Text Analysis & GenerationProductivityPlanningFinance

Formulate a Simple Budget

Create a monthly budget from given income, expenses, and savings; normalize amounts, compute percentages, suggest cuts, and output allocations, totals, and a shortfall-balanced revision.

Prompt Content

Create a simple monthly budget from the provided income sources, fixed and variable expenses, and savings goals. • Use the same currency; round to whole units. • Normalize to monthly (weekly×4.33, biweekly×2.17, annual÷12); convert % goals from total income. • Use only categories given; add "Buffer/Misc" only if there is a surplus (max 5% of income). • If income < essential fixed expenses, do not cut fixed bills; reduce variable expenses first, then scale savings. • Output only the sections below; no extra commentary. 1) Parse <income-sources> Income Sources </income-sources> , <fixed-and-variable-expenses> Fixed And Variable Expenses </fixed-and-variable-expenses> , <savings-goals> Savings Goals </savings-goals> . 2) Calculate totals and each category's % of income. 3) Allocate amounts; adjust to avoid a negative net as per rules. 4) If shortfall, also produce a Balanced Revision with adjusted Variable Expenses and Savings/Goals (up to 3 cut suggestions). 5) Present results exactly in this format: SUMMARY • Total Income: [amount] • Fixed Expenses: [amount] • Variable Expenses: [amount] • Savings/Goals: [amount] • Net: [amount] (Surplus/Shortfall) ALLOCATIONS Income • [source] - [amount] Fixed Expenses • [item] - [amount] Variable Expenses • [item] - [amount] Savings/Goals • [goal] - [amount] ([% of income]) PERCENT OF INCOME • Fixed: [%] • Variable: [%] • Savings/Goals: [%] RECOMMENDATIONS (max 3) • [actionable tip] • [actionable tip] • [actionable tip] Balanced Revision (only if shortfall) • Updated Variable Expenses: [items and amounts] • Updated Savings/Goals: [items and amounts] • Updated Net: [amount] <example> SUMMARY • Total Income: 4,500 • Fixed Expenses: 2,350 • Variable Expenses: 1,100 • Savings/Goals: 600 • Net: 450 (Surplus) ALLOCATIONS Income • Salary - 4,000 • Freelance - 500 Fixed Expenses • Rent - 1,600 • Utilities - 200 • Insurance - 150 • Loan - 400 Variable Expenses • Groceries - 500 • Transport - 200 • Dining - 200 • Entertainment - 200 Savings/Goals • Emergency Fund - 300 (6.7%) • Retirement - 300 (6.7%) PERCENT OF INCOME • Fixed: 52.2% • Variable: 24.4% • Savings/Goals: 13.3% RECOMMENDATIONS (max 3) • Automate transfers on payday. • Cap dining at 180/month. • Increase emergency fund after loan payoff. </example>

Variables

Income Sources: List each income source with amount and frequency if not monthly.; Example: Salary (post-tax) 3,800/mo; Freelance avg 500/mo; Child benefit 200/mo
Fixed And Variable Expenses: List fixed expenses and variable expenses with monthly amounts.; Example: Fixed: Rent 1,600; Utilities 200; Insurance 150; Loan 400. Variable: Groceries 500; Transport 200; Dining 200; Entertainment 200
Savings Goals: List savings goals with monthly amount or % of income and optional priority.; Example: Emergency fund 300/mo (high); Retirement 10%; Vacation 100/mo (low)

Prompt Content

Variables

Income Sources

List each income source with amount and frequency if not monthly.

Example: Salary (post-tax) 3,800/mo; Freelance avg 500/mo; Child benefit 200/mo

Fixed And Variable Expenses

List fixed expenses and variable expenses with monthly amounts.

Example: Fixed: Rent 1,600; Utilities 200; Insurance 150; Loan 400. Variable: Groceries 500; Transport 200; Dining 200; Entertainment 200

Savings Goals

List savings goals with monthly amount or % of income and optional priority.

Example: Emergency fund 300/mo (high); Retirement 10%; Vacation 100/mo (low)