Ask about your finances
with example AI prompts

First, copy a prompt into an AI tool and add only the numbers you want to share. You can also connect Warm MCP to let a supported tool read your synced data.

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Prompt recipesfor questions about your finances.

Copy a prompt into your AI client. Connect Warm MCP for synced data, or supply the numbers yourself.

  • Three-month spending shift

    Find the categories that changed across three complete months.

  • Where did discretionary spend go?

    Break down dining, shopping, and travel for the last 30 days.

  • Income vs spend trend

    See whether spending is tracking above or below income lately.

  • Weekend vs weekday pattern

    See whether weekends drive most of your flexible spending.

  • Subscription price changes

    Find recurring charges that increased recently.

  • Bills due this week

    See what is coming out of checking before payday.

  • Overlapping subscriptions

    Find overlapping streaming, storage, or software charges.

  • Annual vs monthly billing

    Spot subscriptions billed yearly that may be easy to forget.

  • Budget status

    See which budgets are on track and which need attention.

  • Savings goal gap

    Calculate how far you are from a target and a monthly pace to close it.

  • Emergency fund gap

    Measure progress toward six months of essential expenses.

  • Overspend recovery plan

    Get a practical plan after going over budget mid-month.

  • Net worth snapshot

    Summarize assets, debt, and net worth movement this month.

  • Estimate how long available cash may last

    Estimate how long cash covers average monthly essential expenses.

  • Debt paydown order

    Compare avalanche vs snowball with actual balances.

  • Asset mix snapshot

    See how cash, investments, and other assets are balanced.

  • Weekly money check-in

    Review cash, upcoming bills, budget status, and recent changes.

  • Month-end review

    Close the month with income, spend, and savings rate.

  • Mid-month budget review

    Compare spending with budget targets before the month ends.

  • Quarterly financial snapshot

    Review spending, savings, and net worth for the last 90 days.

  • Checking balance scenario

    Compare a checking balance with known bills and a buffer you choose.

  • Annual cost of one subscription

    See what one recurring charge adds up to over a year.

  • Interest-rate scenario

    Calculate an illustration using a balance and rates you supply.

  • Paycheck allocation

    Divide your next paycheck into groups you choose.

  • Compare income and spending growth

    Compare changes in income and spending over the last year.

Keep sensitive details private.

Use recipes to ask clearer questions. Anonymize sensitive details before pasting into any AI. Verify numbers yourself. Warm does not provide financial advice.

Start with a subscription review or monthly spending review. Read what your AI client can access.

Connect synced data to your AI client.

Create a Warm account and an API key in Settings → Export & API. Run the install command below. Supported AI apps can then read your connected money data. You still approve any changes in Warm.

Create account
Run this command after creating your API key.