Turns your income and expenses into a simple monthly budget with limits per category and a monthly review.
2. Your prompt
3. Put it in your calendar
Review the monthly budget
Tested. Tested with Claude Sonnet 5.5 on 22 October 2026 on a realistic case and refined after testing.
Need a whole job already solved?
Kits put several prompts in sequence, with checks and a real example result.
Real example result
The test case (fictional people and companies)
Alex Moreno (invented) takes home $3,850 a month, pays rent, a car loan and a student loan, and wants to build a $1,000 emergency fund by spring without giving up all eating out.
What the AI answered
I checked your numbers and they add up, so I can go ahead. The one thing not stated is the exact deadline for "spring" (how many months you have), so at the end I show what the plan means for different timelines, and you can tell me if you want it adjusted.
## 1. Your budget
Monthly income after tax: **$3,850**
| Category | Amount | Share of income |
|---|---|---|
| Rent | $1,450 | 37.7% |
| Car payment | $320 | 8.3% |
| Car insurance | $140 | 3.6% |
| Phone | $65 | 1.7% |
| Internet | $60 | 1.6% |
| Student loan | $210 | 5.5% |
| **Fixed costs total** | **$2,245** | **58.3%** |
| Groceries | $450 | 11.7% |
| Gas | $160 | 4.2% |
| Eating out | $250 | 6.5% |
[…]
Real answer from the test of 22 October 2026 with Claude Sonnet 5.5, untouched.
Frequently asked questions
What is this prompt for?
Turns your income and expenses into a simple monthly budget with limits per category and a monthly review.
What do I need to prepare?
It asks you for: monthly income after tax, fixed costs (rent, bills, loans), usual variable spending, goal for the month.
Which AI tools does it work with?
It works with ChatGPT, Claude and Gemini: fill it in here, copy it and open it in the chat you prefer. It was tested with Claude Sonnet 5.5 on 22 October 2026.