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Here are five ChatGPT prompts I’ve used — you can try them today to begin your journey toward smart saving.

If you’re trying to save but still feel like your money “disappears” each month, this article is for you.

I tried something very simple: I gave my monthly spending breakdown to a popular AI chatbot (e.g. ChatGPT, iSEOAI Chatbot, Gemini…). In this article, iSEOAI uses ChatGPT.

The results were surprising — ChatGPT not only detected my financial leaks but also helped me cut my spending in half without sacrificing quality of life.

Below are the 5 ChatGPT commands I used — you can try them right away to start your smart saving journey.

1. Wallet analysis — Know where your money is going

ChatGPT prompt:

“I will send you my monthly expense table or list of all my expenditures.
Please help me aggregate and categorize them into essential, necessary, and non-essential groups.
Then tell me which group consumes the most and which group can be reduced.”

Goal: Know exactly where your money is “running off” every month.
Saving suggestion: Once you clearly see which part of your spending is the heaviest, you can more easily control and re-balance your expenses.

2. Spot your personal spending leaks

ChatGPT prompt:

“Based on the expense table above, please point out 5 unnecessary expenses or ones that can be replaced with cheaper alternatives.
Explain why this is a ‘leak’ and suggest specific remedies.”

Goal: Identify exactly where leakage is — cut in the right place.
Saving suggestion: ChatGPT can help you detect “hidden” expenses like unused subscriptions, overly frequent food delivery, or small but recurring daily costs.

3. Plan to cut 50% of spending

ChatGPT prompt:

“Help me create a plan to reduce monthly spending by 50% while still covering basic needs.
Divide into 3 groups:
• Expenses that should be cut immediately
• Expenses that can be replaced with cheaper alternatives
• Expenses that must remain unchanged
For each group, please include specific actions I should take.”

Goal: Have a clear plan—not just vague ideas.
Saving suggestion: With a detailed plan, you won’t feel forced to scrimp. Instead, you’ll proactively optimize your spending step by step.

4. Create personal spending rules

ChatGPT prompt:

“Based on my spending habits, help me write 5 simple rules so I don’t overspend each month.
For example: limit dining out, set a shopping cap, automate transfers to savings…”

Goal: Build protective barriers to control daily spending behavior.
Saving suggestion: Turn these rules into your personal financial principles — the more consistently you follow them, the easier it will be to reach big savings goals.

5. Make a monthly savings tracking table

ChatGPT prompt:

“Help me design a simple tracking table to monitor monthly spending.
The table should include: income, total expenses, amount saved, major expense categories, and alerts when limits are exceeded.”

Goal: Easy tracking — automatic expense control.
Saving suggestion: Ask ChatGPT to create an Excel or Notion template — then simply update your numbers each month to track savings progress.

Conclusion: ChatGPT — A Free Saving Assistant You Should Try

With just five simple ChatGPT commands, you can turn it into an intelligent personal finance assistant that helps you:

  • Analyze your spending
  • Detect leaks
  • Make a saving plan
  • Maintain financial discipline daily

If you’re looking to save more effectively without using complicated apps, try these five prompts — you’ll be surprised by what you can achieve.