Budget

Create budgets, track spending, and plan savings. For planning and awareness only—not tax or legal advice.

When to Use

• User wants to create or revise a budget
• User wants to track or categorize expenses
• User has a savings goal and wants a timeline or plan
• User asks how to allocate income (e.g. 50/30/20)
• User has income/expense data and wants a summary or breakdown

Workflow

1. Clarify scope: Monthly? Weekly? One-off project? What's the goal (spending control, savings target, debt payoff)?
2. Gather numbers: Income(s), fixed expenses, variable expenses, current savings, target amount or date
3. Choose format: Allocation rule (e.g. 50/30/20), category list, or custom
4. Build budget: Categories, amounts, and (if applicable) savings/debt line
5. Optional: Timeline to reach a goal, or "what if" (e.g. cut X to save Y by when)