The old ritual
For most people with more than one account, the monthly money review goes like this: open each bank app (checking, savings, a credit card, maybe a brokerage), export a CSV, import into a spreadsheet, spend 20 minutes tagging transactions that auto-categorization missed, then stare at a pivot table and try to remember what you actually learned. Half the time you skip it entirely for a few months and then do a panic audit in November.
BankBridge cuts the whole middle part. Your agent already knows how to ask for everything you'd pull into the spreadsheet, and it picks the right tools for the questions you'd ask.
The six questions
In order. Paste them into a fresh conversation with Claude, ChatGPT, Cursor, or any MCP-speaking agent. Each one stands alone, and each one feeds context into the next.
1. Income: what came in
“What was my total income this month? Break it down by source.”
The agent pulls get_monthly_cashflow and reports total inflow plus the top 3 income sources. For most people: salary + maybe a reimbursement + maybe a side-project deposit. For freelancers or LLC owners: client deposits, and you can follow up with “which clients paid late?”
2. Expenses: what went out
“Total expenses this month, broken down by category. Highlight anything that's up 20% or more vs last month.”
The 20%-delta flag is where insight lives. Groceries creeping up means Instacart's creeping up. Transportation creeping up means Uber + gas. The agent calls get_spending_summary twice and diffs.
3. Subscriptions: what you forgot about
“List every active subscription over $5/mo, sorted by cost. Flag any I probably don't use.”
get_recurring_charges detects the pattern-match subscriptions. Most people find 2-4 things on this list they'd forgotten. The “probably don't use” framing gives the agent license to guess based on how long it's been since you did something related.
4. Cashflow: the bottom line
“Net cashflow for the month. How does my savings rate compare to the last three months?”
Savings rate = (income − expenses) / income. The trend over three months matters more than the single-month number. If the trend is slipping, the previous question's 20%-delta usually explains why.
5. Investments: how the portfolio moved
“What's my portfolio worth now, and how has it moved this month? Any dividends? Any positions down 10%+?”
The agent calls list_holdings for a snapshot and list_investment_transactions for month-in-review activity. Dividends + positions underwater are usually what you're scanning for.
6. Next month: what’s coming
“Based on past patterns, what big expenses should I expect in the next 30 days?”
Rent, mortgage, insurance, large annual subscriptions, tax-payment dates — these all have predictable patterns. The agent pulls get_recurring_charges + get_merchant_history on the known big merchants and reports what's coming. Usually 3-5 items.
Save it as a skill
Claude Code users: the BankBridge plugin ships /monthly-money-review as a single slash command that runs all six questions in sequence and summarizes at the end. Install the Claude Code plugin and the command is yours.
Other hosts: save the six questions as a snippet in your agent tool of choice. Claude Desktop has Projects; ChatGPT has Custom GPTs; most IDE agents support persistent snippets. Paste the six questions into the system prompt once, then trigger with a single “run my monthly review”.