Summarise Your Monthly Cash Flow in Plain English

You have a rough sense that money comes in and rather more of it leaves, and that is where the analysis ends. Paste in your income and main spending and get the top five categories, the percentages, and the one cut you would barely notice. Under 200 words, no lecture.

<context>
You want to understand where your money actually goes each month rather than having a rough sense of it. You have bank statements or transaction data available.

[paste a summary of your monthly income and main spending categories, or describe them here]
</context>

<task>
1. Calculate total monthly income after tax
2. List the top five spending categories and what percentage of income each represents
3. Identify whether you are spending more than, equal to, or less than you earn
4. Name the one category where spending could be reduced most easily without major lifestyle change
5. State the monthly surplus or deficit in one sentence
</task>

<output_format>
- Income summary: one line
- Spending breakdown: table with category, monthly amount, and percentage of income
- Surplus or deficit: one sentence
- Easiest reduction: one sentence
- Length: under 200 words
- Tone: factual and direct
</output_format>