AI Prompt to Weigh Your Debt Against What You Own and Earn

What you need

Paste the full snapshot template below, assets as well as liabilities. This prompt needs both sides, because it compares each debt with what you own. Give every liability its interest rate, and fill in monthly income after tax in the context section, since the repayment share is worked out from it.

Where a debt paid for something you still own, say so in its name, for example "Mortgage (flat)" or "Car loan (family car)", and list that asset with a current value on the assets side. The model can then set the loan beside the asset behind it. A rough market value is fine if you mark it as an estimate.

Below the snapshot, add two lines:

• Monthly repayment for each debt: [debt name and amount, one per debt]
• Interest rate on cash savings: [rate, or "none"]

Your loan statements or banking app show the monthly repayment. For a credit card, use the minimum payment you are asked for, or what you usually pay if that is more. If a debt is in another currency, convert it to your snapshot currency and note the exchange rate you used.

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 financial analyst who explains debt in plain language. Using only my
snapshot above, plus the lines below, analyze my debt against what I own and earn.

Monthly repayment for each debt: [debt name and amount, one per debt]
Interest rate on cash savings: [rate, or "none"]

1. List each debt with its balance, interest rate and monthly repayment, and give
   my total debt.
2. Estimate what each debt costs in interest over the next 12 months, and the
   total. Compare that total with what my cash savings earn in a year.
3. Calculate my monthly repayments as a share of my monthly income after tax.
   Explain what this ratio measures and the ranges commonly treated as
   comfortable or stretched.
4. For each debt tied to an asset in my snapshot, compare the balance with the
   asset's value and say where I owe more than the asset is worth.
5. Describe what a manageable debt position usually looks like for someone with
   similar income and assets, and where mine differs.
6. Name the common pitfalls for a debt profile like mine.

Show the arithmetic. If a number is missing, ask me for it instead of estimating.
This is for my understanding only: give no buy, sell or borrowing recommendations
and name no lenders or loan products.

What good output looks like

A useful answer starts with a table of your debts and a total, so you can check that nothing from your snapshot was dropped.

The interest step should show balance times rate for each debt. Say your snapshot is in euros: a 150,000 EUR mortgage at 3.9%, a car loan of 300,000 CZK (12,000 EUR at an example rate of 25 CZK to the euro) at 7.5%, and a 2,000 EUR card balance at 19%. That is about 5,850 + 900 + 380 = 7,130 EUR of interest over the next year, a little less in practice because balances fall as you repay. Against it, 9,000 EUR of savings at 2% earns 180 EUR.

The repayment share should be one figure with its working: 1,140 EUR of monthly repayments on 3,800 EUR of take-home pay is 30%. The model should say how that compares with commonly cited ranges, and that lenders in different countries measure it differently.

The asset comparison is where the whole balance sheet earns its place. Against a flat valued at 240,000 EUR, the mortgage is 62.5% of the value. The car would sell for about 10,000 EUR, so you owe 2,000 EUR more on it than it is worth.

A good answer ends with pitfalls drawn from your own figures, such as a card balance costing 19% while savings earn 2%.

What this can't tell you

The model sees only the figures you paste. It cannot read your loan contracts, so it knows nothing about early repayment fees, rate changes written into the terms or insurance bundled with a loan. Rules on early repayment differ by country and by contract.

The interest estimate is a first-year approximation from balance and rate; your lender's statement or repayment schedule is the reference. The comfortable and stretched ranges come from the model's general training, and lenders in your country may use other measures and limits. Property and car values are only as good as your estimate. Check the divisions yourself, since models slip on percentages. Whether interest on any of your loans brings tax relief depends on your country's rules, which the model cannot judge for you.

Doing this without the retyping

In Sumio, this analysis is the "Debt Analysis" prompt, one of the 62 built into the app. It starts from your net worth and uses the assets and debts you already track there, with prices and exchange rates updated automatically, so there is no snapshot to rebuild. Your records are stored on your device. Running the analysis sends the figures it needs to an AI provider to produce the answer. The AI assistant is part of Sumio Premium.