62 AI prompts for your own money
Most people never get a straight answer about their finances because they don't know what to ask. These are the questions worth asking, written out so you can paste them into ChatGPT, Claude or whatever you already use.
All 62 are built into Sumio, where each one runs against holdings you have already recorded. Fifteen are written up in full below. Copy any of them.
Start with your snapshot
Paste this block above any prompt below so the AI model evaluates only your verified figures.
Here is my financial snapshot. Use only these numbers.
Currency: [e.g. EUR]
Date: [today's date]
Age: [optional]
ASSETS
[name] — [category: cash / stocks / ETFs / crypto / property / metals / other] — [value]
[name] — [category] — [value]
...
LIABILITIES
[name] — [type: mortgage / car loan / credit card / student loan / other] — [outstanding balance] — [interest rate if known]
...
CONTEXT (optional but improves the answer)
Monthly income after tax: [amount]
Monthly spending: [amount]
Amount I add to savings or investments each month: [amount]
Value of the same assets 12 months ago: [amount]Fill this in once and keep it somewhere you can reach. Every prompt below starts from it. You will want to rebuild it whenever you need a fresh answer, since the figures are only as current as the day you typed them.
Your whole picture
Net worth breakdowns, asset allocation checks, solvency evaluation, and portfolio structure.
AI Prompt for Net Worth Summary and Balance Sheet Analysis
Copy this prompt to get a clear breakdown of your net worth, its biggest drivers and what the numbers mean. Works in ChatGPT, Claude and Gemini.
AI Prompt to Review Asset Allocation and Portfolio Balance
Paste your holdings and get an allocation breakdown, concentration flags and what each risk would take to hurt you. Free prompt, no signup.
AI Prompt for Financial Health Evaluation and Solvency Check
Debt-to-asset ratio, liquidity cover and the two weakest points in your position, worked out from numbers you supply. Free copy-paste prompt.
AI Prompt to Explain Your Investment Portfolio in Plain English
Paste your holdings and get them explained with no jargon, including what each one is for and what would make it lose value. Free prompt.
AI Prompt to Check Portfolio Diversification and Asset Overlap
Check diversification across asset class, geography and currency, including overlap that looks like spread but isn't. Free copy-paste prompt.
AI Prompt to Find the Risks in Your Portfolio
Find your biggest single points of failure, hidden correlations and currency exposure, from numbers you paste in. Free prompt, no signup.
Planning ahead
Wealth roadmaps, retirement gap estimates, financial independence milestones, and debt elimination.
AI Prompt to Build a Long-Term Wealth Strategy
Get a one, five and fifteen year plan from your own numbers, with compounding projections at three growth rates. Free prompt for ChatGPT or Claude.
AI Prompt to Assess Retirement Readiness and Capital Gap
Estimate the capital your retirement needs, compare it with what you have, and see how the gap moves at different return rates. Free prompt.
FIRE Calculator Prompt for Financial Independence Planning
Work out your savings rate, your FIRE number at three withdrawal rates and years to independence. Copy the prompt, paste your numbers.
AI Prompt to Turn a Money Goal Into an Actionable Plan
Turn a vague financial ambition into a number with a date, a monthly figure and yearly milestones you can check against. Free copy-paste prompt.
AI Prompt for Compound Growth Projections and Fee Drag Analysis
Project your savings at 5, 10, 20 and 30 years, see what fees cost you, and what starting five years later would take away. Free prompt.
AI Prompt to Build a Debt Payoff Plan and Amortization Strategy
Compare highest-interest-first against smallest-balance-first with your own debts, including months to clear and total interest. Free prompt.
Specific holdings and routines
Fundamental stock analysis, cryptocurrency risk sizing, and five-minute Sunday check-ins.
Value Investing Evaluation Prompt for Stocks and Funds
Evaluate a stock or ETF using Graham and Buffett principles: moat, financial health, intrinsic value, risks. Free prompt for ChatGPT or Claude.
AI Prompt to Check Crypto Portfolio Risk and Custody Exposure
Size your crypto against your net worth and work through custody, regulatory and protocol risk holding by holding. Free copy-paste prompt.
AI Prompt for a Five-Minute Weekly Money Review
A short weekly check that separates what markets did from what you did, and names one thing to watch next week. Free prompt.
The other 47
These prompts are built into the Sumio app and more will be written up here over time.
Net Worth and Holistic Wealth Planning
- Estate Planning Introduction
- Asset Class Exploration
- Savings Strategies Introduction
- Portfolio Creation Introduction
- Savings Products Overview
Total Assets and Asset Category Management
- Total Assets Summary
- Asset Inventory and Assessment
- Asset Categories Insights
- Assets Planning Insights
- Asset Growth Strategies
- Asset Category Summary
- Asset Category Explained in Plain Language
Debt and Liabilities Optimization
- Debt Management and Reduction Strategies
- Loans and Mortgages Guidance
- Loan Types and Product Selection
- Liability Categories Insights
- Liability Management Insights
- Liabilities Summary
- Liability Category Summary
Stocks, ETFs and Funds
- Market Data Summary (Stocks)
- Financial Statements Overview
- Market Trends and Insights
- Typical Investment Strategies
- Investment Analysis
- Holding Explained in Plain Language
Cryptocurrencies and Digital Assets
- Cryptocurrency Insights
- Market Data Summary (Crypto)
- Cryptocurrency Fundamentals
- Cryptocurrency Evaluation
Smart Routine and Actionable Insights
- Long-Term Goal Progress
- Today's Most Important Insight
- One Financial Concept for You
- Financial Habit Progress Review
- Items Worth Another Look
- The Question Your Data Raises
- Weekly Asset Check-In
- Asset Long-Term Goal Progress
- Today's Most Important Asset Insight
- One Concept for This Asset
- The Question This Asset Raises
Precious Metals
- Market Insights (Precious Metals)
- Market Data Summary (Precious Metals)
- Market Trends (Precious Metals)
Foreign Exchange (Forex)
- Market Data Summary (Forex)
Custom Indicators and Categories
- Insights (Custom Indicator)
- Summary (Custom Indicator)
Run all 62 prompts directly against your portfolio
Sumio includes every prompt shown on this page. When you tap to run an analysis, the app pulls your saved balances and sends only the figures needed for that specific question. Your records stay stored on your device, with no account required and no ads.