Do your personal money and your shop's money get mixed together, and every month you wonder how much you can pay yourself without putting the business at risk? You may have searched for "how much should I pay myself each month as a self-employed person" without finding an answer that fits your household. This prompt has ChatGPT build a small personal app that does the math with your own figures. It is delivered in a single reply, as one file you can open on your phone or your computer.

Who is it for?

• Craftspeople (bakers, plumbers, hairdressers, electricians…) who pay themselves "whatever is left".

• Shopkeepers who want to pay themselves a fixed amount every month.

• Self-employed people operating as sole traders, micro-entrepreneurs or through a company.

What you provide

Your trade, your business status, your household makeup, its other income and its expenses (rent, loans, insurance, groceries). On the business side: average revenue, average margin, fixed costs and the share to set aside for social contributions and taxes. You also add your slow months, the revenue of a slow month and the cash you have available.

What you get

• An app with four screens: My Household, My Business, My Pay, Help and Info.

• A recommended monthly payment, with a green, orange or red indicator and the formulas explained in plain words.

• A cushion for slow months and the monthly effort needed to build it up over one year.

• What to adjust: any shortfall or surplus, the revenue you need, and the effect of one extra point of margin.

• Export of your data and a button to erase everything.

• Short templates for terms of use, legal notice and privacy policy, to complete in your own name.

How to use it

• Copy the prompt into ChatGPT.

• Fill in the fields. Write "to be defined" if you don't know: no amount will be made up.

• Send it: ChatGPT delivers the complete code of the app.

• Save this code in a file named mon-versement.html, then open it in your browser.

• Correct your figures directly in the app.

Example of a result

A baker whose household has four people sees the amount to pay herself on the 5th of each month. She also sees the sum to keep in the business account to get through January and August, and what would need to change to cover the whole household budget. Every amount comes from her own figures.

Limits

The app gives an estimate and does not replace your accountant. It invents no rates: the percentage to set aside for social contributions and taxes comes from your accountant or an official simulator. Your data stays on your device. The prompt is designed for ChatGPT. If the page stays blank, the reply tells you how to send back the error message to receive a corrected file. The prompt is written in French and works in any language model that understands French.