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  • Strategist
  • Spender
  • Saver
  • Scrambler

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Find My Money Type
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Free toolMost helpful for Savers

Budget Prompt Generator

Pick your Money Type, your goal, and the AI you use, and get budgeting prompts to copy into ChatGPT, Claude, or another assistant.

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Budget prompt generator

Start here

Sort your last 3 months into FUNDS

This is Step 2 of setting up your five funds. An AI chat tool does the first pass, so you can see how you've been living across Fixed, Unexpected, Needs, Desires, and Stash.

  1. Download the last three months of transactions from every checking account, savings account, and card you use. Most banks let you export them as a spreadsheet file, and a PDF statement works too.
  2. Before you upload anything, delete your account numbers, card numbers, and address. The tool only needs the date, the description, and the amount of each transaction.
  3. Upload the files and paste in the prompt below.

The prompt

Here are my transactions from the last three months. Put each one into one of five funds, using these lines: Fixed (rent, utilities, phone, internet, insurance, subscriptions, card minimums, loan payments, and annual bills), Needs (groceries, gas and transit, pharmacy, household, and pet), Desires (eating out, coffee, clothes, beauty, and online shopping), Unexpected, and Stash. Total each line for each month, then give me the three-month average. Add up my deposits the same way. List any transaction you weren't sure about separately so I can sort it myself.

  1. Check each month's totals against your statements. If a month is off, ask which transactions it left out.
  2. Move anything that landed in the wrong fund. A drugstore run could be Needs or Desires, and only you know which one it was.

If you'd rather not upload anything, many banks already sort your transactions into categories. Start from those and move each one into the right fund.

Or build prompts for your Money Type and goal

Pick one answer in each row and your prompts update below.

Your Money Type
Your goal right now
The assistant you use
What it can see

Not sure of your type? Take the free Money Type quiz (about 2 minutes), then come back for prompts that fit.

Your prompts

8 to copy

Fill in the [brackets] with your own numbers. Round them if you like. Never paste passwords, account numbers, or one-time codes.

Paste these one at a time

Each one builds on the answer before it, so the order helps.

  1. Prompt 1

    I'm going to share my monthly numbers so you can help me budget. Take-home pay: [amount]. Bills: [list with amounts]. Debts: [balance and interest rate for each]. Savings: [amount]. Biggest spending categories: [list]. Don't ask me for account numbers or passwords. Confirm what you have, then wait for my next question.

  2. Prompt 2

    Based on the numbers I shared, how much could I realistically save each month without cutting bills or groceries?

  3. Prompt 3

    From the numbers I shared, find three expenses I could cut or pause, and show what each one adds up to in a year.

  4. Prompt 4

    If I save [amount] every payday, how long until I reach [goal amount]? Show it month by month.

  5. Prompt 5

    What's one automatic transfer I could set up for payday, so saving happens before I spend?

  6. Prompt 6

    Ask me five questions to figure out my Money Type (Spender, Saver, Scrambler, or Strategist), then suggest one first step.

  7. Prompt 7

    Show your math and tell me which numbers you used, so I can double-check them.

  8. Prompt 8

    Sum up what we found in three sentences I can save and come back to next month.

Before you paste

  • Never share passwords, full account numbers, or one-time codes in a chat.
  • AI answers can be wrong. Ask it to show its math, and check anything you act on.
  • Connecting accounts? Start read-only. The safety checklist takes a minute.

Want answers from your real plan instead of filling in brackets? Fifecta connects to Claude, read-only.

Save your results

Your next step

Same numbers, different first step

Two people can get this exact result and need totally different first steps. Your Money Type tells you which one is yours.

Find my Money TypeFree, about 2 minutes
Already know yours?

How It Works

  1. 01

    Pick your Money Type (or Not sure yet), your goal, and the assistant you use.

  2. 02

    Tell it what the assistant can see: Fifecta, Finances in ChatGPT, or nothing connected.

  3. 03

    Copy the prompts one at a time, fill in any [brackets], and double-check the answers.

The 4 Money Types

The Math Is the Same. Your First Step Isn't.

Spenders, Savers, Scramblers, and Strategists each need a different first fix. The free quiz tells you which type you are, so you know what to do with this number.

Find My Money Type

Common questions

At the top of the tool, under Start here. It sorts your last three months of transactions into the five funds, with the steps to take before and after you paste it.

No. The prompts are built from templates in your browser. Nothing goes to ChatGPT or Claude until you paste a prompt there yourself.

Passwords, full account numbers, one-time codes, and anything you wouldn't want stored. Rounded numbers work fine for budgeting questions.

Treat AI answers as education, not advice. They can be wrong, so ask it to show its math and double-check anything you act on. For investing decisions, talk to a licensed professional.

Connect an app to your assistant. Fifecta connects to Claude, read-only, so it can read your plan and never change it. Finances in ChatGPT connects bank accounts inside ChatGPT. Read the safety checklist before you connect anything.

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