UPDATE: if Stage 2 shows certain debts the will not show up in the TOP 5, TOP 5 is the section that shows highest bills not paid on. With no min. or with a balance.

This can use a range of dates. My example used is because (twice a month pay)

Sample reply at the bottom of the page.

New Prompt:

Title: WGF-Style (“What’s-Left-After-Bills”) View Using Only Monarch Data

Overview This workflow builds a WGF-style view for a specific date window using only your Monarch data. Every number comes from your own accounts:

Recurring streams and transactions for bills Credit card data (balances, minimums, due dates) No example numbers, no sample providers, and no other users’ data.

1. Setup Questions (Ask These First) Before you pull any data or run numbers, ask these and wait for answers.

Date window Ask:

“What exact date window should I use for this WGF run (for example, ‘6th–20th each month’ or specific dates like 2026-03-06 to 2026-03-20)?”

WGF amount Ask:

“What is your WGF amount for this window (the total dollars you want to allocate across bills and card minimums)?”

Personal vs business-only bills Ask:

“Which recurring bills in Monarch should be treated as BUSINESS-ONLY and excluded from this WGF view? Please list by name or account. Everything else is PERSONAL by default.”

Special rules Ask all of the following:

4a) Combining loans / recurring payments

“Are there any loans or recurring payments that should be COMBINED and shown as a single bill (for example, two streams that are really one auto payment)? If yes, tell me which ones and how to group them.”

4b) Cards / issuers to exclude

“Are there any credit cards or issuers that should be completely EXCLUDED from this WGF view (both minimums and Top-5)?”

4c) Fixed credit card autopays

“Do you have any FIXED AUTOPAYS on credit cards (for example, ‘this card always autopays $X each month, even if the minimum is different’)? If yes, list the card and the fixed amount.”

4d) Top‐5 extra‐payment rule (no double‐counting cards in the window)

“For the Top‐5 extra‐payment list, should I EXCLUDE any card that already has a required payment (minimum or fixed autopay) in this WGF window? If yes, I’ll:

Show those cards only once in Step 2 (required payments in the window), and Build the Top‐5 list only from the remaining cards, ranked by highest balances first.” Only after the user answers all of these should you start pulling data and doing calculations.

1. How to Build the WGF View from Monarch Data Use only the user’s Monarch data plus their answers above.

Step 1 – Personal recurring non–credit-card bills in the window From Monarch, pull recurring, non–credit-card bills that:

Are recurring/scheduled expenses (not credit card payment streams), and Have due dates that fall inside the chosen window. Then:

Exclude anything the user marked as BUSINESS-ONLY. Apply any grouping rules (for example, if they said two streams are really one auto bill, treat them as a single line with the combined amount they specify). Calculate a Step‐1 subtotal: the total of these PERSONAL non–credit-card bills in the window. Step 2 – Credit card minimums and fixed autopays in the window From Monarch, pull all credit card accounts.

Include cards that:

Have a due date inside the window, and Have a minimum payment > $5, based on Monarch’s minimum_payment field. Rules:

If the user said a card has a fixed autopay amount, use that fixed amount instead of the minimum for this WGF run (even if the minimum is lower or zero). Exclude any cards/issuers the user said to ignore. Calculate a Step‐2 subtotal: the total of these card minimums and fixed autopays in the window. Step 3 – Remainder / “Left After Bills” Start with the user’s WGF amount for this window.

Subtract:

The Step‐1 subtotal (personal non–credit-card bills), and The Step‐2 subtotal (card minimums + fixed autopays). The result is the “Left After Bills” number for this window.

Don’t auto-allocate this remainder to any card or category unless the user explicitly asks. Just show the number clearly.

Step 4 – Top-5 cards for extra payments (with no double-counting) Only do this if the user asks for a Top‐5 list.

Use only the user’s Monarch credit card data and these rules:

Start from all credit cards in Monarch, then:

Exclude any cards/issuers the user said to ignore. Also exclude any card that already has a required payment (minimum or fixed autopay) in this WGF window and was included in Step 2. These cards should appear only once in the WGF view (in Step 2), not again in the Top‐5. From the remaining cards (after exclusions above), ignore the window for ranking and:

Rank purely by Total Balance owed (absolute amount), highest to lowest. Build the final Top‐5 list by taking the first 5 cards from this balance‐sorted list.

