Step 01 — Categorize With Any Free AI
🤖 AI Categorization Prompt
Copy this prompt, then open ChatGPT, Claude, Gemini, or any LLM. Upload your bank/credit card CSV file directly into the chat, paste this prompt, and send. Paste the AI's JSON response into Step 2 below.
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💡 Paste only the JSON array from your AI. If your AI returned Python code, analysis text, or anything other than a
[{...}] array — go back and ask it: "Return only the JSON array, no code, no explanation."
Overview · Current Month
Total Income
$0
No data loaded
Total Expenses
$0
Across all categories
Savings Rate
—%
Target: 20%+
Net Cash Flow
$0
Income minus expenses
Spending Breakdown
Expense Distribution
% share of total spending by category
Spending by Category
Absolute dollar amount per bucket
Budget Creator · Monthly Plan vs Actual
Set Your Monthly Budget Targets
Enter expected amounts; actuals populate automatically from your uploaded data.
Budget vs Actual Comparison
Green = under budget · Red = over budget
Transaction Detail
All Transactions
Load your data in Step 2 to see transactions here
Liquidity Health Check · 50/30/20 Rule
Manual Input
Or use values auto-filled from your uploaded data
Diagnostic Results
Enter your figures to run the 50/30/20 analysis.
Foundational Tools
The Chaos-Free Budget Spreadsheet
Our original Google Sheets template with built-in AI auto-categorization using the OpenAI API. Includes budget vs actual, visualizations, and raw data tabs.