AI Prompt to Summarize a Custom Financial Indicator and What Moved It

What you need

You need the indicator's definition, its parts with their values, and the indicator's value at four points in time. A custom indicator is any figure or grouping you define yourself, for example everything earmarked for a house deposit or the investments you count towards retirement. In Sumio, it is a custom indicator you set up in the app.

The snapshot template on this page is optional, because the summary covers the indicator alone.

Fill in these lines inside the prompt:

• Indicator: [name and definition]
• Components and their values: [each part with its value today and 12 months ago, plus money paid in or taken out]
• Values today, 30 days, 12 months and 5 years ago: [four amounts, as far back as you have them]

The components line is what lets the model say why the figure moved. Without it, the summary can report that the indicator rose and nothing more. Give each part in the currency it is held in and state the exchange rate you used to add the parts up, for each date.

Money you paid in or took out is the detail most people forget. A pot that grew by 25,000 CZK because you paid in 18,000 CZK tells a different story from one that grew by the same amount on its own, and the model cannot tell them apart unless you say.

A chat model with no browsing tool cannot look up the value of anything inside the indicator. If a part is an investment, give its value on the same date as the others.

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]

The prompt

Copy this exact text and paste it into ChatGPT, Claude or Gemini directly beneath your snapshot block.

You are a personal finance analyst. Write a clear, short summary of a custom
financial indicator I track.

Indicator: [name and definition]
Components and their values: [each part, value today and 12 months ago,
money paid in or taken out]
Values today, 30 days, 12 months and 5 years ago: [four amounts and currency]

1. State what the indicator measures and its value today.
2. Calculate the change over 30 days, 12 months and 5 years, in money and in
   percent. Show the arithmetic.
3. Break the 12-month change down by component, and separate money I paid in
   or took out from changes in value.
4. Compare the result with typical situations for an indicator of this kind,
   and say which benchmarks or common practices apply.
5. Name the usual goals and common mistakes for an indicator like this.
6. If the data is too thin for a meaningful summary, say so and suggest what
   to track.

Ask for any missing value rather than estimating it. Educational only: no buy
or sell recommendations and no products.

What good output looks like

A good summary opens with the indicator's value and one sentence on what it measures. The three changes follow, each as an amount and a percentage, with the 5-year change marked as unavailable if you gave no value for it.

The component breakdown is where the summary earns its place. Say your "House deposit" indicator holds a savings account and an ETF. The savings account went from 160,000 to 180,000 CZK, including 18,000 CZK you paid in. The ETF went from 2,800 to 3,000 EUR, converted at 25 CZK per EUR on both dates for simplicity, so from 70,000 to 75,000 CZK. The indicator rose from 230,000 to 255,000 CZK, or 10.9%. Of the 25,000 CZK rise, 18,000 CZK came from your deposits, 2,000 CZK from interest and 5,000 CZK from the ETF's price. A good answer lays this out in a small table you can check line by line.

The comparison with typical situations stays general, for example how much of a deposit fund people tend to keep in assets that can fall shortly before the money is needed.

The goals and mistakes section closes the answer, with the mistake most relevant to your figures first, such as treating a market gain as saving progress.

What this can't tell you

The summary is only as complete as your definition. If a savings account belongs in the indicator but you left it off the components line, the model has no way to notice.

A chat model without browsing has no live prices or exchange rates for the parts of your indicator, and it cannot rebuild past values you did not give. Using one exchange rate for both dates, as the example does, hides the currency effect; using each date's rate shows it but folds it into the totals. Say which you chose.

The benchmarks it quotes are general and say nothing about your country, income or tax rules. Check that the components add up to each total.

Doing this without the retyping

In Sumio, this is the "Summary" prompt on a custom indicator, one of the 62 prompts in the AI assistant. Both custom indicators and the assistant come with Premium. You run it with one tap on an indicator already set up in the app, so nothing has to be typed out or added up first. Your records are stored on your device, and running the summary sends the figures it needs to an AI provider.