AI Prompt for a Five-Minute Weekly Money Review

What you need

You need your current snapshot figures alongside your totals from seven days ago. You also need a brief note describing any transfers, asset sales, purchases, or extra debt repayments executed during the past seven days.

Directly below the snapshot block, provide these two comparative lines: - Last week: net worth [amount], total assets [amount], total liabilities [amount] - Anything I added, sold or repaid this week: [describe, or "nothing"]

If market movements were flat and you completed no transactions, simply write "nothing" in the activity line. This prompt functions best when you use the exact same currency and account grouping method from week to week, preventing artificial reporting discrepancies. Note whether your portfolio experienced significant capital additions like salary deposits or asset transfers so the model can evaluate personal savings contribution versus market price action.

The snapshot template below organizes your balance sheet. Fill in your figures, append the prior week lines, and paste everything with the prompt below.

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 financial analyst. Here is my snapshot above, plus last week's
figures below.

Last week: net worth [amount], total assets [amount], total liabilities [amount]
Anything I added, sold or repaid this week: [describe, or "nothing"]

1. Give two to four observations about what changed, with both the absolute and the
   percentage move.
2. Separate what moved because of market prices from what moved because of something
   I did.
3. Explain why the most important of those changes matters.
4. Highlight the single thing that stands out this week. If the week was quiet, say
   so and explain why.
5. Finish with one measurable item to watch next week, and what change in it would
   be worth acting on.

Keep it short. Observations before conclusions. No trading suggestions.

What good output looks like

The output should begin with two to four tight observations comparing this week against last week. Every observation must pair an absolute currency shift with an exact percentage move. For example, it might state that total assets increased by twelve hundred euros, representing a one point four percent gain over seven days.

The second section must perform attribution analysis. It distinguishes organic behavior from market volatility. If your net worth rose by fifteen hundred euros while you transferred five hundred euros into an index tracker, the model notes that five hundred euros came from personal savings discipline while one thousand euros was driven by asset market fluctuations.

Next, the model explains why the primary shift matters for your financial trajectory. It focuses on permanent balance sheet improvements, like paying down loan principal, rather than celebrating temporary equity market bounces that could reverse next week.

The fourth section identifies the single factor that defined your week. If broad markets moved less than half a percent and you executed no transactions, the response states plainly that the week was quiet and explains why periods of market consolidation are normal in long-term wealth accumulation.

It concludes with a concrete trigger to watch next week, such as a variable loan rate announcement or credit card billing cycle.

What this can't tell you

This prompt examines a short seven-day window, meaning it captures transient market noise rather than durable structural trends. A sharp weekly rise or decline in equity prices does not indicate whether your long-term asset allocation is working.

The model cannot verify whether individual transaction records are complete or whether an unrecorded credit card purchase cleared after you copied your snapshot. It has no insight into pending tax refunds, delayed bank wire transfers, or unvested company stock. Language models occasionally make sign errors when reporting gains versus losses, so confirm whether percentage moves are positive or negative. The analysis serves as a weekly accountability tool rather than active trading advice.

Doing this without the retyping

Maintaining a weekly financial review with external chat tools requires typing prior-week balances and re-entering new totals every Sunday. In Sumio, this weekly check-in is one of sixty-two prompts built directly into the app. It tracks weekly balance changes with one tap against the holdings you already log, calculating weekly moves automatically. Your financial records stay stored on your device, with no account required and no ads.