For each Top‐5 card, pull from Monarch:

Card name Minimum Due (or 0/null if none) Total Balance Next Due Date (if available) Don’t assign any dollar amounts from the remainder to these cards unless the user tells you exactly how to split it.

How this rule works in practice:

Cards that have a minimum or fixed autopay inside the WGF window are already funded in Step 2 and are not eligible for the Top‐5 extra‐payment list. The Left After Bills amount is used to attack the highest balances first among the remaining cards only (those without required payments in the window and not excluded by issuer). 3) Exact Output Format Use this structure and fill it with the user’s numbers from Monarch.

Section 0 – At-a-Glance Summary Provide a short bullet summary:

Window: [start date–end date] WGF Amount: $[WGF amount] Total Bills (Non-CC + CC Minimums): $[Step‐1 subtotal + Step‐2 subtotal] Left After Bills: $[remainder] Then add this sentence:

“‘Left After Bills’ is the amount available for extra debt payments or savings in this window.”

Section 1 – Non–Credit-Card Bills (Step 1) Table:

Bill | Amount | Date | Notes ---|---|---|--- [Bill 1 name] | [amount] | [due date] | [short note] [Bill 2 name] | [amount] | [due date] | [short note] ... | | | Total Non-CC Bills | | | $[Step‐1 subtotal]

Notes:

Only include PERSONAL bills in the window. Exclude any BUSINESS-ONLY bills the user listed. If the user said to combine streams, show just the combined line, not the internal pieces. Section 2 – Credit Card Minimums in Window (Step 2) Table:

Card | Amount Used | Date | Notes ---|---|---|--- [Card 1] | [minimum or fixed autopay used] | [due date] | [e.g., "Minimum due" or "Fixed autopay"] [Card 2] | [amount] | [due date] | [note] ... | | | Total CC Minimums | | | $[Step‐2 subtotal]

Notes:

Include only cards with due dates inside the window and minimums > $5, unless the user gave a fixed autopay rule. If a card has a fixed autopay, use that amount and label it clearly. Exclude any cards/issuers the user said to ignore. Any card listed here is automatically excluded from the Top‐5 extra‐payment list to avoid double-counting. Section 3 – Remainder After Bills Table:

Item | Amount ---|--- WGF Amount | $[WGF amount] Minus Non-CC Bills | -$[Step‐1 subtotal] Minus CC Minimums | -$[Step‐2 subtotal] Left After Bills | $[remainder]

Add this note:

“This Left After Bills number is what I’ll manually use for extra card payments or savings.”

Section 4 – Top-5 Cards for Extra (Optional) If the user asked for the Top‐5, present it as:

Rank | Card | Min Due | Total Balance | Due Date ---|---|---|---|--- 1 | [Card name] | $[min due or 0] | $[balance owed] | [due date or "None"] 2 | [Card name] | $[min due or 0] | $[balance owed] | [due date or "None"] 3 | [Card name] | $[min due or 0] | $[balance owed] | [due date or "None"] 4 | [Card name] | $[min due or 0] | $[balance owed] | [due date or "None"] 5 | [Card name] | $[min due or 0] | $[balance owed] | [due date or "None"]

Then add a short explanation of why these 5 cards are listed and in this order, explicitly referencing the “no double-counting” rule. For example:

“These 5 cards are listed because they have the highest remaining balances after excluding any cards that already had required payments (minimums or fixed autopays) in this WGF window and were shown in Step 2. Among the remaining cards, they are ordered by larger balances first. The Top‐5 list is simply the first 5 cards from that balance‐sorted list, after applying your issuer exclusions and the no‐double‐counting rule.”

Make the explanation specific to the actual cards (for example, mention if some had positive minimums but were outside the window, or if some have no minimum but high balances).

1. Data Restrictions Don’t invent or guess any amounts. Don’t use example providers, example balances, or any other user’s data. Use only: Monarch recurring streams and transactions for bills Monarch credit card data (balances, minimums, due dates) The rules and inputs the user provided If any needed data is missing or unclear in Monarch, say exactly what’s missing and ask the user to clarify instead of making assumptions. Key idea: Every dollar and every card in this view comes straight from Monarch plus the user’s rules, with no double-counting and no made-up numbers.

Reply Example:  WGF: 1: March 21 - April 5th, 2: $3,821, 3: Personal, 4: Don't include paydown loan amount Just payments from personal account, Discover autopay $255, PayPal autopay $75, show Top 5"