10 AI Prompts for Personal Financial Planning (Not Trading)

작성자:

Search for “AI prompts for money” and you will mostly find one grammar: win rate, expected return, entry and exit timing, which asset to buy next. That is trading grammar.

Most working people need something else. Where am I standing right now, how much is missing between here and the goal, and what behaviour closes that gap. The pass criteria are different.

This kit started life as ten trading-strategy prompts. Converting them into financial-planning prompts meant deliberately throwing something away:

Profit factor, Sharpe ratio, risk-reward ratio, minimum number of trades — trading pass criteria are not reused as financial-planning pass criteria.

That line sat in the conversion checklist on purpose. Without it the prompts drift back toward “how do I get a higher return,” because that is what the surrounding internet sounds like. In personal financial planning, plans usually break not because the return was too low but because the cash flow could not hold.

A note on origin and scope. These prompts come from a Korean financial-education kit dated 6 August 2026, rewritten here to be institution-neutral. Tax rules, pension systems and consumer-protection regimes differ by country and change over time, so the prompts ask the AI to state its as-of date and cite official sources rather than assuming any one country’s rules. This is educational self-review material. It does not recommend buying or selling any financial product.

Two rules before you start

1. What not to paste

Do not paste national ID numbers, account numbers, passwords, or raw full transaction exports. Amounts are fine, but label them: monthly vs annual, present value vs future value, before tax vs after tax. If you skip those labels the model will silently mix them, and the result becomes impossible to check.

2. The sentence you append to every prompt

This is the single most valuable block here. Whichever of the ten you use, paste this at the end:

Analyse this as educational self-review. If information is missing, do not estimate — ask me up to 7 questions first. Separate confirmed facts, assumptions I supplied, calculated results, and things that remain uncertain. Do not tell me to buy, sell, or cancel any specific product, fund, or insurance policy; instead give me criteria to check and official sources to verify. For anything involving tax, pensions, or financial regulation, state the as-of date and cite the official source. Present results as a table in my currency.

Why this matters. A model will produce an answer whether or not it has enough to work with. In financial questions that is unusually dangerous: it will invent a plausible pension figure, then build a thirty-year plan on top of the number it invented. “Do not estimate — ask me first” is what stops that.

The order

One at a time, top to bottom.

Step Prompt Use it when
1 01 Current position Starting out
2 02 Goal gap “How much per month?”
3 03 Weak points Plan exists but feels shaky
4 04 Vague goal to plan Goal has no numbers yet
5 05 Allocation rules Many accounts, no stated reason
6 06 Risk response You sold in a drawdown before
7 07 A/B comparison Two options on the table
8 08 Habit hypothesis A spending pattern repeats
9 09 Missed-target repair Behind the plan
10 10 Monthly review End of every month

01 · Check your current position against scenarios

When. At the start. Pull net worth, cash flow, pensions and debt onto one screen — mainly to find what you do not actually know.

You are an educational reviewer of comprehensive financial plans. Analyse my current position and whether my goal is reachable.

## Basics
- Age / household size: [ ]
- Goal: [home / education / retirement / emergency fund]
- Target date: [ ]
- Monthly net income: [ ]
- Monthly spending: [ ]
- Monthly saving and investing: [ ]

## Assets and debts
- Cash and equivalents: [ ]
- Invested assets: [ ]
- Property and other: [ ]
- Each debt: balance, interest rate, monthly payment: [ ]
- Public pension / workplace pension / private pension, expected value:
  [mark each as OFFICIAL LOOKUP or MY ESTIMATE]

## Calculate
1. Assets, debts and net worth as a table
2. Monthly cash flow and monthly surplus
3. Which money is actually available vs locked up
4. Required amount and shortfall under base, conservative and stress scenarios
5. Sensitivity: income down 10%, spending up 10%, investment return 0%
6. Five things I should verify now, and three actions for the next 30 days

Show your formulas and assumptions in a table. Do not fix the future to a single rate of return.

How to check the answer. Net worth and monthly surplus should reconcile with what you typed. Official lookups must stay separated from your own estimates. If the stress scenario is missing, the answer is incomplete.

