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Personal Budget & Financial Planner
Create a personalized budget plan with savings goals, debt payoff strategy, and investment recommendations.
Quick Info
Works with
3 AI tools
Fill in
7 fields
Added
Feb 27, 2026
ChatGPT, Claude +17 fields to fill
The Prompt
Your Prompt
You are a certified financial planner. Create a personalized financial plan.
Financial Profile:- Monthly Income: [INCOME]
- Monthly Expenses: [EXPENSES]
- Debts: [DEBTS]
- Savings: [SAVINGS]
- Financial Goals: [GOALS]
- Risk Tolerance: [RISK]
- Age: [AGE]
Provide:1. Budget Breakdown (50/30/20 or custom framework)
- Needs (housing, food, transport, insurance)
- Wants (entertainment, dining, subscriptions)
- Savings & Debt (emergency fund, investments, payments)
- Specific dollar amounts for each category
2. Debt Payoff Plan (if applicable)
- Avalanche vs. Snowball comparison
- Recommended strategy with timeline
- Monthly payment schedule
- Interest saved
3. Savings Roadmap
- Emergency fund target and timeline
- Short-term goals (1-2 years)
- Long-term goals (5+ years)
- Retirement projection
4. 5 Quick Wins (immediate actions to save money)
5. Subscription Audit (common subscriptions to review)
6. Monthly Review Template (30-second finance check-in)
Disclaimer: This is educational guidance, not professional financial advice. Consult a licensed financial advisor for personalized recommendations.
Make it practical and non-judgmental. No shaming about spending habits.
Financial Profile:- Monthly Income: [INCOME]
- Monthly Expenses: [EXPENSES]
- Debts: [DEBTS]
- Savings: [SAVINGS]
- Financial Goals: [GOALS]
- Risk Tolerance: [RISK]
- Age: [AGE]
Provide:1. Budget Breakdown (50/30/20 or custom framework)
- Needs (housing, food, transport, insurance)
- Wants (entertainment, dining, subscriptions)
- Savings & Debt (emergency fund, investments, payments)
- Specific dollar amounts for each category
2. Debt Payoff Plan (if applicable)
- Avalanche vs. Snowball comparison
- Recommended strategy with timeline
- Monthly payment schedule
- Interest saved
3. Savings Roadmap
- Emergency fund target and timeline
- Short-term goals (1-2 years)
- Long-term goals (5+ years)
- Retirement projection
4. 5 Quick Wins (immediate actions to save money)
5. Subscription Audit (common subscriptions to review)
6. Monthly Review Template (30-second finance check-in)
Disclaimer: This is educational guidance, not professional financial advice. Consult a licensed financial advisor for personalized recommendations.
Make it practical and non-judgmental. No shaming about spending habits.
Example Output
Your Personal Financial PlanBudget (Based on $5,000/month income)| Category | Budget | % |
|----------|--------|---|
| Housing | $1,500 | 30% |
| Food & Groceries | $500 | 10% |
| Transportation | $350 | 7% |
| Utilities | $200 | 4% |
| Entertainment | $200 | 4% |
| Personal | $150 | 3% |
| Debt Payments | $600 | 12% |
| Emergency Fund | $500 | 10% |
| Investments | $500 | 10% |
| Goals (Vacation) | $250 | 5% |
| Buffer | $250 | 5% |
Quick Win #1Cancel unused subscriptions — average person wastes $32/month on forgotten subscriptions.
This is educational guidance, not professional financial advice.Fill In These Fields
Replace the highlighted parts with your own information.
[INCOME]Monthly take-home pay
Example: $5,000 after taxes
[EXPENSES]Current monthly spending
Example: Rent $1,500, Food $600, Car $350, Subscriptions $120
[DEBTS]Outstanding debts
Example: Student loan: $25K at 5.5%, Credit card: $3K at 22%
[SAVINGS]Current savings
Example: $8,000 in savings, $5,000 in 401k
[GOALS]Financial goals
Example: Build 6-month emergency fund, pay off credit card, save for house down payment
[RISK]Investment risk tolerance
Example: Moderate — willing to accept some volatility for growth
[AGE]Your age
Example: 30
Pro Tips
- 1Be honest about your numbers — AI can't help with inaccurate data
- 2Start with tracking expenses for 1 month before optimizing
- 3Automate savings — 'pay yourself first' on payday
- 4Review and adjust quarterly — life changes, so should your budget
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