{"id":1449,"date":"2026-08-23T21:44:45","date_gmt":"2026-08-24T00:44:45","guid":{"rendered":"https:\/\/prompteiro.com\/en\/prompt\/personal-budget-spreadsheet\/"},"modified":"2026-08-23T21:44:46","modified_gmt":"2026-08-24T00:44:46","slug":"personal-budget-spreadsheet","status":"publish","type":"prompt","link":"https:\/\/prompteiro.com\/en\/prompt\/personal-budget-spreadsheet\/","title":{"rendered":"Personal Budget Spreadsheet"},"featured_media":1450,"template":"","meta":{"_titulo_seo":"How to build a budget spreadsheet with AI","_prompt_text":"Act as a financial analyst who builds spreadsheets for ordinary people and knows a spreadsheet is only any use if it gets filled in to the end of the month.\n\nContext: I want to build my budget spreadsheet from scratch. The program I am going to use is [EXCEL OR GOOGLE SHEETS - EG: Google Sheets]. The language of my program is [LANGUAGE OF THE PROGRAM, BECAUSE THE FUNCTION NAMES CHANGE - EG: English]. The people in this account are [WHO SHARES THE INCOME AND THE SPENDING - EG: me and my wife, with two children]. My income comes in [HOW AND WHEN THE MONEY LANDS - EG: a fixed salary on the last working day, plus work on the side that varies every month]. My fixed costs are [LIST THE FIXED ONES, WITH NO AMOUNTS IF YOU PREFER - EG: rent, electricity, water, internet, school and transport]. What I most need to see is [WHAT YOU WANT THE SPREADSHEET TO SHOW YOU - EG: where the card money goes]. My spreadsheet level is [BEGINNER, INTERMEDIATE OR ADVANCED - EG: beginner].\n\nTask: design my whole spreadsheet \u2014 the tabs, the columns, the formulas ready to paste and the filling in routine \u2014 in the order I will build it.\n\nRules:\n1. Start with the list of tabs, with one line saying what each is for. Do not go past four tabs: nobody fills in a ten tab spreadsheet to the thirtieth.\n2. For each tab, write the exact heading of every column, in order, and what gets typed underneath it.\n3. Give me the formulas ready to paste, with the cell range already written and the function names in the language of my program. Say which cell each formula goes in.\n4. Use a closed list of spending categories, written out in full, and set the category up as a list choice and not as free text. A category typed by hand becomes \"food\", \"Food\" and \"groceries\" in the same column, and the total never adds up.\n5. Do not write an amount in any currency in the examples. Show me the cell format and what goes in it, because the numbers are mine.\n6. Build a summary panel on a single tab, with what I need to see in five seconds: what came in, what went out, what is left and the three biggest costs of the month.\n7. Do not give me investment advice, or a promise of a return, or a recommendation of a financial product. This spreadsheet exists so I can see what happens to my money.\n8. Warn me where the spreadsheet usually breaks in the hands of a beginner: text in a cell that should hold a number, a new month opened over the top of the last one, and a formula that does not follow a new row.\n9. Finish with the routine of use: what I fill in daily, what I fill in weekly, what I only look at at the end of the month, and how many minutes each part takes.\n\nFormat of the answer: first the list of tabs; then, tab by tab, a table with the columns \"column\", \"what to type\" and \"example\"; then the block of formulas, each with its destination cell and one line of explanation; then the closed list of categories; and at the end the routine in three blocks, with the time each one takes.","_como_usar":"A budget spreadsheet does not die for want of a formula: it dies on the twelfth, when you no longer know which column the food shop goes in. This prompt designs the whole spreadsheet before you open the program: tabs, columns, formulas ready to paste and the routine. It works in ChatGPT, Claude and Gemini.\n\n1. Say the language of the program. The function names change, and a formula pasted in the wrong language breaks the whole column.\n2. Ask for the closed category list and set up the list choice before the first row. That is the catch that makes the total add up.\n3. Build one tab at a time and test it with three made up entries. Built blind, it gets the formula ranges wrong.\n4. Keep the month in rows, with a date column, instead of a tab per month. The summary panel depends on it.\n5. Fill it in for three days before you change anything. Almost every change that feels urgent on day one is not missed by day three.\n\nTip: ask for the pocket version too, with three columns only \u2014 date, category and amount. Anyone who has never finished a month starts there.","_views":22,"_likes":0,"_nota_sum":0,"_nota_count":0,"_nota_avg":0,"_nota_weight":0,"_i18n_grupo":1908},"macro":[3],"subcategoria":[202],"prompt_tag":[49,988,29],"ferramenta":[13,14,15],"class_list":["post-1449","prompt","type-prompt","status-publish","has-post-thumbnail","hentry","macro-text","subcategoria-personal-finance","prompt_tag-organization","prompt_tag-personal-budget","prompt_tag-saving-money","ferramenta-chatgpt","ferramenta-claude","ferramenta-gemini"],"_links":{"self":[{"href":"https:\/\/prompteiro.com\/en\/wp-json\/wp\/v2\/prompt\/1449","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/prompteiro.com\/en\/wp-json\/wp\/v2\/prompt"}],"about":[{"href":"https:\/\/prompteiro.com\/en\/wp-json\/wp\/v2\/types\/prompt"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/prompteiro.com\/en\/wp-json\/wp\/v2\/media\/1450"}],"wp:attachment":[{"href":"https:\/\/prompteiro.com\/en\/wp-json\/wp\/v2\/media?parent=1449"}],"wp:term":[{"taxonomy":"macro","embeddable":true,"href":"https:\/\/prompteiro.com\/en\/wp-json\/wp\/v2\/macro?post=1449"},{"taxonomy":"subcategoria","embeddable":true,"href":"https:\/\/prompteiro.com\/en\/wp-json\/wp\/v2\/subcategoria?post=1449"},{"taxonomy":"prompt_tag","embeddable":true,"href":"https:\/\/prompteiro.com\/en\/wp-json\/wp\/v2\/prompt_tag?post=1449"},{"taxonomy":"ferramenta","embeddable":true,"href":"https:\/\/prompteiro.com\/en\/wp-json\/wp\/v2\/ferramenta?post=1449"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}