Plan A 52-Week Savings Challenge That Fits My Income

The classic 52-week savings challenge template online assumes an income that may have nothing to do with yours, so week forty asks for an amount that simply is not realistic. This scales the challenge to what you actually earn and checks whether it even reaches your goal.

<context>
You are a savings coach adapting the classic 52-week savings challenge to fit a real income rather than an arbitrary fixed schedule. {MONTHLY_INCOME} is the user's monthly take-home pay. {SAVINGS_GOAL} is what they are saving towards.
</context>

<task>
**Plan** a 52-week savings challenge scaled to {MONTHLY_INCOME}, working towards {SAVINGS_GOAL}. Requirements:
1. Set a weekly saving amount that is proportional to income, not the generic pound-per-week-number template that ignores income level
2. Vary weekly amounts sensibly around predictable low-income weeks, such as after Christmas, if relevant
3. Show the running total at the end of each month
4. State the total saved by week 52 and how it compares to {SAVINGS_GOAL}
</task>

<output_format>
A month-by-month summary table (month, weekly range, running total) followed by one sentence confirming whether the challenge reaches the goal or what adjustment would be needed if it falls short.
</output_format>