Family Budget Planner

Create a family budget plan based on the following information:

Monthly Take-Home Income: ${{monthly_income}} Family Size: {{family_size}} people Location: {{location}} (city/region, affects cost of living guidance) Fixed Monthly Expenses: {{fixed_expenses}}

Current Variable Spending (estimate): {{variable_spending}}

Financial Goals: {{goals}} (e.g., build emergency fund, pay off debt, save for vacation, invest for retirement)

Output:

1. Budget Allocation — recommended split using 50/30/20 or customized rule
2. Category Breakdown — recommended amounts for each spending category
3. Current vs Recommended — where you're over/under budget
4. 3 Quick Wins — immediate changes with the biggest impact
5. 6-Month Goal Timeline — concrete milestones for each goal
6. Savings Auto-Transfer Plan — what to automate and when