Zero-Based Expense Rebuild: Design My Optimal Monthly Budget

Your budget grew by accident, one habit at a time. This wipes the slate and builds an optimal one from your income, fixed costs and goals, using envelope logic so every pound has a job. You start from what you want your money to do, not from what it's been doing.

Forget my current spending habits entirely. I want to build an optimal monthly budget from scratch using zero-based budgeting principles. My net monthly income is {NET_INCOME}. My non-negotiable fixed costs are: {FIXED_COSTS}. My financial goals in priority order are: {FINANCIAL_GOALS}. My household consists of {HOUSEHOLD_DESCRIPTION}. Using envelope-style allocation logic, propose a complete monthly budget that: (1) funds every fixed obligation first, (2) allocates to goals using the priority order given, (3) assigns every remaining pound or dollar to a named discretionary category, and (4) leaves a {BUFFER_PERCENT}% buffer for unexpected costs. Output as a structured table with category, allocated amount, and percentage of income.