Analyze your spending to find hidden money leaks and opportunities to save
I want to audit my expenses to find places where I can cut back and save money. My monthly take-home income is [MONTHLY_INCOME]. Here are my recent monthly expenses by category: [EXPENSE_LIST] (list category and approximate monthly amount for housing, utilities, food, transportation, subscriptions, entertainment, etc.) Or paste a summary from your bank or budgeting app: [BANK_SUMMARY?] My current financial priorities: [PRIORITIES:select:build savings,pay off debt,reduce lifestyle creep,prepare for a big expense,just curious where money goes,need to cut spending urgently]. Expenses I am unwilling to cut: [NON_NEGOTIABLES?] Analyze my spending and identify expenses that seem high compared to typical benchmarks, categories where I might be overspending, subscriptions or recurring charges I might have forgotten about, opportunities to negotiate or find better rates, small daily expenses that add up significantly, and specific recommendations for reducing spending in each category. Prioritize the changes that would make the biggest impact with the least lifestyle sacrifice. Calculate how much I could save with each recommendation.
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Get Early AccessMoney disappears. You earn enough on paper, but at the end of the month there is nothing left to save. The problem is rarely one big expense. It is dozens of small ones that add up without you noticing.
It audits your spending by analyzing your [EXPENSE_LIST] against typical benchmarks for your [MONTHLY_INCOME] level. The AI identifies where you are overspending, which subscriptions you might have forgotten about, and where you could negotiate better rates. Each recommendation comes with a dollar estimate of how much you would save.
The audit prioritizes changes based on your [PRIORITIES], focusing on the biggest impact with the least lifestyle sacrifice. Cutting a $200 overspend on dining out is more useful advice than suggesting you cancel a $5 streaming service. The AI separates easy wins from changes that require more effort, so you can start with the quick ones.
If the audit reveals you need a full budget, the Monthly Budget Builder creates one from scratch. For recurring charges specifically, the Subscription Audit Master digs deeper into your subscriptions. Organize your audit findings in the Dock Editor to track which changes you have implemented.
Copy this template into ChatGPT, Claude, Gemini, or the Dock Editor to get started.
Replace [MONTHLY_INCOME] with your take-home pay. List your expenses by category in [EXPENSE_LIST]: housing, utilities, food, transportation, subscriptions, entertainment, and anything else. Approximate amounts are fine. Alternatively, paste a bank summary into [BANK_SUMMARY?].
Choose [PRIORITIES] to guide the analysis. 'Build savings' gets different recommendations than 'need to cut spending urgently.' The AI weighs its suggestions based on what matters to you.
List expenses you will not cut in [NON_NEGOTIABLES?]. Maybe your gym membership is non-negotiable because it keeps you sane. The AI respects those boundaries and focuses recommendations on everything else.
The audit ranks recommendations by savings impact. Start with the top two or three. Many are one-time actions (switching providers, canceling unused services) that save money every month once done. Track your savings to stay motivated.
Find out where your money actually goes before creating a budget. The audit gives you real data to work with instead of guessing at category amounts.
Check if lifestyle creep is eating your raise. Compare your current spending to your pre-raise habits and see where the extra money went.
Audit combined spending to find places where both partners can cut back without conflict. Seeing the numbers objectively makes financial conversations easier.
Find money fast when you need to build savings quickly. Set [PRIORITIES] to 'need to cut spending urgently' for the most aggressive recommendations with the highest dollar impact.
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