02 · Work out the monthly contribution

When. The moment “how much do I need to put aside each month?” appears. This separates whether the gap comes from the target amount, the time horizon, the savings rate, or the assumed return.

You are a financial-education coach helping with goal funding maths. Calculate how reachable this goal is under current conditions.

- Goal type: [ ]
- Target amount in today's money: [ ]
- Time remaining: [ ] years [ ] months
- Assets already earmarked for this goal: [ ]
- Additional monthly contribution possible: [ ]
- Amount that must go to debt repayment first: [ ]
- Assumed inflation: [ ]%
- Assumed annual nominal return: base [ ]%, conservative [ ]%, stress [ ]%
- Amount of the goal that must be held in cash: [ ]

Answer in this order.
1. Future target amount at the target date
2. Future value of existing assets
3. Future value of the monthly contributions
4. Expected shortfall or surplus
5. Monthly contribution required to close the gap
6. Effect of adding one year, or of raising the monthly amount by a round step
7. Alternatives that adjust the target, the timeline or spending instead of reaching for a higher return

When converting an annual assumed return into monthly figures, show the conversion method. Include an end-of-month contribution case and a 0% return case. List taxes, fees and return variability separately as limitations.

How to check the answer. Confirm the target was inflated to the target date, that existing assets and new contributions were computed separately, and that a near-0% conservative case exists.

03 · Find where the plan breaks

When. The plan exists but you feel uneasy. Or you hold several products and accounts without seeing the whole shape. This looks for the conditions under which the plan fails.

You are a cold reviewer looking for weaknesses in a financial plan. Before any praise, find the conditions under which this plan breaks.

## My plan
- Goal and target date: [ ]
- Monthly net income, spending, saving: [ ]
- Asset mix and liquidity: [ ]
- Debt balances, rates, repayment plan: [ ]
- Insurance: purpose and monthly premium: [ ]
- Public / workplace / private pension: [ ]
- Assumed return, inflation, life expectancy: [ ]

Analyse:
1. The assumptions this plan depends on
2. Weaknesses in cash flow, debt, liquidity, protection, tax, pension and investment risk
3. Five realistic failure scenarios that threaten the goal
4. Items you cannot judge because information is missing
5. The single thing to fix first
6. Official sources and responsible institutions I should check this month

Finish by answering "can goal achievement be confirmed on current information?" with exactly one of: confirmable / conditionally confirmable / cannot determine — and explain why.

How to check the answer. The model should separate “missing information” from “conditions that break the plan” instead of concluding that things look fine. If the final verdict comes back “confirmable” easily, your inputs were too thin.

04 · Turn a vague goal into a plan

When. You have a goal but no numbers. This translates “I want to be comfortable” into amounts, deadlines and actions.

You are a beginner-friendly financial planning coach. Turn this vague goal into something measurable and executable.

My goal: [e.g. I want enough to cover monthly living costs from age 60]
Age and household situation: [ ]
Monthly net income, spending, saving: [ ]
Current assets, debts, pensions: [ ]
Target date: [ ]
Why this goal matters to me: [ ]

Build this table:
Goal / Amount needed / Target date / Already saved / Shortfall / Monthly action amount / Source to verify / Review date

Also give me:
1. Priority ranking of goals, 1 to 3
2. Monthly and quarterly execution rules
3. A fallback rule for unexpected expenses
4. Alternatives that lower the target or extend the timeline
5. Conditions under which I should pause or revisit the plan

Do not recommend specific products. Give a decision order that fits the goal, cash flow, risk and liquidity.

How to check the answer. Every row needs amount, deadline, amount already saved, monthly action and review date. A blank in any of those means it will not get executed.

05 · Allocation and rebalancing rules

When. You hold several assets and accounts but cannot say why you hold each one. Or markets wobble and you want to change the plan each time.

You are a financial-education coach designing allocation principles. Do not recommend specific ETFs, funds or securities. Define the role of each asset and the rules for operating them.

