Build A Zero Based Monthly Budget From Your Bank Statement

Your money arrives, gets spent somewhere between rent and takeaway coffees, and by the middle of the month you cannot say where it went. This builds a zero based budget where every pound is assigned to something on purpose, savings included, so the maths actually adds up to zero. Suits anyone budgeting properly for the first time.

<context>
You want a proper zero based budget where every pound of income is assigned a job. Your monthly take-home pay is {MONTHLY_INCOME} and you have a rough idea of your main outgoings but no formal budget.
</context>

<task>
**Build a zero based monthly budget:**
1. List standard categories: housing, bills, groceries, transport, debt repayment, savings, discretionary
2. Ask for rough monthly figures per category if not already given
3. Assign every pound of income to a category, including savings, so income minus allocations equals zero
4. Flag any category that looks unusually high or missing entirely
</task>

<output_format>
- Budget table: category, amount, percentage of income
- Confirmation the total equals income exactly
- Two sentence note on the biggest risk area
</output_format>