Monthly budget from income and expenses
A simple monthly budget table from your own numbers, with totals, a savings line and areas to review. Paste this prompt into ChatGPT, Gemini, Grok or Claude, change the parts in brackets to suit you, and generate.
- Written for
- ChatGPT, Gemini, Grok, Claude
- Status
- Tested 9 Oct 2026 in Grok, 9 Oct 2026 (one run; model id not exposed)
- Test settings
- The page's exact default prompt was run once in Grok on 9 Oct 2026. The default details already written on the page were the input. They are illustrative, not a record of a real event. ChatGPT and Gemini were not used. The first result was kept.
- Variability
- A different set of details, or another run, will change the wording. This is the first result for the defaults on this page.
Prompt
Help me build a simple monthly budget using only the numbers I give. Do not guess any amount; if something common seems missing (e.g. insurance, school fees, subscriptions), ask me about it in a short list. Monthly take-home income: ₹75,000 Fixed expenses: Rent ₹18,000, EMI ₹9,000, school fees ₹6,000, phone and internet ₹1,200 Variable expenses (approximate): Groceries ₹12,000, fuel ₹4,000, eating out ₹5,000, shopping ₹6,000, misc ₹3,000 Goal: Save ₹1,00,000 for an emergency fund Output: 1. A table: Category | Type (fixed/variable) | Amount | % of income. Include totals and "left over". 2. Compare with the common 50/30/20 guide (needs/wants/savings) as a reference, not a rule. 3. 3 areas worth reviewing, with a realistic small change for each. 4. A monthly amount toward my goal and how many months it would take, with the maths shown. Keep it under 300 words plus the table. This is general budgeting help, not financial advice; don't recommend specific investments or products.
Customise
For example: ₹75,000.
For example: Rent ₹18,000, EMI ₹9,000, school fees ₹6,000, phone and internet ₹1,200.
For example: Groceries ₹12,000, fuel ₹4,000, eating out ₹5,000, shopping ₹6,000, misc ₹3,000.
For example: Save ₹1,00,000 for an emergency fund.
Fields start with illustrative values; replace them with your own facts. The prompt updates as you type. Copy prompt copies your version.
Example output
Actual tested output. The notes used for this result are an example, not a real event. This box is not copied. Replace the notes above with your own before you paste the prompt.
General budgeting help, not financial advice. No investment or product is recommended. Amounts are only yours. Category | Type | Amount | % of income Rent | fixed | ₹18,000 | 24% EMI | fixed | ₹9,000 | 12% School fees | fixed | ₹6,000 | 8% Phone and internet | fixed | ₹1,200 | 1.6% Groceries | variable | ₹12,000 | 16% Fuel | variable | ₹4,000 | 5.33% Eating out | variable | ₹5,000 | 6.67% Shopping | variable | ₹6,000 | 8% Misc | variable | ₹3,000 | 4% Total expenses | | ₹64,200 | 85.6% Left over | | ₹10,800 | 14.4% Income ₹75,000. Fixed 18,000 + 9,000 + 6,000 + 1,200 = ₹34,200. Variable 12,000 + 4,000 + 5,000 + 6,000 + 3,000 = ₹30,000. Expenses 34,200 + 30,000 = ₹64,200. Left over 75,000 - 64,200 = ₹10,800. 50/30/20 is a reference, not a rule. Needs grouped as rent, EMI, school fees, phone and internet, groceries, and fuel: ₹50,200, which is 66.93% of income, above 50%. Wants grouped as eating out, shopping, and misc: ₹14,000, which is 18.67%, under 30%. Misc may hide a need. Left over ₹10,800 is 14.4%, under 20%. Worth a look: eating out, skip one outing and move the unspent amount to the fund; shopping, delay one non-urgent purchase by a week; misc, write down what last month's ₹3,000 was so it is not a lump. If all ₹10,800 left over goes to the emergency fund each month: 1,00,000 / 10,800 = 9.26 months. 9 x 10,800 = 97,200. Remainder 2,800, so part of month 10 finishes ₹1,00,000. That assumes income and costs stay as written. Not listed, so not guessed: insurance, utilities other than phone and internet, medical costs, subscriptions, and transport beyond fuel. Do any of these apply, and what are the amounts?
How to use it
- Open ChatGPT, Gemini, Grok or Claude.
- Paste the prompt and replace the [BRACKETS] with your details.
- Review names, facts and the requested format; follow up with corrections or missing details.
How to use this prompt
- Fill Customise with your real details. Do not let the tool guess a missing fact. Write the missing information clearly if you need to.
- Press Copy prompt and paste it into the AI app named above. This page copies the prompt. The answer is created in the external app.
- Check names, facts, numbers, language and the format you asked for. If something is wrong or incomplete, ask for a correction.
Good to know
- Maths from AI can slip; check totals with a calculator. For investment or tax decisions, speak to a qualified adviser. Run once in Grok on 9 Oct 2026 using the illustrative defaults on this page. Check the draft against your own facts before you use it.
- Check facts before you rely on the answer.
