Budget Creator

Create a monthly operating budget for my [BUSINESS TYPE].

Current financials:
- Monthly revenue (average): [AMOUNT]
- Monthly revenue (range): [LOW] to [HIGH]

Current expenses (list everything):
- [CATEGORY 1]: [AMOUNT]
- [CATEGORY 2]: [AMOUNT]
- [CATEGORY 3]: [AMOUNT]
- [ADD ALL CATEGORIES]

Upcoming planned expenses:
- [PLANNED EXPENSE 1]: [AMOUNT AND TIMING]
- [PLANNED EXPENSE 2]: [AMOUNT AND TIMING]

Goals:
- Profit margin target: [PERCENTAGE]
- Savings/reserve target: [AMOUNT OR PERCENTAGE]
- Owner compensation target: [AMOUNT]

Create:
1. Monthly budget template with all categories
2. Recommended allocation percentages (revenue splits for
   expenses, profit, taxes, owner pay, reinvestment)
3. Fixed vs. variable expense breakdown
4. Where I'm overspending based on industry benchmarks
5. Where I'm underinvesting
6. Emergency fund recommendation
7. Tax set-aside recommendation
8. Monthly budget review checklist

Format as a simple table I can update each month.
Flag any areas where my spending seems out of line.