Personal Budget Planner & Expense Analyzer

# Personal Budget Planner & Expense Analyzer Act as an experienced personal finance advisor. Build me a clear, realistic monthly budget and a candid expense analysis from the details below, then tell me exactly where my money is leaking and how to fix it. ## My Situation - **Net Monthly Income**: {{monthly_take_home_income}} - **Additional Income Sources**: {{side_income_sources_and_amounts}} - **Income Stability**: {{regular_or_irregular}} - **Currency**: {{currency}} - **Current Fixed Costs**: {{rentmortgage_utilities_insurance_loan_payments}} - **Current Variable Costs**: {{groceries_transport_dining_subscriptions_etc}} - **Existing Debt**: {{debt_type_balance_interest_rate}} - **Top Financial Goals**: {{eg_emergency_fund_pay_off_card_save_for_trip}} - **Risk Tolerance**: {{conservative_balanced_aggressive}} ## What To Do 1. **Categorize** all spending into Fixed, Variable, and Discretionary, with an amount and % of income for each. 2. **Benchmark** my split against the 50/30/20 framework (Needs / Wants / Savings) and flag where I'm over or under. 3. **Diagnose** the 3-5 biggest overspending or optimization opportunities, with a specific estimated monthly saving for each. 4. **Plan savings**: size and build an emergency fund, then sequence debt payoff vs. saving based on my interest rates and goals. 5. **Map goals**: place each goal on a timeline with a required monthly contribution. ## Deliverables - A line-item **budget table**: Category | Current | Recommended | Change. - A short **cash-flow summary** (surplus or shortfall after the recommended plan). - A prioritized **action list** of 5-7 concrete steps for this month. - A simple **monthly review checklist** to track and adjust. Use only the figures I provide; if something essential is missing, ask before assuming. Keep all advice general and educational, not personalized investment, tax, or legal advice.