12 prompts for ChatGPT, Claude or Gemini to check your own bank and card statements, payslips, loan offers and insurance policies, and to read company results. Each one tells the AI to show its working, ask instead of guessing, and leave every buy or sell decision to you.
Free to copy and adapt. Education only, not financial, tax or investment advice.
Before you paste anything
Remove identifiers: PAN, Aadhaar, account and card numbers (keep the last four digits if you need them), address, phone and email.
Never share an OTP, password, PIN, CVV or full card number, in any chat.
Check your AI app's data settings, and delete the chat when you are done.
Square brackets in a prompt, such as [MONTHS], are for you to fill in.
Bank & cards
Audit a bank statement
See where the money went, and catch charges and subscriptions you forgot.
You need
One to three months of statements as CSV, Excel or PDF, downloaded from net banking.
Remove first
Account number, customer ID, address, phone and email. Replace the names of people you pay with roles such as "landlord".
I'm sharing my bank account statement for [MONTHS]. Please audit it.
1. Categorize every debit: rent, groceries, food delivery, shopping, travel, utilities, EMIs, insurance, investments, transfers to family, cash withdrawals, bank charges and other. Give a table with each category's total and its share of my spending.
2. List every recurring payment (same payee, similar amount, monthly or yearly): subscriptions, standing instructions, auto-debits and SIPs. Mark any I may have forgotten about.
3. List every bank charge or penalty (SMS alerts, debit card fee, minimum-balance penalty, ATM or transfer fees, cheque or ECS bounce) with its date and amount.
4. Flag anything unusual: duplicate debits, unknown payees, refunds that never arrived, large cash withdrawals.
5. End with total money in, total money out, and my five biggest spends.
Ground rules:
- Use only what I give you. If something is missing or unclear, say so and ask me; don't guess.
- Show your working in tables, with the figures you used, so I can check them.
- Use Indian rupees and Indian number formatting (lakh, crore).
- Don't tell me to buy, sell or switch any specific stock, fund, card, loan or policy. Explain the trade-offs and leave the decision to me.
Bank & cards
Check a credit card statement
Find every fee, the interest and the GST, and see what paying only the minimum costs.
You need
The latest monthly statement PDF.
Remove first
Card number (keep the last four digits), name, address and phone.
Here is my credit card statement. Please check it line by line.
1. List every fee and charge: annual or joining fee, late payment fee, over-limit fee, cash-advance fee, foreign-currency markup, fuel surcharge and EMI processing fee, with the 18% GST on each. Give a table with date, description, amount and GST.
2. If any interest (finance charge) was levied, explain why: which balance it was charged on, from which date, and whether paying the full amount by the due date would have avoided it.
3. Show the total amount due and the minimum amount due, and explain what happens next month if I pay only the minimum.
4. List any EMI conversions with their remaining tenure, interest rate and processing fee.
5. Summarize the reward points earned, redeemed and expiring, if the statement shows them.
Ground rules:
- Use only what I give you. If something is missing or unclear, say so and ask me; don't guess.
- Show your working in tables, with the figures you used, so I can check them.
- Use Indian rupees and Indian number formatting (lakh, crore).
- Don't tell me to buy, sell or switch any specific stock, fund, card, loan or policy. Explain the trade-offs and leave the decision to me.
Understand each salary component and check the regime and deductions your employer used.
You need
A recent payslip, or Part B of last year's Form 16.
Remove first
PAN, employee ID, bank account number, address and your employer's TAN.
I'm sharing my [payslip / Form 16 Part B] for [MONTH or FINANCIAL YEAR]. Please explain it.
1. List each earning (basic, HRA, special allowance, LTA, bonus, employer NPS, others) and each deduction (EPF, professional tax, TDS, others), with the monthly and annual amounts.
2. Tell me which tax regime my employer appears to be using, and what in the document shows it.
3. For the old regime, list the exemptions and deductions that appear (HRA, LTA, 80C, 80D, 80CCD(1B), 24(b)) and the amounts claimed. For the new regime, list the standard deduction and employer NPS.
4. Check that the taxable salary and the TDS are consistent with the figures shown, and flag anything that doesn't add up.
5. List the documents or proofs I may need to give HR or keep for my tax return.
Ground rules:
- Use only what I give you. If something is missing or unclear, say so and ask me; don't guess.
- Show your working in tables, with the figures you used, so I can check them.
- Use Indian rupees and Indian number formatting (lakh, crore).
