Good salary. Nothing in the account. You need to know why.

Decent salary, yet the account is empty by month end and you cannot say where it went. Give it your take-home, fixed outgoings and end-of-month balance, and it calculates the unaccounted gap, then builds a zero-based budget that assigns every pound, spreading the mystery spend across the likely culprits: subscriptions, eating out, the small daily leaks.

My monthly take-home is {MONTHLY_TAKE_HOME}. My known fixed outgoings are {FIXED_OUTGOINGS_LIST}. At the end of most months I have roughly {END_OF_MONTH_BALANCE} left. First, calculate my unaccounted spend (the gap between income, known outgoings, and end balance). Then build a zero-based budget that accounts for every pound: assign the unaccounted amount across the most likely hidden categories (subscriptions, eating out, impulse spending, convenience costs) using realistic UK averages where I have not provided figures. Show all categories with pound amounts and percentages. Add a 'audit actions' section with three specific things I should check in my bank app this week to verify the hidden spend. Include a 5% buffer line. Pressure-test all totals before delivering.