- Amount and spend date for each goal: [ ]
- Emergency fund required: [ ]
- Current mix: cash [ ]%, bonds [ ]%, equities [ ]%, property and other [ ]%
- Debt and interest rates: [ ]
- Investment horizon: [ ]
- Loss I could actually absorb without changing plan: [ ]%
- Risk of income interruption, or large planned expenses: [ ]

Produce:
1. A bucket per goal, and the role of each bucket
2. Allocation principles reflecting liquidity, loss tolerance and horizon
3. Tolerance bands per goal and the conditions that trigger rebalancing
4. Action rules for a sharp drawdown, an income drop, and a large expense
5. Review cadence and the indicators to record
6. Who this plan does not suit, and what would trigger a rethink

Do not present allocation percentages as if they were the single right answer. Explain why each range exists and what I should verify.

How to check the answer. It must connect percentages to goals, horizon, liquidity and behaviour rules. If you only get “60/40,” the answer failed.

06 · Risk tolerance and drawdowns

When. You have panic-sold before, or you are carrying more risk than you can hold in order to chase a return.

You are an educational coach in risk management and behavioural finance. Do not label my investor type. Separate my capacity to absorb risk from my psychological tolerance for it.

- Purpose of the money and when I need to spend it: [ ]
- Monthly income, essential spending, emergency fund: [ ]
- Debt and interest rates: [ ]
- Size of invested assets and current volatility: [ ]
- What I expect I would do if assets fell 10%, 20%, 30%: [ ]
- What I actually did in past drawdowns: [ ]

Give me a table covering:
1. The difference between risk capacity and risk tolerance
2. Cash-flow risks that could destabilise my plan
3. Response rules for each hypothetical drawdown
4. Conditions under which to pause investing, raise cash, or seek professional advice
5. Three simple behaviour rules I can actually keep

State explicitly that 10/20/30% are stress-test assumptions, not forecasts. Do not conclude with an instruction to buy or sell any asset.

How to check the answer. Watch that drawdown figures are not phrased as predictions, and that cash flow is assessed alongside psychology.

The point of this prompt is to split “how much can I lose and still keep the plan” from “how much can I lose and still sleep.” They are different numbers, and the second one usually breaks first.

07 · Compare two plans side by side

When. “Invest more or repay more,” “retire earlier or later,” “raise savings or raise spending” — any time there are exactly two options.

You are an analyst comparing financial plan alternatives. Do not steer toward whichever looks better. Score both against the same criteria.

## Shared goal
- Goal and target date: [ ]
- Current assets, debts, monthly cash flow: [ ]

## Plan A
[rules for saving, repayment, investing, retirement date, cash holding]

## Plan B
[rules for saving, repayment, investing, retirement date, cash holding]

Score each criterion 1 to 5, with at least two lines of reasoning per score:
Goal fit / Cash-flow stability / Liquidity / Debt risk / Loss risk / Execution difficulty / Difficulty of verifying cost and tax / Uncertainty of assumptions / Ease of changing course / Likelihood of household agreement

Do not decide on total score alone. Tell me the conditions under which A wins, the conditions under which B wins, what information should delay the decision, and what to verify within 30 days.

How to check the answer. Each score must trace back to something you supplied. If a score rests on a tax rate or a return the model asserted without a source, discard that line.

Do not drop the last criterion. Household disagreement is one of the most common reasons a sound plan never happens.

08 · Turn a spending observation into a testable hypothesis

When. An impression keeps recurring — “I think I overspend on food.” This converts the impression into something measurable.

You are a research coach who checks personal money habits against data. Turn this observation into a testable hypothesis and a small experiment.

- Observation: [e.g. I save at the start of the month but card spending climbs at the end]
- Observation period: [ ]
- Recent monthly income, spending, saving: [ ]
- Suspected cause: [ ]
- Behaviour I could change: [ ]

Write:
1. A falsifiable hypothesis: "If [condition], then within [period] [metric] will change by [threshold]."
2. What I need to record
3. One small change to run for four weeks
4. Success and failure criteria
5. Confounding variables that could mimic the same result
6. How to feed the result into next month's plan

Do not tell me to just spend less. Separate survival costs, essential costs and discretionary costs.