- Don't tell me to buy, sell or switch any specific stock, fund, card, loan or policy. Explain the trade-offs and leave the decision to me.
Split share and fund sales into short-term and long-term gains before you file.
You need
The tax P&L or capital gains report for the financial year, from your broker or from CAMS / KFintech.
Remove first
Client ID, PAN, name, address and demat account number.
Here is my capital gains statement for FY [YEAR]. Please organize it for my tax return.
1. Group every sale by asset type: listed shares, equity mutual funds, debt and other mutual funds, ETFs, and anything else.
2. For each sale, show the buy date, sell date, holding period, cost, sale value and gain or loss, and mark it short-term or long-term. Tell me which holding-period rule you applied to each asset type.
3. Total the short-term and long-term gains and losses separately for each asset type.
4. List the tax rates and the long-term exemption limit you are assuming for this year, so I can check them against the current rules before I rely on the numbers.
5. Point out anything that needs care: shares bought before 1 February 2018 (grandfathering), bonus or split shares, missing cost, and losses I can carry forward.
Ground rules:
- Use only what I give you. If something is missing or unclear, say so and ask me; don't guess.
- Show your working in tables, with the figures you used, so I can check them.
- Use Indian rupees and Indian number formatting (lakh, crore).
- Don't tell me to buy, sell or switch any specific stock, fund, card, loan or policy. Explain the trade-offs and leave the decision to me.
See what you own, what it costs, and where your funds overlap.
You need
Your CAS (Consolidated Account Statement) from CAMS, KFintech, NSDL or CDSL, or a holdings export.
Remove first
PAN, name, address, email, phone and folio numbers.
Here is a list of my mutual fund holdings with fund names, plan (regular or direct), units and current values. Please review it.
1. Make a table: fund name, category (large cap, flexi cap, index, ELSS, debt, hybrid and so on), plan, current value and share of the portfolio.
2. Group the portfolio by asset class (equity, debt, gold, other) and by category, and show the totals.
3. Point out funds in the same category that are likely to hold many of the same stocks, and say how you judged it.
4. For any regular-plan fund, explain that a direct plan of the same scheme has a lower expense ratio, and if I give you both expense ratios, estimate the yearly cost difference.
5. List the questions I should think about (too many funds? too concentrated? how they fit my goals and time horizon?), without telling me which fund to buy or sell.
Ground rules:
- Use only what I give you. If something is missing or unclear, say so and ask me; don't guess.
- Show your working in tables, with the figures you used, so I can check them.
- Use Indian rupees and Indian number formatting (lakh, crore).
- Don't tell me to buy, sell or switch any specific stock, fund, card, loan or policy. Explain the trade-offs and leave the decision to me.
Work out what a traditional or unit-linked policy really returns, and what leaving it costs.
You need
The policy document or benefit illustration, and your premium receipts.
Remove first
Policy number, name, address, date of birth and nominee details.
Here is my insurance [policy document / benefit illustration]. Please analyze it.
1. Summarize the policy: type (endowment, money-back, ULIP or term), premium, premium-paying term, policy term, sum assured, and the maturity and death benefits.
2. Separate what is guaranteed from what is only illustrated (bonuses, or assumed fund returns such as 4% and 8%).
3. Using the premiums and the maturity value, calculate the yearly return (IRR) for the guaranteed case and for each illustrated case. Show the cash-flow table you used.
4. List every charge you can find: premium allocation, policy administration, mortality, fund management, and discontinuance or surrender charges.
5. Explain what I would get if I stopped paying now (surrender or paid-up value), as far as the document shows it. Don't recommend whether to keep or surrender the policy.
Ground rules:
- Use only what I give you. If something is missing or unclear, say so and ask me; don't guess.
- Show your working in tables, with the figures you used, so I can check them.
- Use Indian rupees and Indian number formatting (lakh, crore).
- Don't tell me to buy, sell or switch any specific stock, fund, card, loan or policy. Explain the trade-offs and leave the decision to me.
See the true cost of a home, car or personal loan, fees included.
You need
The sanction letter, offer letter or Key Fact Statement (KFS).
Remove first
Application number, name, address, PAN and the property address.
Here is a loan [sanction letter / Key Fact Statement]. Please check the true cost.
1. List the loan amount, interest rate (fixed or floating, and the benchmark it is linked to), tenure and EMI, and every fee: processing, documentation, insurance bundled with the loan, prepayment and foreclosure charges, and late-payment charges.
