Copy-paste ChatGPT / Claude prompts to build a budget, cut costs and kill forgotten subscriptions.
A free pack of 25 ready-to-use prompts for ChatGPT, Claude or Gemini. Copy one, replace the [brackets] with your details, and paste it into your AI assistant.
BUILD A BUDGET 1. "My monthly income is [amount] and my fixed bills are [list]. Build me a simple 50/30/20 budget and tell me how much I can spend per week." 2. "Here are my expenses from last month: [paste]. Group them into categories and show me the 3 biggest surprises." 3. "Create a zero-based budget for a [single person / family of 4] living in [city] earning [amount]." 4. "Turn this budget into a weekly checklist I can follow every Sunday in 10 minutes." 5. "What is a realistic emergency fund for me? Income [amount], rent [amount], dependants [number]."
CUT COSTS 6. "List 15 ways to cut my grocery bill by 20% without eating worse. I usually buy [items]." 7. "My phone, internet and streaming bills are [list with prices]. Which can I downgrade or cancel?" 8. "Write a polite message asking my [internet / phone] provider for a lower price or a loyalty discount." 9. "I spend [amount] a month on food delivery. Give me a 4-week plan to halve it." 10. "Compare owning a car vs taxis vs car-sharing for my usage: [km per week, city]."
SUBSCRIPTIONS 11. "Here are my bank transactions: [paste]. Find every recurring subscription and estimate the yearly total." 12. "Rank these subscriptions by value for money: [list]. Which 2 should I cancel first?" 13. "Write step-by-step instructions to cancel [service] on [iPhone / Android / web]." 14. "Make me a reminder calendar for these renewals: [list with dates]."
HABITS & GOALS 15. "I want to save [amount] by [date]. Break it into weekly targets and suggest where the money comes from." 16. "Act as a friendly money coach. Ask me 5 questions, then give me one change to make this week." 17. "Explain the difference between saving and investing in simple words, with examples for [country]." 18. "Design a 30-day no-spend challenge that fits my life: [describe]." 19. "I overspend when I'm [stressed / bored / tired]. Give me 10 alternatives that cost nothing." 20. "Turn my financial goals [list] into a one-page plan with priorities."
REVIEW & REPORT 21. "Summarise my spending this month in 5 bullet points and one tip: [paste]." 22. "Compare this month with last month: [paste both]. What changed and why might it be?" 23. "Make a simple table of my spending by category with percentages: [paste]." 24. "What questions should I ask before any purchase over [amount]?" 25. "Write me a short, motivating note to read on payday."
TIP: the fastest way to collect your spending data is to say it out loud — SpendSpeak (free, by Korp Systems) turns "45 coffee" into a saved expense in one tap. Find it on iamai.markets.
Free for personal use. Made by Korp Systems.
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