As of 13 August 2026, AI can only partly make a debt repayment budget.

What to actually do

1. Hand it to a person

   The route this page recommends

   A person who owns the outcome does this end to end, worth it when the failure is dear.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface, chat-fluent skill, and roughly 30 minutes until you can act on the result.

   How to actually do it

   1. Open your current bank and card statements, payslips or benefit records, household bills and debt letters, and gather figures current as at 2026-08-13.
   2. Make a list of each debt with its creditor, type, balance, interest rate, minimum payment, payment date and arrears status, and redact account numbers and other identifying details.
   3. Group your monthly income and spending into essential costs, non-essential costs and debt minimum payments, keeping irregular costs visible instead of hiding them.
   4. Paste the supplied prompt into ChatGPT, Claude or Gemini, then paste your grouped figures and debt list underneath it.
   5. Compare the model's income, spending and minimum-payment totals line by line with your statements, bills and debt letters, and correct any mismatch before using the budget.
   6. Check that the proposed payment amount leaves enough for essential costs, does not miss any minimum payment, and flags possible priority debts or arrears for a UK debt adviser.
   7. Put the checked monthly budget and payment dates into your spreadsheet or banking reminders, then contact each creditor or a debt adviser before changing a payment arrangement.

   Prompt

   Make a realistic UK debt repayment budget from the information below. Use only the figures I provide, do not invent or estimate missing amounts, and show every calculation clearly. Separate essential household spending, non-essential spending, debt minimum payments and the amount potentially available for overpayments. Keep enough for essential costs and do not suggest stopping, reducing or delaying any contractual payment. Flag any debt that may be a priority debt or any issue that needs checking with a debt adviser, rather than deciding it confidently. Do not recommend new borrowing, debt consolidation, or a payment arrangement without stating that I need to check it with the creditor or a debt adviser.
   
   Give me:
   1. A monthly income and spending table.
   2. A debt table showing creditor, balance, interest rate, minimum payment, payment date and whether the figure is fixed or variable.
   3. The total monthly income, total essential spending, total debt minimums and remaining amount, with the arithmetic shown.
   4. A cautious repayment order using the information supplied, with the assumptions and risks stated.
   5. A monthly budget I can copy into a spreadsheet.
   6. A list of missing figures and questions I must answer before relying on the plan.
   7. A plain warning that this is not professional advice and that a serious case needs a qualified UK debt adviser.
   
   Personal details: [monthly take-home income and other income]
   Essential spending: [rent or mortgage, council tax, energy, water, food, transport, insurance, childcare, medical costs and other essentials]
   Other spending: [subscriptions, leisure, clothing and other non-essential costs]
   Debts: [for each debt, creditor, type, balance, interest rate, minimum payment, payment date and arrears status]
   Other relevant facts: [variable income, dependants, priority bills, notices, court action or anything else that affects affordability]
   All figures are current as at 2026-08-13. I have removed account numbers and other identifying information.

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.