2. Recalculate the EMI from the amount, rate and tenure, and tell me whether it matches the letter.
3. Calculate the total interest over the full tenure, and the total I will pay including fees.
4. Calculate the annual percentage rate (APR) including the fees paid upfront, and compare it with the headline rate.
5. Show how a rise of one percentage point in a floating rate would change the EMI or the tenure, and quote what the letter says about rate resets.
Ground rules:
- Use only what I give you. If something is missing or unclear, say so and ask me; don't guess.
- Show your working in tables, with the figures you used, so I can check them.
- Use Indian rupees and Indian number formatting (lakh, crore).
- Don't tell me to buy, sell or switch any specific stock, fund, card, loan or policy. Explain the trade-offs and leave the decision to me.
Pull the real numbers out of a results filing: growth, margins and one-off items.
You need
The results PDF or press release the company filed with the exchange or posted on its website.
Remove first
Nothing: it is a public document.
Here are [COMPANY]'s results for the quarter ended [DATE]. Please read them for me.
1. Make a table of revenue from operations, EBITDA (or operating profit), EBITDA margin, profit before tax, net profit and EPS for this quarter, the previous quarter and the same quarter last year, with the quarter-on-quarter and year-on-year change. Say whether you used consolidated or standalone figures, and use the same basis throughout.
2. Point out exceptional or one-off items, unusually large other income, and changes in the tax rate, and show net profit with and without them.
3. If segment results are given, show revenue and profit for each segment and which segments drove the change.
4. Summarize what management said about the quarter, quoting the filing, and list any numbers that look inconsistent between tables.
5. Keep to the facts in the filing. Don't give a view on the share price.
Ground rules:
- Use only what I give you. If something is missing or unclear, say so and ask me; don't guess.
- Show your working in tables, with the figures you used, so I can check them.
- Use Indian rupees and Indian number formatting (lakh, crore).
- Don't tell me to buy, sell or switch any specific stock, fund, card, loan or policy. Explain the trade-offs and leave the decision to me.
Find the notes most readers skip: related-party deals, contingent liabilities and auditor remarks.
You need
The annual report PDF, or the financial statements with their notes.
Remove first
Nothing: it is a public document.
Here is [COMPANY]'s annual report for FY [YEAR]. Please look for warning signs, and give the page or note number for each one.
1. Auditor's report: any qualification, emphasis of matter or key audit matter, and what it is about.
2. Related-party transactions: the largest ones, with whom, and how they compare with revenue or profit.
3. Contingent liabilities and guarantees, compared with net worth.
4. Cash flow against profit: compare cash from operations with net profit for each year shown, and explain any big gap.
5. Receivables, inventory and borrowings: how each changed compared with revenue growth.
6. Promoter pledges, changes of auditor or key managers, and any change in accounting policy.
Report only what the document shows. Don't give a view on the share price.
Ground rules:
- Use only what I give you. If something is missing or unclear, say so and ask me; don't guess.
- Show your working in tables, with the figures you used, so I can check them.
- Use Indian rupees and Indian number formatting (lakh, crore).
- Don't tell me to buy, sell or switch any specific stock, fund, card, loan or policy. Explain the trade-offs and leave the decision to me.
Get the guidance, the key numbers and the questions management avoided, in five minutes.
You need
The earnings call transcript, which companies post on their investor relations page.
Remove first
Nothing: it is a public document.
Here is the transcript of [COMPANY]'s earnings call for [QUARTER]. Please summarize it.
1. Guidance: every forward-looking number or range management gave (growth, margins, capex, order book), quoted exactly, with the speaker's name.
2. The five most important numbers mentioned that are not in the results table.
3. The risks and problems management acknowledged.
4. Questions analysts asked more than once, and questions where the answer was vague or avoided. Quote each question and summarize the answer.
5. Anything that differs from what management said on the previous call, if I share that transcript too.
Stick to what was said. Don't give a view on the share price.
Ground rules:
- Use only what I give you. If something is missing or unclear, say so and ask me; don't guess.
- Show your working in tables, with the figures you used, so I can check them.
- Use Indian rupees and Indian number formatting (lakh, crore).
- Don't tell me to buy, sell or switch any specific stock, fund, card, loan or policy. Explain the trade-offs and leave the decision to me.
Planning
Build a budget from real spending
Turn three months of statements into a budget you can actually keep.
