AI Agents
Mach jede KI zu deinem Geldhelfer.
Zwölf fertige Prompts – trag deine Zahlen ein, kopiere sie und füge sie in Claude, ChatGPT oder Gemini ein. Schutzregeln sind in jede Vorlage eingebaut.
These prompts run in YOUR AI assistant, not on this site. AI answers can be wrong or out of date — treat them as a starting draft, verify programs and rates against official sources, and remember none of it is individualized financial advice.
Budget Coach
Turns your real numbers into a first budget with observations, not judgment.
You are a kind, practical budget coach. My monthly take-home income is $3200. My fixed bills total $1750. My flexible essentials (food, fuel, household) run about $800. My main goal right now: save $1,000. Build me a simple monthly budget: list categories with amounts, show what percent of income each takes, flag anything that looks high compared with common guidelines (say which guideline and why it's only a guideline), and end with the three most impactful changes I could make this month. Plain language, no shame, no investment advice.
Debt Payoff Planner
Snowball vs. avalanche on your actual debts, with a monthly plan.
Act as a debt payoff planner. Here are my debts: Visa $3,200 at 24% min $64 Store card $900 at 16% min $25 Car loan $5,500 at 8% min $110 I can pay $150/month beyond the minimums. Show the snowball order (smallest balance first) and avalanche order (highest APR first), estimate months to freedom and total interest under each (state your assumptions), and tell me plainly what the tradeoff is in my case. Then list three things I could do to find another $50/month. Educational information only.
Bill Negotiation Script Writer
A word-for-word phone script for the bill you want lowered.
Write me a short, polite, effective phone script to negotiate my bill with my internet provider. I currently pay $79/month and have been a customer 3 years. Competitor context: 55/month new-customer rate. Include: my opening line, the exact ask, responses to 'that's the best we can do', when to ask for the retention department, and a graceful close whether I win or not. Keep it friendly and firm — I want a lower rate, not a fight.
Grocery Bill Trimmer
A week of cheap, healthy dinners built around what's on sale.
Plan one week of dinners for 4 people on a $140 grocery budget. We like: chicken, pasta, rice, beans, broccoli. Avoid: no shellfish. Give me: 7 dinners with rough per-meal cost, one consolidated shopping list organized by store section, which items to buy store-brand, what to batch-cook and freeze, and how to use leftovers. Optimize for cost per nutritious plate, not gourmet points.
Subscription Auditor
Paste your recurring charges; get a keep/cancel/rotate verdict.
Audit my subscriptions: Netflix $15.49 Spotify $11.99 Gym $34 Cloud storage $2.99 iCloud $0.99 HelloFresh $65 For each: monthly, yearly and 5-year cost; a keep / cancel / rotate / downgrade verdict with one-line reasoning; and cheaper alternatives where they exist. Finish with the total I'd save monthly and yearly if I took your verdicts, and the one cancellation I should do first.
Side Income Scout
Realistic extra-income options matched to your hours, skills and location type.
Suggest realistic ways to earn about $400/month with 8 hours a week. My skills: good with dogs, own a car, basic Excel. I live in a suburb. For each option: honest hourly range, startup cost, how fast the first dollar arrives, and the main downside. Only legal, legitimate options — no schemes, no 'pay to start' anything, no gambling. Rank by fit for my situation and end with the single best first step this week.
Savings Automation Designer
Design the transfers, accounts and names that make saving automatic.
Design my savings automation. I'm paid every two weeks on Friday and want to save about $250/month toward: emergency fund, Christmas, car repairs. Give me: how to split the amount across named goals, exact transfer timing relative to payday, whether each goal fits better in savings buckets or separate accounts, what to name them, and the one rule for windfalls. Keep it simple enough to set up in 20 minutes at any bank.
Big Purchase Analyst
A calm second opinion before any purchase over a few hundred dollars.
Be my calm second opinion on a purchase. Considering: a $1,400 e-bike. Why: commuting 6 miles each way. My money context: have $2,000 saved, no card debt, saving $200/month. Walk me through: total cost of ownership (accessories, maintenance, insurance), cost-per-use under realistic usage, what it replaces or earns, the cheaper version that does 80% of the job, the used/refurb option, and the honest 'wait 30 days' test. End with the questions I should answer before buying — don't decide for me.
Rent vs. Move Analyst
The renewal letter came. Compare staying, negotiating, and moving.
My lease renewal came in. Current rent $1450, renewal offer $1595, similar nearby listings run $1475-1550, and moving would cost about $1200 all-in. Compare my three options — accept, negotiate, move — over a 12 and 24 month horizon including moving costs and time. Draft the negotiation email citing the market listings. Tell me what renewal number makes staying clearly better, and what makes moving clearly better.
Money Plan Reviewer
Paste your plan (or this site's Money Plan output) for a friendly stress test.
Stress-test my money plan: 1. Save $500 cushion 2. Ask for APR cut 3. $150/month extra to Visa 4. Cancel $40 of subs 5. Sell the old laptop For each step: what could realistically derail it, how to make it automatic instead of willpower-based, and how I'll know it's working in 30 days. Flag anything out of order compared with the common priority sequence (essentials, minimums, small cushion, employer match, high-interest debt, full emergency fund, investing) and say why order matters in my case. Encouraging, specific, zero fluff.
Scam Checker
Paste any suspicious money message and get the pattern analysis.
Analyze this for scam patterns: "Text says my bank account is locked and I must verify at a link within 30 minutes" Check it against the classic markers: urgency, authority costume, unusual payment rails (gift cards, wire, crypto), secrecy demands, too-good math, and pay-to-earn. Verdict with confidence level, the specific tells, what a legitimate version of this contact would look like, and exactly what I should do next — including the callback rule (find the official number myself) and where to report it (ReportFraud.ftc.gov in the US). Never tell me it's safe to click anything.