How to check the answer. The hypothesis needs a period, a metric and a threshold, and the experiment must be small enough to actually record for four weeks.

09 · Repair a plan that fell behind

When. Assets grew less than planned. Run this before making an aggressive move to catch up.

You are a coach diagnosing a financial plan that missed its target. Do not start with a prescription to raise returns. Decompose the cause numerically.

- Original goal and target date: [ ]
- Actual current assets, debts, cash flow: [ ]
- Planned monthly saving vs actual monthly saving: [ ]
- Original assumptions for inflation, return, spending: [ ]
- Actual spending changes and any large one-off expenses: [ ]
- Changes in fees, tax, interest, insurance premiums: [ ]

Answer:
1. Size of the shortfall and estimated contribution of each cause
2. The largest single cause among saving, spending, debt, assumptions and timing
3. One thing to change now, and one thing to leave alone
4. Improvement experiments at 30, 60 and 90 days
5. A v2 plan with adjusted target, timeline and monthly action
6. The metrics that will be used to re-evaluate v2

Where a contribution cannot be calculated confidently, give a range. Do not present high-risk-of-loss options as a recovery method.

How to check the answer. The shortfall must not be explained by investment performance alone. It should break down across saving, spending, debt, assumptions and timing.

There is a reason the prompt asks for “one thing to leave alone.” When people fall behind, they tend to tear up the parts that were working too.

10 · Monthly review

When. End of each month or quarter. The question is not whether the result was good, but whether you kept the plan and whether the plan was realistic.

You are a monthly financial review coach. Using the actual record below, review outcome and process separately.

- Review period: [ ]
- Monthly net income, essential spending, discretionary spending, saving: [ ]
- Plan vs actual difference: [ ]
- Debt balance, repayment, rate changes: [ ]
- Asset changes: [ ]
- Best decision this month: [ ]
- Worst decision this month: [ ]
- Recurring mistakes: [impulse spending / rolled-over saving / panic selling / excess borrowing]

Produce:
1. One strength this month, with the data behind it
2. The single highest-priority improvement
3. Losses, leakage and opportunity cost ranked by amount
4. A plan-adherence score from 1 to 10, and whether any rule was broken
5. A five-item checklist to run before spending and saving
6. A 10-minute weekly check sheet and a 30-minute month-end review sheet
7. Three behaviour metrics to measure over 30 days
8. Likelihood of improvement in six months: likely / conditional / cannot determine, with reasoning

Do not judge success by returns or asset growth alone. Assess cash-flow stability, debt reduction and plan adherence alongside them.

How to check the answer. It must include behaviour metrics and cash flow, not just returns, and the six-month outlook should be conditional rather than asserted.

What this kit does not do

Stated plainly:

  • It does not pick products. The prompts are written so the model will not tell you which fund, policy or account to choose.
  • It does not guarantee returns. Every calculation depends entirely on the inputs and assumptions you supply.
  • It is not tax or legal advice. Tax, pension and health-insurance rules differ by country and change.
  • It does not settle your pension entitlement. That is why the prompts repeatedly ask you to mark figures as official lookup or personal estimate.

For decisions with large financial consequences — buying or cancelling a product, repaying a loan, starting a pension drawdown, filing taxes — verify against official institutional sources and your actual contract documents, and consult a qualified professional where appropriate.

Look up your own numbers first

The prompts get dramatically better when the figures you paste are looked up rather than guessed. Before running 01 and 02, find:

  • Your public pension projection, from your national pension authority’s own calculator
  • Your workplace pension balance and projected value, from your provider’s statement
  • Your private pension balance and any tax relief rules that apply, from the tax authority
  • Your current debt balances and rates, from each lender’s statement

Use the official calculator for your country rather than a third-party estimate. A guessed pension number is the most common reason one of these plans quietly becomes fiction.

A Korean-language version of this kit, written against Korea’s own pension and tax system, is at 재무설계 AI 프롬프트 10종.

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