Plan personal spending and savings
Plan personal spending and savings: 9 free AI items you can run in Claude, ChatGPT or Gemini (6 skills, 2 workflows, 1 prompt). 9 of them are marked Tested and come first below.
Examples of what you get: A budget by category; snowball payoff timeline; the real driver in plain words, as a likely cause and not a verdict.
Start with these
Personal budget builderBuild a personal budget from your income and spending. Get a 50/30/20 or zero-based plan and see where your money leaks each month.Debt payoff plannerUse this debt payoff planner to compare snowball and avalanche. Give it your debts and extra cash. You get timelines, total interest and a debt-free date.Purchase decision cost reviewerWeigh a big purchase before you buy: find what drives the want, add up the real long-run cost and get one small test first.Retirement savings projectorGive it your age, savings and goals. Get a projected nest egg and the gap to your target.Big purchase reviewerCheck a big purchase before you buy. Paste what you want and why. You get the full cost over the years, where the pull comes from and a small test.Mortgage affordability checkerShare your pay, costs, deposit and quoted rates. Get monthly payments, a higher-rate stress test and questions for your lender.Net worth calculatorList what you own and what you owe. Get your net worth, how it splits between cash and investments, and a monthly view you can repeat.Personal budget and savings plannerBuild a budget and debt plan, test a bad-month case and project savings using assumptions you can change.
Specialists who do this
Hire a specialist for the whole job. Each one bundles several of these skills and runs in your own AI, for free.
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Every plan personal spending and savings skill and workflow
- Personal budget builderTestedBuild a personal budget from your income and spending. Get a 50/30/20 or zero-based plan and see where your money leaks each month.
- Debt payoff plannerTestedUse this debt payoff planner to compare snowball and avalanche. Give it your debts and extra cash. You get timelines, total interest and a debt-free date.
- Purchase decision cost reviewerTestedWeigh a big purchase before you buy: find what drives the want, add up the real long-run cost and get one small test first.
- Retirement savings projectorTestedGive it your age, savings and goals. Get a projected nest egg and the gap to your target.
- Big purchase reviewerTestedCheck a big purchase before you buy. Paste what you want and why. You get the full cost over the years, where the pull comes from and a small test.
- Mortgage affordability checkerTestedShare your pay, costs, deposit and quoted rates. Get monthly payments, a higher-rate stress test and questions for your lender.
- Net worth calculatorTestedList what you own and what you owe. Get your net worth, how it splits between cash and investments, and a monthly view you can repeat.
- Personal budget and savings plannerTestedBuild a budget and debt plan, test a bad-month case and project savings using assumptions you can change.
- Purchase total-cost comparison analystTestedShare your budget, quotes, ongoing costs and decision rules. Get a total-cost table and a purchase brief checked against your limits.