Ask your AI better money questions
Pick what you want to know and get a prompt that works in Claude, ChatGPT or any AI app. Each one tells the AI exactly what to count, what to skip, and how to show the answer, so you get real numbers instead of generic advice.
Find every recurring charge in my transactions from the last 12 months. Use my connected bank accounts (BankBridge) to look at my real transactions. Pull fresh data instead of guessing, and include all of my connected accounts unless I say otherwise. 1. Group charges by merchant and treat a merchant as recurring when it bills on a regular schedule (weekly, monthly, yearly). 2. For each one give the merchant, how often it bills, the latest amount, and what it costs per year. 3. Flag anything that looks like a duplicate service or something I may not use anymore, and say why. Put the results in a table. Use exact dollar amounts from the data and say when something is an estimate.
/subscriptions does this in one step.This version assumes your AI app has BankBridge connected, so it can fetch your real transactions read-only. No BankBridge yet? Switch step 4 to “paste a CSV”, or try the demo below with sample data.
Prompts work best when your AI can see the numbers
Without bank access, an AI can only guess or work from the file you paste. BankBridge gives Claude, ChatGPT and other AI apps read-only access to your accounts, so every prompt on this page runs against your real, current transactions.
- Read-only: your agent can look at transactions but can never move money.
- Nothing stored: every question is answered from a live fetch, then dropped.
- Works in Claude, ChatGPT, Claude Code, Cursor, Codex and other MCP apps. US banks.
- $5 a month per connected bank, or $50 a year. Cancel any time.
Ready-to-copy prompts
19 prompts for the questions people ask most about their money.
Subscriptions
List every subscription and recurring bill I paid in the last 12 months, with how often each one bills and what it costs per year. Sort by yearly cost.
Which of my subscriptions or bills went up in price this year? Show the old price, the new price, when it changed, and the extra cost per year.
Look at my recurring charges and tell me if I'm paying for two services that do the same thing, like two music or two cloud storage plans.
Find charges in the last 90 days from merchants I had never paid before that then charged me again a month later. Those might be free trials I forgot to cancel.
Budgeting
Draft a monthly budget from my actual spending over the last 3 months. Separate fixed bills from flexible spending and suggest realistic limits for each category.
Compare my spending last month with the month before, by category. What went up the most and why?
How much did I spend on food last month in total, split into groceries, restaurants, and delivery apps?
Give me a quick weekly check-in: what I spent in the last 7 days, my top 5 merchants, and anything unusual.
Cash flow
For each of the last 6 months, show money in, money out and the difference. Leave out transfers between my own accounts and credit card payments.
Based on my recurring charges, which bills will probably hit in the next 14 days and how much will they total?
What percent of my income did I keep each month this year? Show the math.
Spotting problems
Check the last 60 days for possible duplicate charges: same merchant, same amount, within 3 days of each other.
List merchants I paid for the first time in the last 30 days, with amounts, so I can check I recognize them.
Find every bank fee, late fee, foreign transaction fee and interest charge in the last 12 months and total them.
Taxes
Pull last year's transactions that might matter for taxes: business expenses, donations, medical, education. Group them with totals for my accountant.
Help me separate business and personal spending on my card last quarter. List the ones you're unsure about.
Big picture
Give me a year-in-review: total income, total spending, biggest categories, most frequent merchants, and my largest single purchases.
Add up my account balances, subtract what I owe on credit cards, and give me a simple net worth snapshot.
Summarize my investment holdings: what I own, cost basis, gain or loss, and how concentrated I am in any single holding.
Questions
Do these prompts work in ChatGPT and Claude?
Yes. They are plain-language prompts, so they work in Claude, ChatGPT, Gemini and other AI apps. What changes the answer is the data the AI can see: either a CSV you paste, or live transactions if your AI app is connected to your bank.
Is it safe to paste bank transactions into an AI chat?
Read your AI app's data policy first. A transaction export contains merchant names, amounts and dates, but not your login or full account numbers. Remove anything you would not want to share before pasting.
How does my AI see my bank without me pasting files?
BankBridge connects your bank accounts to AI apps like Claude, ChatGPT and Claude Code over MCP, read-only. The AI fetches live transactions when you ask a question and can never move money. It costs $5 a month per connected bank, and the demo uses sample data so you can try the prompts first.
Why does the prompt tell the AI to skip transfers and card payments?
Paying a credit card bill from checking, or moving money between your own accounts, looks like spending in raw data. Counting it would double your real spending, which is the most common mistake AI makes with bank data.