# Ask about your financeswith example AI prompts

Browse example prompts for spending, bills, budgets, goals, and check-ins. Copy one, paste it into any AI you already use.

Canonical URL: https://warm.io/kitchen/

# 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.

[Create account](https://app.warm.io/signup) [Create API key](https://app.warm.io/settings?section=data)

## Prompt recipesfor questions about your finances.

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

AllSpendingRecurringBudgetsNet worthCheck-insCreative

-   ### 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](/blog/subscription-audit-with-warm-mcp) or [monthly spending review](/blog/monthly-spending-review-with-warm-mcp). Read [what your AI client can access](/developers/mcp-permissions).

## 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](https://app.warm.io/signup) [Create API key](https://app.warm.io/settings?section=data)

Run this command after creating your API key.