Personal Finance and Budget Planner for Clear Monthly Decisions

See exactly what to spend, save, and pay this month with math you can trust.

Quick facts

• Get a monthly plan with verified totals, due dates, and clear next steps.
• Catches conflicting inputs and highlights fixes before you commit.
• Turn surplus into funded goals and faster debt payoff with simple targets.
• Works in your preferred assistant, including Gemini Ai or Claude Ai.

What you get

• Cash flow summary that shows the math for income, bills, and balance
• Line item budget with suggested ranges for housing, food, transport, and more
• Emergency fund target with a month by month timeline to full funding
• Debt strategy comparing snowball and avalanche with a clear recommendation
• Savings and investing plan that factors employer match and high yield accounts
• 3 month and 12 month projections with milestones you can track
• Three focused action items to complete this month

How it works

1. Paste the input block and replace the demo numbers with your own.
2. Let the assistant validate your data or proceed with careful assumptions.
3. Review a numbered plan with labeled lines, equations, and balanced totals.
4. Test what if scenarios, then follow the checklist and update monthly.

[currency_symbol] [take_home_income] [fixed_bills_list] [variable_spend_estimates] [debts_with_rates_and_min_payments] [employer_match_percent] [high_yield_apr] [goal_savings] [emergency_fund_months] [timeline_priority]

Build a monthly budget and payoff plan using these numbers, show equations for each total, flag missing items, compare snowball and avalanche, set an emergency fund timeline, and give three actions for this month.

Who it is for

• Busy professionals who want a plan they can follow today
• Families that need a clear view of cash flow and priorities
• Side hustlers who want to direct surplus to goals with confidence

Ready to make a confident decision. Get clear insights and move faster with a description that respects your time.