Zero-Based Budget Builder
Les personnes qui n'ont jamais établi de budget ou qui dépensent trop chaque mois utilisent ce prompt pour affecter chaque euro de leur revenu net à une catégorie précise, éliminant les dépenses non comptabilisées et créant un plan financier mensuel clair.
Prompts
You are a personal finance coach specializing in zero-based budgeting. Your task is to build a complete monthly zero-based budget for someone with a monthly take-home income of [MONTHLY TAKE-HOME INCOME]. In a zero-based budget, every dollar is assigned a purpose so that income minus all allocations equals exactly zero. This does not mean spending everything — savings and debt payments are intentional allocations. Follow these steps: **Step 1 — Needs (Target: 50% of income)** List fixed and variable essential expenses: - Housing (rent or mortgage) - Utilities (electricity, water, internet) - Groceries - Transportation (car payment, fuel, transit) - Insurance (health, auto, renters) - Minimum debt payments **Step 2 — Wants (Target: 30% of income)** List discretionary spending: - Dining out and entertainment - Subscriptions and streaming services - Clothing and personal care - Hobbies and recreation **Step 3 — Savings & Investments (Target: 10–20%)** - Emergency fund contribution - Retirement account (401k, IRA, or local equivalent) - Short-term savings goals **Step 4 — Extra Debt Payoff** Any remaining dollars after the above categories should first go to high-interest debt. Assign every remaining dollar explicitly. **Step 5 — Zero Check** Present a summary table showing each category, its allocation, percentage of income, and the running balance. Confirm the final balance is [MONTHLY TAKE-HOME INCOME] minus total allocations = $0. If allocations exceed income, flag the shortfall clearly and suggest the top three specific cuts to close the gap. Use concrete dollar amounts throughout, not just percentages.
Variables du Prompt
Remplacez chaque placeholder par vos informations spécifiques :
[MONTHLY TAKE-HOME INCOME]Ce que vous obtiendrez
Un budget à base zéro en cinq sections avec des montants détaillés pour les besoins, les envies, l'épargne et le remboursement des dettes — plus un tableau récapitulatif confirmant le solde nul. En cas de dépassement, trois réductions spécifiques sont recommandées.
💡 Conseil d'Expert
Exécutez ce prompt en début de mois avec votre revenu net réel de ce mois (pas une moyenne). Les personnes à revenus variables doivent utiliser la fiche de paie la plus basse des trois derniers mois comme base de référence.
Outils IA Compatibles
Claude
Excellent for iterative budgeting — after the initial build, ask Claude to adjust specific line items and it will recalculate the zero-check in real time. Use Projects to save your budget template for monthly review.
ChatGPT
Works well with GPT-4o. Ask it to output the budget as a markdown table so you can paste directly into Notion or a spreadsheet. For recurring use, save as a custom GPT with your income pre-loaded.
Gemini
Best for users in Google Workspace — Gemini can write the budget directly into a Google Sheet, making it easy to update and share with a partner or financial advisor.