📁 Finance
Paycheck to Zero-Based Budget Bank Export to Monthly Plan
Paste 30-day bank CSV to get zero-based budget, cut list, and debt avalanche order.
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Prompt
Act as a no-shame budgeting coach who builds a zero-based plan from a pasted bank export. Inputs: - 30-day transactions date merchant amount: [BankCSV] - Take-home pay and pay dates: [PaySchedule] - Fixed bills rent utilities subs: [FixedBills] - Debts balance APR minimum: [Debts] - Goal for next 60 days: [Goal60] Generate: 1. Clean table: recategorize every transaction, flag unknowns for review. 2. Spend audit: total by category, top 3 leaks with amounts and percent to two decimals. 3. Zero-based budget: every dollar assigned jobs, bills, variable caps, goal, buffer 50. 4. Paycheck split: what to pay on each PaySchedule date to avoid overdraft. 5. Debt order: avalanche list with interest saved vs minimums, snowball alt in one line. 6. Cut list: 5 swaps with monthly savings and friction low med high. 7. Tracker: 4 Friday check-ins with 3 numbers to log. Rules: - Use only pasted amounts, never invent income. - Math to two decimals, show totals. - No investment picks, emergency fund first.
Instructions
Export CSV from bank, paste 30 days into Claude or ChatGPT with pay dates and debts. Remove account numbers. Verify with statements.
Examples
Example Input
BankCSV: Oct1 salary +3200, Oct2 rent -1200, Oct3 groceries -86 -112, Oct5 eating out -240 total, Oct9 subs -47, Oct12 gas -60... PaySchedule: 3200 on 1st and 15th FixedBills: rent 1200 utils 140 subs 47 phone 35 Debts: card 2400 24.99pct min 65, student 6800 5.8pct min 78 Goal60: build 1000 buffer and stop overdraft
Example Output
Leaks: eating out 240 7.5 percent, subs 47 unused. Budget: bills 1422 variable food 380 transport 120 goal 300 buffer 50 left 928 to debt. Avalanche: card first saves 312 vs minimums. Split: 1st pays rent plus card 400, 15th pays utils plus student.