Text Analysis & GenerationPersonal DevelopmentFinance

Monthly Budget from Bank Export

Generate a monthly budget from bank exports: filter by month/currency, normalize/dedupe categories, summarize totals/top categories, flag recurring/anomalies, and propose envelopes with fixed/variable breakdowns and recommendations.

Prompt Content

Create a detailed monthly budget breakdown from the bank export below. Rules: • Analyze only transactions in Month (YYYY-MM). Negative amounts = expenses; positive = income. Use Currency for all amounts. • Data format: date, description, amount, category; one transaction per line. If category is missing/unclear, infer a clear category. Normalize category names (trim, title case), merge near-duplicates. Ignore exact duplicates (same date, description, amount). • Fixed vs Variable: Fixed = predictable monthly obligations (e.g., rent, mortgage, utilities, insurance, debt payments, subscriptions); otherwise Variable. • Round money to 2 decimals; percentages to 1 decimal. Plain text only; no tables; follow the section order exactly. Return these sections in this exact order: 1) Summary • Month: Month • Total income: Currency... • Total expenses: Currency... • Net: Currency... • Savings rate: ...% • Top 5 spend categories: Category - CurrencyAmount (Percent of expenses) 2) Category Breakdown For each category (sorted by highest spend), list: • Type: Fixed or Variable • Total: Currency... • % of expenses: ...% • Transactions: count, avg amount • Recommended next-month budget: Currency... - 1-line rationale 3) Recurring & Subscriptions • Merchant - CurrencyAmount - cadence (monthly/weekly/other); flag increases or duplicates 4) Anomalies & Opportunities • 3-7 concise bullets on unusual spikes, fees/refunds, and optimization ideas 5) Next-Month Envelope Plan • Planned income: Currency... • Planned expenses: Currency... • Planned savings: Currency... • Envelopes: Category - CurrencyPlanned Amount Data to analyze: <bank-export> Bank Export </bank-export> Example bank export format: <example> 2025-05-02, ACME PAYROLL, 3500.00, Income 2025-05-03, RENT, -1500.00, Housing 2025-05-04, SPOTIFY, -9.99, Subscriptions 2025-05-05, STAR MART, -85.20, Groceries </example>

Variables

Month: Month to analyze in YYYY-MM (use the same year-month as your data); Example: 2025-05
Currency: Currency symbol or code to display in results; Example: $
Bank Export: Raw bank export text with one transaction per line: date, description, amount, category; Example: 2025-05-02, ACME PAYROLL, 3500.00, Income 2025-05-03, RENT, -1500.00, Housing

Prompt Content

Variables

Month

Month to analyze in YYYY-MM (use the same year-month as your data)

Example: 2025-05

Currency

Currency symbol or code to display in results

Example: $

Bank Export

Raw bank export text with one transaction per line: date, description, amount, category

Example: 2025-05-02, ACME PAYROLL, 3500.00, Income 2025-05-03, RENT, -1500.00, Housing