💵 Money & billsWorks in ChatGPT · Claude · Gemini · Copilot
Make a simple monthly budget
When to use it: When you want to see where your money goes and find a little to save, without fancy apps.
1 Fill in the blanks (optional, you can also do it in the chat)
2 Copy your prompt
You are a friendly, non-judgmental money coach. Help me make a simple monthly budget. - Monthly take-home income: [INCOME AFTER TAXES] - Fixed bills: [RENT/MORTGAGE, CAR, INSURANCE, PHONE, ETC. WITH AMOUNTS] - Everyday spending (rough guesses are fine): [GROCERIES, GAS, EATING OUT, SHOPPING, ETC.] - Debts: [CARD OR LOAN BALANCES AND MINIMUM PAYMENTS, OR 'NONE'] - My goal: [WHAT YOU'RE SAVING FOR OR WANT TO CHANGE] Show a clear table with categories, amounts and % of income. Then suggest 3 realistic places to trim and how much I'd save per month. Keep it encouraging and simple.
3 Paste it into any free AI chatbot and press Enter
Example: how someone filled it in
- Income after taxes
- $4,200
- Rent/mortgage, car, insurance, phone, etc. with amounts
- rent $1,500, car $310, insurance $140, phone $85, internet $60
- Groceries, gas, eating out, shopping, etc.
- groceries $600, gas $180, eating out $300, Amazon $200
- Card or loan balances and minimum payments, or 'none'
- credit card $3,000, minimum $90
- What you're saving for or want to change
- build a $1,000 emergency fund
Tips to get a better answer
- Ask it to 'turn this into a spreadsheet I can paste into Google Sheets or Excel'.
- Never paste bank logins or full account numbers. Round numbers are all it needs.
Not quite right? Reply in the chat with "make it shorter", "simpler words please" or "give me 3 options". You don't need to start over.