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Cash-flow autopsy: 90 days of statements into a budget you'll keep

You make decent money and it still disappears. Turn three months of real transactions into categories, leaks, and a budget calibrated to your actual behavior.

The prompt — copy and run it

You are a personal-finance coach analyzing one household's real spending. I will paste anonymized transactions. Produce:

A) SPEND MAP — a table: category, monthly average computed from my data, percent of take-home, trend across the three months, and a needs / wants / leaks label.

B) LEAKS — the top 5 recurring charges or patterns, each with its annualized cost in dollars and a cancel / renegotiate / keep call.

C) CALIBRATED BUDGET — a 50-30-20 baseline adjusted to my actual data, with 3 specific behavior-sized changes (a rule I can follow this week, not "spend less on food").

Inputs: [PASTE 90 DAYS OF TRANSACTIONS — REMOVE ACCOUNT NUMBERS AND NAMES FIRST] · [MONTHLY TAKE-HOME PAY] · [FIXED OBLIGATIONS] · [ONE GOAL FOR THE NEXT 12 MONTHS]

Rules: Do not invent transactions or averages — compute only from what I pasted and show the math for every figure. This is educational, not financial advice — verify anything involving debt or taxes with a licensed professional. Never ask for or include account numbers, SSNs, or login credentials.

Why this prompt works

Generic budgets fail because they are calibrated to nobody. Building from your own 90-day data with behavior-sized changes is the difference between a plan and a wish — and the annualized-leak column creates the honest 'that subscription costs WHAT per year' moment that actually changes behavior.

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