# 62 Free AI Financial Prompts for Personal Wealth and Portfolio Analysis

> Sixty-two battle-tested personal finance prompts for evaluating net worth, asset allocation, liabilities, and investments using ChatGPT, Claude, Gemini, or any LLM.
> Published by Fiduciary s.r.o. under Creative Commons Attribution 4.0 International (CC BY 4.0).

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## License & Sharing

These prompts are free to copy, adapt, and share under the **Creative Commons Attribution 4.0 International (CC BY 4.0)** license.
You are free to share and adapt the material for any purpose, even commercially, as long as you give appropriate credit to [Sumio](https://www.sumio.app/) (Fiduciary s.r.o.) and provide a link back to https://www.sumio.app/prompts.

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## Privacy Guidelines Before Pasting Data

When you paste numbers into external AI chatbots (such as ChatGPT, Claude, or Gemini):
1. **Remove identifying details**: Do not include your real name, account numbers, employer, or bank names.
2. **Round your numbers**: Round figures to the nearest $500, $1,000, or €1,000. Sizing ratios and percentages remain mathematically identical without exposing exact balances.
3. **Remember third-party privacy**: External AI providers may log prompts according to their consumer terms.
4. **Sumio alternative**: In the Sumio mobile app, all 62 prompts run directly against your on-device encrypted portfolio without copying and pasting account numbers.

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## Universal Financial Snapshot Template

Paste this block above any prompt below, replacing the bracketed values with your rounded figures in a single currency:

```text
[FINANCIAL SNAPSHOT]
Date: [YYYY-MM-DD]
Base Currency: [USD / EUR / CZK / GBP / CAD]

ASSETS:
- Cash & Emergency Fund: [Amount]
- Public Equities (Stocks & ETFs): [Amount]
- Retirement Accounts (Pension / 401k / IRA): [Amount]
- Real Estate (Primary Residence Gross Value): [Amount]
- Real Estate (Investment Property): [Amount]
- Cryptocurrencies & Digital Assets: [Amount]
- Precious Metals: [Amount]
- Other Assets / Private Investments: [Amount]

LIABILITIES:
- Primary Mortgage Balance: [Amount] (Interest Rate: [X]%, Term Remaining: [Y] years)
- Investment Property Mortgage: [Amount] (Interest Rate: [X]%)
- Vehicle Loans: [Amount] (Interest Rate: [X]%)
- Student Loans: [Amount] (Interest Rate: [X]%)
- Credit Card & Consumer Debt: [Amount] (Interest Rate: [X]%)
- Other Liabilities: [Amount]
```

---

## 1. Net Worth & Holistic Wealth Planning

### Prompt 1.1: Net Worth Summary
```text
You are a personal finance analyst. Using only my snapshot above:
1. Calculate my net worth, total assets, and total liabilities. Show the arithmetic.
2. Identify the three largest contributors to my assets and the largest contributor to my debt, calculating each share as a percentage of the total.
3. Explain in plain language what each figure measures and why it matters.
4. Describe what a balanced balance sheet looks like for someone in a comparable situation, highlighting where mine sits inside or outside that.
5. Finish with one observation I would likely miss on my own.
Give no buy or sell recommendations.
```

### Prompt 1.2: Asset Allocation Review
```text
Analyze the distribution of my assets from the snapshot:
1. Group my holdings into primary asset classes (Cash, Equities, Real Estate, Debt, Speculative).
2. Calculate the exact percentage weight of each asset class relative to total assets.
3. Compare my distribution against standard balanced allocations.
4. Identify any structural concentration risks (e.g. over 50% in real estate or single stocks).
5. Suggest two neutral rebalancing adjustments to consider over time.
```

### Prompt 1.3: Financial Health Check
```text
Evaluate my overall balance sheet solvency:
1. Calculate my Debt-to-Asset ratio and Liquid Net Worth (total liquid assets minus short-term liabilities).
2. Calculate my emergency reserve runway assuming standard monthly living expenses of [Amount].
3. Assign an objective solvency rating (Strong, Moderate, Vulnerable) and explain the arithmetic behind it.
4. List the single most urgent risk factor on this balance sheet.
```

### Prompt 1.4: Estate Planning Introduction
```text
Review my asset and liability structure from an estate planning perspective:
1. Identify which assets would require probate versus direct beneficiary designation.
2. Highlight any liabilities that survive or require settlement upon estate transfer.
3. Provide a neutral checklist of three fundamental documents (Will, Healthcare Directive, Power of Attorney) to discuss with a qualified attorney.
```

