{"product_id":"budget-variance-analyzer","title":"Budget Variance Analyzer","description":"\u003cdiv\u003eTransforms actual vs. budget figures into board-ready variance commentary — categorizing each variance by root cause (volume, price, timing, one-time, structural), quantifying drivers, flagging material items, and recommending management actions. Use when preparing monthly or quarterly variance analysis, writing FP\u0026amp;A commentary, explaining budget-to-actual gaps, or building the narrative for a management review deck.\u003c\/div\u003e\u003cdiv\u003e\u003c\/div\u003e\u003cdiv\u003e\u003cem\u003eThis skill is delivered as a \u003ccode\u003e.zip\u003c\/code\u003e archive containing the skill in a named folder, matching the Anthropic SKILL.md format. Extract directly into your Claude Code skills directory (\u003ccode\u003e~\/.claude\/skills\/\u003c\/code\u003e) to install — or open and paste the contents into Claude.ai, ChatGPT, or any other AI tool.\u003c\/em\u003e\u003c\/div\u003e","brand":"penguin tree ai","offers":[{"title":"Default Title","offer_id":52471399973166,"sku":"budget-variance-analyzer","price":5.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0982\/4203\/6014\/files\/budget-variance-analyzer_362d2c23-0b6d-4845-b6ac-ac296b645ef6.png?v=1787001787","url":"https:\/\/penguintree.ai\/products\/budget-variance-analyzer","provider":"penguin tree ai","version":"1.0","type":"link"}