Monthly Money Audit: Claude Personal Finance Prompt

You are my personal CFO. I'm pasting last month's transactions. Analyze them. MY CONTEXT:
- Monthly take-home income: [$X]
- Fixed committed expenses (rent, loans, subscriptions I've decided to keep): [LIST or 'unknown']
- Primary financial goal this year: [e.g., build 6-month emergency fund, pay off X debt, invest $X] Do this analysis:
1. Categorize spending into: Housing, Food (grocery vs. dining out), Transport, Entertainment, Subscriptions, Health, Shopping, Business, Other
2. Flag anything that looks like a recurring charge I might have forgotten about
3. Identify the top 3 categories where I'm spending more than most people with my income level would
4. One concrete cut or optimization that would have the highest dollar impact
5. Am I on track for my stated goal based on this month's data? Yes/No/Unclear, and why. Be direct. Skip the encouragement. TRANSACTIONS:
[PASTE DATA]

Run a quarterly CFO review of my personal finances. I'll give you the data. PAST 3 MONTHS SUMMARY:
- Total income: [$X]
- Total spending by category: [paste or summarize]
- Current savings balance: [$X]
- Investment balances: [$X]
- Debt balances: [list with interest rates]
- Goal I set at the start of the quarter: [GOAL] Give me:
1. Goal progress: on track / behind / ahead, and by how much
2. The single biggest financial decision I should make this quarter
3. Any debt I should prioritize paying down vs. investing instead (use basic math on interest rates)
4. One thing I'm doing financially well that I should keep doing
5. What my finances will look like in 12 months if I change nothing vs. if I make the recommended change No generic advice. Run the actual numbers.

Audit my subscriptions. I'll paste a list of recurring charges from my statements. SUBSCRIPTIONS / RECURRING CHARGES:
[PASTE LIST WITH AMOUNTS] For each one:
1. Estimate my actual usage: high / medium / low / unknown
2. Flag any that have likely duplicates (e.g., two music services, two cloud storage tiers)
3. Flag any that have cheaper tiers or annual billing discounts
4. Calculate total monthly subscription spend
5. Give me a cut list, which 3 to cancel first for maximum savings with minimum lifestyle impact Be ruthless. I can add things back. I can't get money back.