### Prompt 1.5: Asset Class Exploration
```text
Based on the current mix of assets in my snapshot:
1. Explain the underlying economic behavior of each asset class present (inflation protection, growth, income, volatility).
2. Identify one major asset class missing from my portfolio (e.g. fixed income, international equities) and explain how it historically interacts with my existing holdings.
```

### Prompt 1.6: Savings Strategies Introduction
```text
Evaluate my liquid cash reserves relative to my total net worth:
1. Calculate my cash-to-net-worth ratio.
2. Outline the difference between an emergency buffer, a sinking fund, and surplus dry powder for investment.
3. Provide a structured framework for deploying surplus cash without timing the market.
```

### Prompt 1.7: Portfolio Creation Introduction
```text
Review my current holdings for a beginner-to-intermediate investor:
1. Explain how to transition from individual ad-hoc purchases into a unified, repeatable portfolio strategy.
2. Outline the trade-offs between a 3-fund total market portfolio and a multi-asset allocation model.
```

---

## 2. Total Assets & Concentration Management

### Prompt 2.1: Explain My Portfolio
```text
Explain my complete asset portfolio as if explaining to a non-expert:
1. What does this portfolio actually own in the real economy?
2. How does it make money over a 10-year cycle?
3. Where is it most vulnerable if inflation surges or interest rates stay elevated?
4. Summarize the portfolio's character in one concise sentence.
```

### Prompt 2.2: Diversification Check
```text
Audit my portfolio for hidden overlap and geographic concentration:
1. Examine my equity, property, and cash holdings for single-country or single-sector dependency.
2. Highlight if a single asset accounts for more than 20% of my total net worth.
3. Explain the diversification benefit of adding non-correlated global index assets.
```

### Prompt 2.3: Portfolio Risk Review
```text
Stress-test my portfolio against historical market drops:
1. Estimate the drawdown of my portfolio during past market corrections (e.g. 2008 financial crisis, 2020 crash, 2022 inflation shock).
2. Which specific asset would decline the most, and which would provide buffer?
3. What steps can I take today to prevent emotional panic during future drops?
```

### Prompt 2.4: Total Assets Summary
```text
Provide a concise, ranked inventory of all assets listed in my snapshot from largest to smallest, showing nominal value and percentage of total assets.
```

### Prompt 2.5: Asset Inventory and Assessment
```text
Categorize all assets in my snapshot by liquidity speed:
1. Immediate liquidity (under 48 hours).
2. Moderate liquidity (3-30 days).
3. Illiquid (over 60 days to convert to cash at fair market value).
Calculate the percentage of each liquidity tier.
```

### Prompt 2.6: Asset Categories Insights
```text
Examine the balance between growth-oriented assets (equities, crypto, real estate) and preservation-oriented assets (cash, short-term bonds, gold). What does this ratio indicate about my implied risk tolerance?
```

### Prompt 2.7: Assets Planning Insights
```text
Project the 5-year and 10-year growth of my total asset base assuming modest 5% annual compound growth, showing the mathematical trajectory.
```

### Prompt 2.8: Asset Growth Strategies
```text
Compare two long-term strategies for my asset mix: dollar-cost averaging into broad global equities versus paying down outstanding debt principal.
```

### Prompt 2.9: Asset Category Summary
```text
Summarize each asset category on my balance sheet with its historical risk profile and expected volatility.
```

### Prompt 2.10: Asset Category Explained in Plain Language
```text
Choose the most complex holding in my snapshot and explain its operational mechanism, cash flow source, and primary risk in three plain paragraphs.
```

---

## 3. Debt & Liabilities Optimization

### Prompt 3.1: Debt Payoff Plan
```text
Using the liabilities section of my snapshot:
1. Rank all debts by interest rate (Avalanche method) and by balance size (Snowball method).
2. Calculate the total monthly interest cost across all loans.
3. Compare the total interest paid and psychological differences between Avalanche and Snowball.
4. Recommend which single liability to target first and explain why.
```

### Prompt 3.2: Debt Management and Reduction Strategies
```text
Analyze my total debt burden relative to my liquid assets. Is my current debt load sustainable if my primary income is interrupted for six months?
```

