Everyday AI · Daily life
Track bills and income for this month
Do you want one place to see income received, bills paid, what is still due and how much is left?
Listen to this guide
AI narration · English · Prompt text stays on the page
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What you will make
A reusable monthly tracker that shows income received, expenses paid, unpaid bills and the money left.
What you need
A short private list of income, expenses, due dates and payment status. You can begin with the fictional sample rows instead of real figures.
Before you start
Choose Google Sheets or Notion. A statement can help, but the tracker usually needs only selected transaction rows or totals. If you use one, make a redacted copy first and hide your name, address, account and customer numbers, QR codes, barcodes, transaction references, and any balance or transaction that is not needed.
What to do
- Choose Google Sheets if you want automatic totals, or Notion if you prefer a clean database with separate views. Both can hold the same information.
- Write a private list of your income, regular expenses and due dates. Use broad payment labels such as Cash, Bank or GCash. Leave out account numbers, card numbers, PINs, passwords and one-time passwords.
- Paste the prompt below into ChatGPT, Claude or Gemini. Ask it to build the structure for your chosen tool, then copy the result into a new sheet or Notion database.
- Test the tracker with the five fictional sample rows first. Check that received income, paid expenses, unpaid bills and the remaining amount are calculated correctly.
- Replace the examples with your own figures. Update the status when money is received or a bill is paid, and review the tracker once a week.
Try this prompt
Replace [Google Sheets or Notion] and [month year]. The test rows and formulas are already in the prompt. Check the six totals, then replace the test rows with your own.
Turn my confirmed income and bills for this month into a transparent cash-flow tracker. Do not invent missing money or dates.
MONTH
[MONTH YEAR]
Starting cash/balance I want included: ₱[AMOUNT / DO NOT INCLUDE]
INCOME
[DATE / EXPECTED DATE] | [SOURCE LABEL] | ₱[AMOUNT] | [RECEIVED / EXPECTED]
BILLS/EXPENSES
[DUE DATE / TO CONFIRM] | [ITEM] | ₱[AMOUNT] | [PAID / UNPAID / TO CONFIRM]
RULES
- Keep received income separate from expected income.
- Keep paid expenses separate from unpaid/upcoming expenses.
- Do not invent payday dates, bills, fees, interest, late penalties or future income.
- Do not count transfers between my own accounts as new income if I label them transfers.
- Flag duplicate-looking entries instead of deleting them.
- Missing amount/date = To confirm; exclude unknown amounts from totals rather than treating them as zero.
OUTPUT
1. Clean transaction table.
2. Confirmed cash in.
3. Confirmed cash out.
4. Expected income separately.
5. Upcoming unpaid bills separately.
6. Current confirmed balance from supplied figures.
7. Projected balance only from explicitly expected income and known upcoming bills.
8. To-confirm/duplicate items.
9. Dates where known bills exceed known available funds — calculation only, not financial advice.
Show arithmetic and recompute totals once. If figures do not reconcile, report the difference rather than forcing a balance.See a sample result
Illustrative example. Your answer may differ.
Illustrative test only: ₱20,000 salary received; ₱2,000 freelance income expected; ₱1,850 electricity unpaid; ₱1,499 internet paid; ₱3,000 groceries paid. The summary should show ₱20,000 received, ₱4,499 paid, ₱1,850 unpaid, ₱15,501 left now and ₱13,651 expected after the listed unpaid bill. Replace every sample row before using the tracker.
Before you use it: Check the sample totals with a calculator before entering real figures. Then compare every amount, status and due date with your own receipts or statements. This tracker is a planning record, not a bank statement, accounting record, tax calculation or financial recommendation. If you use a statement, share only needed rows or a redacted copy. Temporary or incognito chat settings can reduce some retention or model-improvement use, but they do not replace redaction.
Try this follow-up
Check these totals line by line. Show the formula used for each total and mark any missing amount or date To confirm.
If the answer is not right
If a total is wrong, compare each formula range with the Transactions columns and ask the AI to correct only that formula. Keep the original data until the totals match your calculator.
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