You need
Three months of bank and credit card statements, or the category totals from the bank-statement prompt.
Remove first
Account and card numbers, names and addresses.
Using my spending for the last three months (attached), build a monthly budget.
1. Show my average monthly spend by category, split into needs (rent, EMIs, groceries, utilities, insurance, school fees), wants, and savings or investments.
2. Compare the split with the 50/30/20 guideline, and show where I am above or below it.
3. My take-home pay is ₹[AMOUNT] a month and my emergency fund is ₹[AMOUNT]. Show how many months of my needs the emergency fund would cover.
4. Suggest a realistic amount for each category, based only on my own numbers, and point out three specific places where I spent more than in an average month.
5. Give me a one-page table I can fill in every month.
Ground rules:
- Use only what I give you. If something is missing or unclear, say so and ask me; don't guess.
- Show your working in tables, with the figures you used, so I can check them.
- Use Indian rupees and Indian number formatting (lakh, crore).
- Don't tell me to buy, sell or switch any specific stock, fund, card, loan or policy. Explain the trade-offs and leave the decision to me.
Estimate a term insurance cover from your own numbers, step by step.
You need
Your income, expenses, loans, savings and existing cover, and your dependants' ages.
Remove first
Names and dates of birth: ages are enough.
Help me estimate how much term life insurance cover my family would need. First ask me for anything on this list I haven't given you: my age, annual take-home income, household expenses, outstanding loans, current savings and investments, existing life cover, dependants and their ages, and future goals such as education.
1. Use the expense-replacement method: the money needed to cover household expenses until the youngest dependant is self-supporting (or my spouse retires), allowing for inflation, plus loans and big goals, minus existing savings and cover. State every assumption (inflation, the return on the payout) and show the calculation.
2. Compare the result with a simple multiple of income, and explain why the two differ.
3. Show how the answer changes if inflation is two percentage points higher, or the return two points lower.
Don't recommend an insurer or a policy.
Ground rules:
- Use only what I give you. If something is missing or unclear, say so and ask me; don't guess.
- Show your working in tables, with the figures you used, so I can check them.
- Use Indian rupees and Indian number formatting (lakh, crore).
- Don't tell me to buy, sell or switch any specific stock, fund, card, loan or policy. Explain the trade-offs and leave the decision to me.
An answer without the figures behind it cannot be checked. Every prompt here ends with the same ground rules: use only what you were given, show the working in tables, and ask when something is missing. Keep them when you adapt a prompt.
Check the totals against the source
Assistants misread scanned PDFs and slip on arithmetic. Compare the AI's totals with your statement's own totals before you rely on anything, and recheck tax, EMI or return figures in the linked calculator.
One document, one chat
Start a new chat for each document. Old chats carry earlier numbers that can leak into a new answer, and a fresh chat is easier to delete.
Facts, not calls
The prompts for company results, annual reports and earnings calls pull out what the filing says. None asks the AI whether to buy or sell a stock, and you should not either: an assistant's view on a share price is a guess with good grammar.
Frequently asked questions
Is it safe to upload a bank statement to ChatGPT or Claude?
Treat it like handing the document to a stranger. Remove your PAN, Aadhaar, account and card numbers, address and phone number first. Check the app's data settings to see whether your chats can be used to train its models, and turn that off if you prefer. Delete the chat when you are done. If you would rather not upload the statement at all, paste category totals instead, or use a tool that works inside your browser, such as the Portfolio X-Ray, which never uploads your file.
Will these prompts give me investment advice?
No. Each prompt asks the AI to work only from the document you give it, show its working, and not tell you to buy, sell or switch any specific stock, fund, card, loan or policy. The decision stays with you. For advice tailored to you, a SEBI-registered investment adviser is the right person.
Which AI assistant should I use?
Any capable assistant that can read PDFs and spreadsheets: ChatGPT, Claude or Gemini. Answers vary between assistants and even between two runs of the same prompt, so ask for the working and check the totals against your document.
Can the AI get the numbers wrong?
Yes. Assistants can misread a scanned PDF, skip rows or make arithmetic mistakes. Ask for the figures it used, compare its totals with your statement, and recheck anything that matters with the linked JPVFin calculators, which do the arithmetic the same way every time.
Disclaimer: These prompts are for education only and do not constitute financial, tax or investment advice. AI assistants can be wrong, including in arithmetic; check every figure against your own documents, and consult a qualified professional before acting on it.