### Prompt 3.3: Loans and Mortgages Guidance
```text
Evaluate my mortgage balance and interest rate:
1. How does my mortgage interest rate compare to current risk-free cash yields?
2. What are the financial trade-offs of making extra principal payments versus investing that cash into a low-cost global ETF?
```

### Prompt 3.4: Loan Types and Product Selection
```text
Review the mix of secured debt (mortgages, auto) versus unsecured debt (credit cards, personal loans) in my snapshot. What does this mix mean for my legal liability?
```

### Prompt 3.5: Liability Categories Insights
```text
Calculate what percentage of my total monthly cash flow is consumed by debt service, and benchmark it against healthy personal finance guidelines.
```

### Prompt 3.6: Liability Management Insights
```text
Identify any variable-rate liabilities in my snapshot and estimate the monthly payment increase if interest rates rise by 150 basis points.
```

### Prompt 3.7: Liabilities Summary
```text
Generate a clean summary table of all liabilities in my snapshot: Creditor/Type, Balance, Interest Rate, and Share of Total Debt.
```

### Prompt 3.8: Liability Category Summary
```text
Explain the structural difference between productive leverage (e.g. fixed-rate mortgage on cash-flowing real estate) and consumer debt (auto loans, credit cards) in the context of my numbers.
```

---

## 4. Stocks, ETFs & Funds

### Prompt 4.1: Value Investing Evaluation
```text
Analyze a specific stock or fund holding [Insert Symbol/Name]:
1. What are its core business drivers, operating margins, and balance sheet debt levels?
2. How does its price-to-earnings and price-to-free-cash-flow compare to historical industry averages?
3. What is the fundamental margin of safety for this business?
Give no buy or sell advice.
```

### Prompt 4.2: Market Data Summary (Stocks)
```text
Summarize the key financial metrics of [Insert Stock/ETF]: 52-week price range, dividend yield, expense ratio (if fund), and beta.
```

### Prompt 4.3: Financial Statements Overview
```text
Explain how to read the three primary financial statements (Income Statement, Balance Sheet, Cash Flow Statement) for [Insert Company]. Which line items indicate financial health?
```

### Prompt 4.4: Market Trends and Insights
```text
Explain the current macroeconomic environment affecting [Insert Sector/Index] and what structural factors drive its medium-term performance.
```

### Prompt 4.5: Typical Investment Strategies
```text
Compare active stock picking versus passive index investing in terms of historical net performance after fees and taxes over a 20-year horizon.
```

### Prompt 4.6: Investment Analysis
```text
Evaluate the competitive moat and primary business risks of [Insert Company] using Michael Porter's Five Forces framework.
```

### Prompt 4.7: Holding Explained in Plain Language
```text
Explain what [Insert ETF/Fund Name] actually holds inside its basket and how its index weighting methodology works.
```

---

## 5. Cryptocurrencies & Digital Assets

### Prompt 5.1: Crypto Risk Check
```text
Evaluate the cryptocurrency allocation in my snapshot:
1. Calculate crypto as a percentage of my total net worth and liquid net worth.
2. If this allocation fell by 80% tomorrow, how would it impact my solvency and lifestyle?
3. Assess the custody risk (exchange custody vs self-custody hardware).
4. Outline a disciplined rebalancing rule to lock in gains or limit loss.
```

### Prompt 5.2: Cryptocurrency Insights
```text
Explain the core economic distinction between monetary digital assets (like Bitcoin) and smart-contract utility protocols (like Ethereum).
```

### Prompt 5.3: Market Data Summary (Crypto)
```text
Summarize the circulating supply, maximum supply cap, and historical volatility cycles of [Insert Token Name].
```

### Prompt 5.4: Cryptocurrency Fundamentals
```text
What are the fundamental on-chain adoption metrics and network security mechanisms behind [Insert Blockchain Protocol]?
```

### Prompt 5.5: Cryptocurrency Evaluation
```text
Assess the regulatory and technology attack surfaces facing [Insert Cryptocurrency Project].
```

---

## 6. Smart Routine & Actionable Insights

### Prompt 6.1: Weekly Money Check-In
```text
Using my snapshot, guide me through a 5-minute financial review:
1. Did my net worth move primarily from asset price changes or debt reduction?
2. Are my cash reserves at target?
3. Name one financial distraction to avoid this week.
```

### Prompt 6.2: Long-Term Goal Progress
```text
Based on my current net worth of [Amount] and my goal of reaching [Target Amount] by [Year], calculate the required monthly savings and compound rate.
```

