AI Prompt to Check Whether Your Saving and Debt Habits Are Improving

What you need

Paste the snapshot template on this page with today's figures, then add three lines about what you did over the last 6 to 12 months:

• Monthly additions, last 6 to 12 months: [amount per month, e.g. "Jan 400, Feb 400, Mar 0"]
• Extra debt repayments: [amounts beyond the required installments, or "none"]
• Sales or switches: [what you sold or moved and why, or "none"]

Month-by-month figures matter more than the total. €4,800 saved as twelve steady payments of €400 tells a different story from €4,800 saved in two lumps after bonuses, and the model can only see the difference if you list the months. A statement export or your standing order history is usually the quickest source.

The sales line is about turnover. Give the reason for each sale: "rebalanced as planned" and "sold after a bad week" read differently, and the second is a habit worth knowing about. Leave the reason out and the model has to mark the sale as unclear.

If you want the review for one part of your finances only, for example your pension savings or your mortgage, paste that part of the snapshot and describe only the activity that touched it.

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 habits coach. Using only my snapshot above and the activity
below, judge whether my money habits are improving.

Monthly additions, last 6 to 12 months: [month by month]
Extra debt repayments: [amounts, or "none"]
Sales or switches: [what and why, or "none"]

1. Give two or three observations about saving regularity, debt repayment, cash
   reserves or trading. For each, state the evidence, explain it in plain words,
   and say whether it looks driven by my behavior, by markets, or is unclear.
2. Classify the overall trend as improving, broadly consistent, mixed, or not
   yet measurable, and explain why. No scores.
3. Name one habit that is going well, without exaggerating.
4. End with one controllable habit to keep developing and one simple way to
   practice it. Nothing after that.

Never count a rise in prices as discipline. If a number is missing, ask me for it
rather than estimating. No buy or sell recommendations and no product picks.
This is educational, not advice.

What good output looks like

A good answer treats each observation as evidence first and judgement second. Say you added €400 in nine of the last twelve months and nothing in three, repaid an extra CZK 60,000 on a koruna mortgage, and sold one ETF after a 6% drop in March without giving a reason. The model should say that you saved in 75% of months, €3,600 in total; that the extra CZK 60,000 on the mortgage was your choice, so it counts as behavior; and that the March sale is unclear, since a drop followed by a sale can be a reaction or a plan.

The classification should be one of the four words, with a reason in a sentence or two. "Improving" needs evidence over time, such as larger or more regular additions in the second half of the year than in the first. If the record is broadly consistent or mixed, a good model says so plainly instead of rounding up.

The habit that is going well should be specific: "you saved in nine of twelve months" beats "you are doing great". The closing habit should be small enough to start this month, for example moving the standing order to the day after payday so the empty months do not repeat. Anything after that final section means the model ignored the format.

What this can't tell you

The model sees only what you list. Saving that went into an account you left out of the snapshot looks like a missed month. It cannot read intent, so a planned sale and a panicked one look the same unless you say which it was.

Twelve months is a short record for habits. A job change or parental leave can make a year look worse without any change in discipline. The model cannot tell whether your saving rate suits your income, family or country, or what tax relief your pension contributions get where you live. Arithmetic on monthly lists goes wrong often, so add up the months yourself before you trust the percentages.

Doing this without the retyping

Sumio includes this review as one of its 62 built-in prompts, named "Financial Habit Progress Review". It runs on your net worth, assets, debts or one category, using the holdings and balances you already track there, so you do not copy figures into a chat window for each run. You enter holdings yourself, and prices update automatically. Your records are stored on your device, and running the review sends the figures it needs to an AI provider. The AI assistant comes with Premium.