was never re-added, the category quietly left out, or the savings goal with no money behind it. It reads only the plan you give it, knows nothing of your real accounts, and hands every decision back to you.