### Prompt 6.3: Today's Most Important Insight
```text
Scan my snapshot and identify the single most impactful financial variable currently determining my long-term wealth trajectory.
```

### Prompt 6.4: One Financial Concept for You
```text
Based on my balance sheet composition, explain one advanced financial concept (e.g. sequence of returns risk, asset location, real versus nominal return) relevant to my situation.
```

### Prompt 6.5: Financial Habit Progress Review
```text
Help me review my financial habits over the past quarter: savings rate, debt repayment velocity, and portfolio maintenance.
```

### Prompt 6.6: Items Worth Another Look
```text
Highlight any line item in my snapshot that looks unusually large or small compared to a healthy baseline.
```

### Prompt 6.7: The Question Your Data Raises
```text
Formulate the single most important question my personal balance sheet raises that I should reflect on before making my next major purchase.
```

### Prompt 6.8: Weekly Asset Check-In
```text
Review my largest non-cash asset and summarize the key economic indicators to monitor over the coming month.
```

### Prompt 6.9: Asset Long-Term Goal Progress
```text
Track how my investment portfolio trajectory compares to the rule of thumb of accumulating 25 times annual living expenses for retirement.
```

### Prompt 6.10: Today's Most Important Asset Insight
```text
What is the primary risk factor threatening my primary wealth-generating asset over the next business cycle?
```

### Prompt 6.11: One Concept for This Asset
```text
Explain the concept of duration risk for fixed income, or valuation multiple compression for equities, in simple terms.
```

### Prompt 6.12: The Question This Asset Raises
```text
If I could not sell my single largest asset for the next seven years, would I still feel comfortable holding it today?
```

---

## 7. Long-Term Planning & Milestones

### Prompt 7.1: Wealth Building Strategy
```text
Create a phased long-term roadmap based on my snapshot:
Phase 1: Emergency buffer and toxic debt elimination.
Phase 2: Systematic equity accumulation and tax-advantaged account funding.
Phase 3: Balance sheet optimization and asset protection.
Map my current numbers into these phases.
```

### Prompt 7.2: Retirement Readiness
```text
Evaluate my retirement readiness:
1. Estimate my sustainable annual retirement income using the 4% safe withdrawal guideline applied to my invested assets.
2. Compare that against estimated future living costs of [Amount] per year.
3. Calculate the retirement savings gap and the required monthly contribution to bridge it over [X] years.
```

### Prompt 7.3: Financial Independence (FIRE)
```text
Calculate my Financial Independence number (25x annual expenses). Based on my current liquid net worth and monthly savings rate of [Amount], estimate how many years remain until reaching financial independence at a 5% real return.
```

### Prompt 7.4: Financial Goal Setting
```text
Help me structure three prioritized financial goals (1-year, 5-year, and 10-year) grounded directly in my current balance sheet numbers.
```

### Prompt 7.5: Compound Growth Projection
```text
Calculate the future value of my invested assets after 10, 20, and 30 years, modeling three scenarios: conservative (4% annual return), moderate (6% annual return), and optimistic (8% annual return).
```

---

## 8. Precious Metals

### Prompt 8.1: Market Insights (Precious Metals)
```text
Explain the role of gold and silver in a multi-asset portfolio: inflation hedge, currency debasement insurance, and opportunity cost relative to dividend-paying assets.
```

### Prompt 8.2: Market Data Summary (Precious Metals)
```text
Summarize historical gold and silver price performance during past stagflationary periods (such as the 1970s).
```

### Prompt 8.3: Market Trends (Precious Metals)
```text
What are the trade-offs between holding physical allocated gold bullion versus gold exchange-traded commodities (ETCs)?
```

---

## 9. Foreign Exchange & Custom Indicators

### Prompt 9.1: Market Data Summary (Forex)
```text
Explain how currency fluctuations impact an international investor holding foreign equities when reporting in [Base Currency].
```

### Prompt 9.2: Insights (Custom Indicator)
```text
Help me design a custom financial indicator: calculate my Liquid Assets to Total Debt ratio and explain why keeping it above 1.0 provides resilience.
```

### Prompt 9.3: Summary (Custom Indicator)
```text
Evaluate my Debt-to-Equity ratio: Total Liabilities divided by Net Worth. What does a ratio above 2.0 mean for financial risk during an economic recession?
```

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*This document is general information, not financial or legal advice. Published by Fiduciary s.r.o. under CC BY 4.0.*