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Make a simple 12-month budget for the business

You've never had a budget, just a feeling. Get a one-page, 12-month plan of money in and out, with the seasonal ups and downs, in a sheet you can actually keep up to date.

Updated 17 Oct 2026

The prompt · ChatGPT

Help me make a simple 12-month budget for my business.

My business: [what you do]
Last year's rough figures: [income and main costs, monthly if you have them]
Busy and quiet months: [e.g. busy May to September]
What's changing this year: [price rise, new staff, new van]
Big one-off costs: [insurance, tax, equipment, MOT]

First ask me up to 5 short questions. Wait for my answers.

Then:
1. A 12-month table: income, each cost group, profit, and what I can pay myself.
2. The months to watch, and why.
3. A budget-versus-actual layout for Google Sheets with the formulas.
4. Three assumptions I should check most.
5. A 10-minute monthly review routine.

Use my figures and show the sums. Only use what I've told you, leave blanks for anything I haven't given, and don't invent facts or figures. UK English.

Stay in this ChatGPT chat. Do not turn on apps or connectors, and do not use memory from another chat.

A short example

Fill the blanks, then paste. what you do: a short note you already have. income and main costs, monthly if you have them: a short note you already have. Leave the rest of the prompt as written.

This does not give tax advice. The books stay in the accounting system.

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