AI Prompt for Financial Health Evaluation and Solvency Check

What you need

You need your current asset totals, liability balances, and monthly spending numbers ready to paste. Distinguish liquid cash and short-term deposits from long-term investments like property equity or locked pension funds. For liabilities, include the total balances for mortgages, student loans, car financing, and revolving credit card balances.

Enter your average monthly spending in the context section. If your living costs fluctuate seasonally, calculate an average based on the last six months of bank statements. Having accurate monthly living expenses allows the model to calculate how many months of basic survival your liquid cash can support if your primary income source stops. Include regular insurance premiums and utility bills in your spending estimates so your true burn rate appears in the arithmetic.

Use the snapshot block below to organize your figures. Fill in the lines, copy the complete text, and paste it into your AI tool alongside the prompt instructions.

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. Assess the health of my position using only my
snapshot above.

1. Calculate my debt-to-asset ratio, my liquid assets as a share of total assets,
   and how many months of spending my liquid assets would cover. Show the working.
2. For each number, explain what it measures, what range people generally treat as
   comfortable, and where mine falls.
3. Name the two strongest things about my position and the two weakest, with the
   evidence for each.
4. Suggest specific ways to improve the weakest one, in order of effort required.
5. State clearly what your assessment cannot see, given the data I gave you.

Present observations before any verdict. Do not open with a score or rating.
Ask for missing figures rather than assuming them.

What good output looks like

A helpful assessment begins with three core metrics presented with their complete arithmetic formulas. First is your debt-to-asset ratio, calculated by dividing total liabilities by total assets. Second is your liquidity ratio, showing accessible cash reserves as a percentage of your total asset base. Third is your emergency runway, computed by dividing liquid cash by monthly spending to produce a concrete number of months.

For every calculated metric, the model should explain the baseline range accepted among conservative personal finance planners. It then contrasts your specific figures against those reference ranges, demonstrating whether your runway provides ample protection or leaves you vulnerable to sudden income disruptions. If your debt-to-asset ratio exceeds fifty percent, the model explains how that debt load influences your monthly cash flexibility.

The diagnosis must identify your two strongest financial pillars and your two weakest points, citing direct evidence from your balances. If you maintain low debt but hold only four weeks of cash, the output identifies that exact liquidity mismatch as a vulnerability rather than offering vague reassurance.

Next, the model should provide practical remedies for your primary weakness, arranged by the degree of effort required. Low-effort actions might include redirecting upcoming monthly savings into a high-yield deposit account. Higher-effort recommendations might address refinancing high-interest consumer loans or altering asset contribution schedules to build liquidity faster.

What this can't tell you

This prompt cannot evaluate the stability of your employment or the predictability of your household income. If you work as an independent contractor with volatile billings, standard three-month liquidity benchmarks might prove insufficient for your actual business risks.

The model cannot review insurance policies, health coverage, or contractual obligations that might offset or amplify your balance sheet risks. It does not verify the market liquidity of private assets like unlisted company shares or collectables. Language models occasionally make calculation errors when dividing complex numbers, so check the ratio arithmetic yourself. The analysis accounts only for the snapshot figures you pasted today, without knowing whether your household expenses will rise next month.

Doing this without the retyping

Gathering balances from separate banking apps, summing liquid accounts, and calculating ratios by hand takes time and quickly becomes outdated. In Sumio, this evaluation is one of sixty-two prompts built directly into the app. It runs with one tap against the balances you track, updating your runway as spending and account totals shift over time. Your records stay stored on your device, with no account required and no ads.