Prompt details

Tested on

Claude Opus 5.5

Length

589 words · 4 fill-ins

Example input

[About you]: I'm 31, single, no kids, and live in San Antonio, Texas, with my dog. I'm a full-time registered nurse at a hospital. My employer offers a 403(b) and matches dollar for dollar up to 4% of pay; I put in 2% right now. Health insurance is through work. I think the hospital offers short-term disability cover; I don't know about long-term. No will, and my 403(b) beneficiary is my mom (set up 6 years ago).

[Income and monthly spending]: Salary $82,000 a year. Take-home pay is $4,860 a month after tax, health insurance and my 2% 403(b). Monthly spending: rent $1,350 (water included), electric $140, phone $70, internet $60, car insurance $125, gas $140, groceries $420, eating out $310, subscriptions $55, dog $90, gym $30, scrubs and work shoes about $35, personal and household $200, student loan $165, credit card minimum $65. Once a year: gifts and holidays about $900, car registration and inspection about $100.

[What you own and owe]: Checking: $1,800 High-yield savings: $3,000 (my only emergency money) 403(b): $19,500 in a target date fund Car: 2019 Toyota Corolla, paid off, worth about $14,000 Federal student loans: $14,000 at 5.5%, $165 a month, about 9 years left Credit card: $2,100 at 24.99%; I pay the minimum, sometimes a bit more

[Goals with amounts and dates]: 1. Buy a home in San Antonio in about 3 years, around $280,000. I'd like a 5% down payment plus closing costs, and some cash left after moving in. 2. A trip to Japan in 14 months, about $4,000. 3. Pay off the credit card. 4. Start saving properly for retirement. 5. Maybe go back to school for a nurse practitioner degree in 4 or 5 years. Not decided.

Example output

1. Snapshot

Item	Amount
Checking	$1,800
High-yield savings (emergency)	$3,000
403(b)	$19,500
Car (2019 Corolla, est.)	$14,000
Total assets	1,800 + 3,000 + 19,500 + 14,000 = $38,300
Federal student loans (5.5%)	$14,000
Credit card (24.99%)	$2,100
Total debts	14,000 + 2,100 = $16,100
Net worth	38,300 − 16,100 = $22,200

Monthly spending: 1,350 + 140 + 70 + 60 + 125 + 140 + 420 + 310 + 55 + 90 + 30 + 35 + 200 + 165 + 65 = $3,255. Surplus: 4,860 − 3,255 = $1,605/month.
Yearly costs: 900 + 100 = $1,000, which is $1,000 ÷ 12 = $83.33/month. The plan sets aside $84 for these, so $1,521 is free for goals.
Essentials are everything except eating out, subscriptions, gym and scrubs: 3,255 − 310 − 55 − 30 − 35 = $2,825/month. Savings of $3,000 ÷ 2,825 = 1.06 months covered. Adding checking gives 4,800 ÷ 2,825 = 1.70 months. If you lost your job, replacing health insurance would add more [add COBRA or marketplace premium estimate].

*Assumptions (one line each):*

Your 403(b) is pre-tax (traditional), and your federal bracket is about 22% (confirm the current figure). Texas has no state income tax (confirm).
The $900 of holiday spending is spread across the year. Next month is holiday season, so if it all lands in Month 1, the card payoff slips to Month 3 and every later goal starts one month later.

2. Goals

Goal	Cost	Months away	Monthly needed	Fits now
Pay off credit card	$2,100 plus about $58 interest	2	~$1,479 (Months 1–2)	Yes
Emergency fund to 3 months	3 × 2,825 = $8,475. You have $3,000, so 8,475 − 3,000 = $5,475 to go	14	$5,475 ÷ 14 = $391	Partly (reached in Month 14; 6 months = $16,950 does not fit)
Japan trip	$4,000	14	4,000 ÷ 14 = $285.71 if started now. Starting Month 3: 4,000 ÷ 12 = $333.33	Yes

Claude Opus 5.5

Plan Your Finances – Personal financial plan prompt for ChatGPT and Claude

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Claude Opus 5.5

This prompt turns your whole money picture into a 12-month plan. Paste your situation, income and spending, what you own and owe, and your goals; you get a snapshot, a priority order, a monthly allocation and adviser questions.

What you get

A snapshot of net worth, monthly surplus and how many months of essentials your savings cover
Each goal priced per month, with the trade-offs spelled out where goals compete
A priority order and a monthly allocation that adds up to your surplus
A month-by-month plan, insurance and estate gaps, and questions for a fee-only planner

How to use it

1
Gather the numbers
Collect each account balance, each debt with its rate and payment, a month of spending, and your benefits summary, especially any retirement match and disability cover.
2
Read the trade-offs first
Look at where goals compete before the plan itself. If you would rank them differently, say so and run it again.
3
Fill the gaps, then get it reviewed
Replace every placeholder with a real figure, then bring the plan and its questions to a fee-only fiduciary planner or tax preparer before big moves.

Better results

Paste the key lines of your benefits summary into About you. A retirement match, disability cover or tuition aid you had forgotten can change the order of the whole plan.
Follow up with: "Show the plan if I keep a 6-month emergency fund instead." It shows which goal slips and by how much.
Run it again every six months, or after a raise, a move or a new debt, with the new figures.

Questions

Can ChatGPT make a financial plan?

Yes, ChatGPT can draft a financial plan from your own figures: net worth, cash flow, goals and a priority order. It cannot see your accounts, current rates or the fine print of your benefits, so treat it as a draft and take big decisions to a fee-only fiduciary planner.

What should a personal financial plan include?

A personal financial plan should include where you stand (net worth and monthly surplus), each goal with its cost and timeline, a priority order, where each month's surplus goes, insurance and estate gaps, and a schedule of actions. This prompt produces each of those parts.

Is financial advice from AI reliable?

AI is reliable for the arithmetic and for organising a plan when you give it accurate numbers. It is not a licensed adviser: it cannot know current rules or your full situation, and it can be wrong. Check its figures and get personal advice from a fiduciary.

What is a fee-only fiduciary financial planner?

A fee-only fiduciary planner is paid only by you, not by commissions on products, and has a duty to act in your interest. Some offer one-off plan reviews for a flat fee, which suits checking a plan drafted with this prompt.

Updated 8 Nov 2026