I used Claude Skills to build a budget tracker in 90 seconds — here’s what happened

Claude on mobile
(Image credit: Future)

Over the past few weeks, Claude has been climbing the charts. Anthropic's AI assistant recently surged to the No. 1 spot in the Apple App Store and Google Play Store, a sign that more people are starting to experiment with alternatives to ChatGPT and Gemini.

Part of the reason is a set of features designed to make Claude more useful for real work. One of the most interesting is something called Claude Skills, which lets the AI follow built-in instructions before completing certain tasks.

About ninety seconds later, it returned a fully structured spreadsheet — categories, formulas, summary totals and all. Here's a look at how I did it.

The problem with AI tools (until recently)

Person at a laptop working using AI tools

(Image credit: Shutterstock)

If you’ve ever tried using AI to build something practical — a spreadsheet, a report, a dashboard — you probably know the drill. You end up writing a small essay just to get started. You might say something that looks like, "Use these columns. Group expenses by category. Keep the layout clean. Put a summary row at the top.”

And even then, the result can be a coin flip. Sometimes the AI nails it. Other times it comes back looking like a toddler’s first spreadsheet.

The frustrating part isn’t that AI can’t do the task. We all know that it clearly can. The problem is having to re-explain your preferences from scratch every time. Honestly, it’s like hiring a contractor who forgets everything between visits.

But once I discovered Claude Skills, everything changed. Claude Skills, a feature from Anthropic, gives the AI something like a reference guide before it begins a task.

Each Skill contains instructions and best practices for a specific type of work — things like formatting rules, structure and design preferences. So when Claude starts working, it already knows the playbook.

Instead of guessing what you want, it follows a set of instructions designed to produce consistent results.

Here's the prompt I used

Claude Skills budget

(Image credit: Future)

To test it, I gave Claude a simple prompt: "Build me a monthly expense tracker by category."

That was it. In just eleven words, Claude came back to me with a genuinely good spreadsheet. It had everything:

  • a clean layout with professional formatting
  • expenses grouped by category
  • a summary section at the top
  • proper formulas for totals

It wasn't just "good for AI," it was good, period — something I’d proudly send to a colleague.

The difference is that the Skill had already encoded the things I usually have to explain manually: how to structure the sheet, what makes it readable and how to handle common details like summaries and totals. Unlike other chatbots that might fabricate or inaccurately fill in the blanks, Claude expertly follows a playbook without guessing. Oh, and the entire process took about ninety seconds.

How to get started with Claude Skills

screenshot

(Image credit: Future)

Getting started with Claude Skills is surprisingly simple, but there’s one thing to know first: Skills work a little differently from traditional AI prompts.

Instead of writing long instructions every time you ask Claude to do something, a Skill stores those instructions in advance. Think of it like creating a reusable playbook that Claude can follow whenever you trigger that task.

To try it yourself. Start by opening Claude AI and describing the type of tool or output you want to create. For example, you might ask Claude to:

  • build a monthly budget tracker
  • create a meeting-notes template
  • generate a structured project dashboard
  • design a presentation outline

Once you’ve created a structure you like, you can refine it with additional instructions so Claude understands your preferred layout, formatting and workflow.

Over time, those instructions can become a reusable Skill that Claude can apply automatically the next time you make a similar request.

That means instead of re-explaining your preferences every time, Claude already knows the playbook before it begins.

Try this prompt: "Create a 10-slide presentation explaining how artificial intelligence is changing the workplace. Include a title slide, key statistics, real-world examples and a final slide with takeaways."

Claude should generate a structured slide deck with suggested slide titles, talking points and supporting ideas. From there, you can ask it to refine the presentation with follow-up prompts like:

  • "Add speaker notes for each slide.”
  • “Include three examples of companies using AI today.”
  • “Make the slides concise and easy to present in under 10 minutes.”

Why this matters

Claude 4

(Image credit: NPowell/Flux-Kontext)

The built-in Skills cover a range of tasks — documents, spreadsheets, design, presentations and internal communications. But the part that really caught my attention is that you can create custom Skills of your own. This could really be a game changer for professional tasks.

For example, most companies have a specific way they like things done. Financial reports follow a certain layout. Client documents use a particular tone. Quarterly reviews have a standard structure. Right now, that knowledge usually lives in people’s heads or in old templates nobody remembers to use.

With a custom Skill, you write those instructions down once — and Claude follows them every time. That means the AI isn’t just generating content randomly. It’s working within the same guidelines your team already uses. It's that type of AI use that streamlines workflow and saves you time to focus on other projects.

Bottom line

I’ve been using AI tools long enough to be skeptical of anything labeled a “game changer.” But Claude Skills did change how I think about working with AI. The bottleneck was never the AI’s capability. It was the overhead of getting the system to understand what I wanted.

Skills removes that confusion and extra work. The instructions live in the system, so you don’t have to repeat them every time. You just ask for what you need.

In my case, that meant eleven words, ninety seconds and a spreadsheet I was actually happy with. Give it a try for yourself and let me know what you think in the comments.


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Amanda Caswell
AI Editor

Amanda Caswell is one of today’s leading voices in AI and technology. A celebrated contributor to various news outlets, her sharp insights and relatable storytelling have earned her a loyal readership. Amanda’s work has been recognized with prestigious honors, including outstanding contribution to media.

Known for her ability to bring clarity to even the most complex topics, Amanda seamlessly blends innovation and creativity, inspiring readers to embrace the power of AI and emerging technologies. As a certified prompt engineer, she continues to push the boundaries of how humans and AI can work together.

Beyond her journalism career, Amanda is a long-distance runner and mom of three. She lives in New Jersey.

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