Paycheck to Zero-Based Budget Bank Export to Monthly Plan
Pprompt_pro·Oct 13, 2026
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Paste 30-day bank CSV to get zero-based budget, cut list, and debt avalanche order.
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.