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This one works with Balance Tracker and just lets you quickly subtract from your balance without the additional options, for a quicker experience when out and about.
How to use
Run the shortcut.
It will show you your current "balance" (the value that you saved the last time you ran the shortcut.) Then it will ask how much you want to subtract.
It will do the math and show you the result. Then it will save your new balance for next time.
How it works
Both shortcuts reference the same text file that will be stored in your iPhone's iCloud file storage app.
First this shortcut asks you how much you would like to subtract.
Then it gets the text in that file and finds the last stored value.
It subtracts the amount you want to subtract and tells you the result