budget
Personal Budget (50/30/20) Calculator — Allocate monthly income across needs/wants/savings (50/30/20) and find your surplus or deficit and savings rate.
This record as markdown: /tools/com-wingmanprotocol-agent-gateway/budget.md
What budget does on Gateway
AI agents call budget to retrieve information from Gateway without modifying anything. It is typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.
| Parameter | Type | Required | Description |
|---|---|---|---|
food | number | — | Monthly food/groceries in USD |
other | number | — | Other monthly spending in USD |
housing | number | — | Monthly housing cost (rent/mortgage) in USD |
savings | number | — | Monthly amount saved/invested in USD |
insurance | number | — | Monthly insurance premiums in USD |
utilities | number | — | Monthly utilities in USD |
healthcare | number | — | Monthly healthcare in USD |
debt_payments | number | — | Monthly minimum debt payments in USD |
entertainment | number | — | Monthly entertainment/discretionary in USD |
monthly_income | number | Yes | Monthly take-home income in USD |
transportation | number | — | Monthly transportation in USD |
Parameters from the server's own tool schema.
Why budget is rated Low
This is a personal finance planning and analysis tool. It performs calculations on user-provided income and spending data to categorize expenses and compute metrics (surplus, deficit, savings rate). It reads/processes data and outputs analysis, with no side effects on accounts, systems, or financial instruments.
From the tool's definition Tool is a budget calculator that 'allocate[s] monthly income across needs/wants/savings' and 'find[s] your surplus or deficit and savings rate.' The verbs are analytical (allocate, find) applied to personal financial data, not movement of money.
Risk signalsHigh parameter count (11 properties)
Attacks that exploit this kind of access
The rule that runs budget safely
PolicyLayer is an MCP gateway: it sits between your AI agents and Gateway, and checks every tool call against a rule you set before the call runs. Nothing changes on the server itself. For budget, this is the rule to start with:
budget is read-only, so it stays allowed. Everything else on the server is denied unless you say otherwise.
The button opens the PolicyLayer dashboard: create your workspace, connect Gateway, apply this rule, and every budget call is checked against it from then on.
Questions about budget
Personal Budget (50/30/20) Calculator — Allocate monthly income across needs/wants/savings (50/30/20) and find your surplus or deficit and savings rate. It is categorised as a Read tool in the Gateway MCP Server, which means it retrieves data without modifying state.
budget accepts 11 parameters: food, other, housing, savings, insurance, utilities, healthcare, debt_payments, entertainment, monthly_income, transportation. Required: monthly_income. The full parameter table on this page comes from the server's own tool schema.
Register the Gateway MCP server in PolicyLayer and add a rule for budget: allow, deny, rate-limit, or require approval. Point your MCP client at the PolicyLayer proxy URL and the rule is enforced on every call, before it reaches Gateway. Nothing to install.
budget is a Read tool with low risk. Read-only tools are generally safe to allow by default.
Yes. Add a rate_limit block to the budget rule in your PolicyLayer policy. For example, setting max: 10 and window: 60 limits the tool to 10 calls per minute. Rate limits are tracked per agent session and reset automatically.
Set action: deny in the PolicyLayer policy for budget. The AI agent will receive a policy violation error and cannot call the tool. You can also include a reason field to explain why the tool is blocked.
budget is provided by the Gateway MCP server (https://wingmanprotocol.com/mcp). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.
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