We try to keep money transfers affordable, but we know that you have lots of other expenses – from paying for rent and utilities to buying the tickets for your favourite band's concert. Saving more and spending less requires the stamina and expertise of a financial guru (whose coaching may cost a lot, unfortunately). Luckily, we have artificial intelligence! Try these AI prompts to manage your budget like a pro – for free.
What you will find in this text
If you google something like 'common AI prompts for managing your budget', you may find extensive lists of 'best AI prompts', 'top-10 AI prompts' or even ‘180 AI prompts' (have anyone actually tried at least half of them?). Some, like 'check the list of my subscriptions and figure out if I actually need them', are pretty simple, and the results are unlikely to surprise you: if you are short on money, paying for subscriptions is unwise. While specific prompts are suitable for everyone, others may be useless, particularly for those working abroad. Therefore, even though there are plenty of lists of 'top AI budgeting prompts' on the web, not all of them may indeed help you improve your financial planning. We want you to get valuable insights and help improve your budget strategy, so we took the AI matter seriously.
- We collected some popular prompts from a variety of lists by 'AI experts'
- We ran them through AI tools that are currently in the spotlight, asking the AIs themselves to check if the prompts are useful.
- We asked AI to adjust the prompts specifically for expats
- We collected some insights and advice to make your AI-powered budget review productive rather than just entertaining.
To make your AI-powered financial boost even more efficient, we advise you to review your spending and expenses (unless you have not done so already, of course) before turning to financial advice from AI.
Chat GPT 4o
Whenever someone is talking about AI, they are likely to mention Chat GPT. Launched in late 2022, it got over 400 million active users weekly in 2025. Chat GPT helps people all over the world solve complex problems, rewrite angry comments into friendly emails and change the way they manage their budget.
Here is how the prompts we offered were evaluated by Chat GPT:
| Prompt | Score | Comments |
|---|---|---|
| I need a personal finance tracking app. I work as a [position], so please recommend suitable options and describe their key features. | 7/10 | Could be more specific (focused on investments, savings, expense tracking, etc.) |
| I work as a [position] at [company], earning [salary] and spending [expenses] each month. Based on current financial trends, is this sustainable? | 7/10 | Could be stronger with financial goals provided |
| Help me create a simple budget tracker. I need a table or template that includes income, expenses, and savings. Please include formulas for use in [Excel/Google Sheets]. | 8/10 | Could be more goal-focused |
| Please act as my financial advisor. I earn [salary] and spend [expenses] monthly. Could you create a weekly, monthly, and yearly financial plan for me? Break down my expenses into categories and suggest how much I can realistically save without compromising my comfort. | 9/10 | Would be a 10 with financial goals |
| Review my monthly spending list [list]. Show me where I am losing money and how to fix it while keeping fun. | 9/10 | Would be even more efficient if financial goals were mentioned |
| How can I improve my financial literacy and apply it to personal wealth-building? | 10/10 | Would be even more efficient if structured learning followed |
As you may see, Chat GPT loves financial goals. If you have already decided which are yours, take time to review some budget advice from us.
Now, let us take a look at the same prompts, adjusted and evaluated specifically for expats:
| Prompt | Score | Comments |
|---|---|---|
| I live and work in [country] as an expat, earning [salary] and spending [expenses] each month. Given current financial trends in Europe and my cross-border situation, is this financial setup sustainable? | 8/10 | Could be stronger with financial goals (remittances, buying property, etc.) |
| I'm an expat working in the EU. Recommend personal finance tracking apps that are expat-friendly—especially those that support multiple currencies, tax categories, and cross-border banking. Please describe their key features and which countries they work best in. | 8/10 | Would score more with app cost comparison |
| Help me build a simple, EU-friendly budget tracker. I need a table or template that includes multiple currencies, income, expenses, remittances, and savings. Please include formulas for use in Excel or Google Sheets and make it adaptable for changes in exchange rates. | 9/10 | Currency conversion tips would make it a 10 |
| Here is my monthly spending list [list]. I'm an expat living in [country]. Show me where I'm overspending (consider local cost benchmarks) and how I can optimise my budget – without sacrificing social life, travel, or comfort. | 9/10 | Would be a 10 with more focus on the region |
| Act as my financial advisor. I'm an expat living in [country], earning [salary] and spending [expenses] monthly. Please create a weekly, monthly, and yearly financial plan for me. Break down my expenses by category (e.g., rent, healthcare, travel, remittances), and suggest how much I can save without compromising comfort. | 10/10 | Holistic and highly relevant, with proper details included |
| How can I, as an expat living in [country], improve my financial literacy and apply it to long-term wealth-building? Please include [country]-specific tips, such as understanding local taxation, pension schemes, and investment options. | 10/10 | Perfect for long-term planning and proactive learning |
As you may see, with the prompts for expats, Chat GPT's scores rose, and comments became more specific. Try these financial prompts for expats right away, or check the options from another AI tool.
Claude 3.7 Sonnet
Claude was launched in 2023 by former Open AI managers and got around 18.9 million active users in early 2025. Claude is sometimes ranked as the best AI tool for marketing managers, thanks to its tone of voice sensitivity and detailed feedback. Let's see how it can help you manage your budget.
Let us take a look at Claude's ranking of generic budget-focused prompts.
| Prompt | Score | Comments |
|---|---|---|
| I need a personal finance tracking app. I work as a [position], so please recommend suitable options and describe their key features. | 3/10 | Would be more efficient with further details (i.e. financial preferences and goals) |
| I work as a [position] at [company], earning [salary] and spending [expenses] each month. Based on current financial trends, is this sustainable? | 5/10 | Would be stronger with a focus on goals and strategy, not just on the current situation |
| How can I improve my financial literacy and apply it to personal wealth-building? | 6/10 | Is educational rather than actional, though it may be useful for long-term planning |
| Help me create a simple budget tracker. I need a table or template that includes income, expenses, and savings. Please include formulas for use in [Excel/Google Sheets]. | 7/10 | Would be even more efficient with distinctive financial goals |
| Review my monthly spending list [list]. Show me where I am losing money and how to fix it while keeping fun. | 8/10 | Perfect for an immediate action plan, but lacks long-term goals |
| Please act as my financial advisor. I earn [salary] and spend [expenses] monthly. Could you create a weekly, monthly, and yearly financial plan for me? Break down my expenses into categories and suggest how much I can realistically save without compromising my comfort. | 9/10 | Could provide tailored financial advice for planning in different timeframes; details on financial goals would make it a 10 |
Yet again, AI is urging us to set financial goals and go for them. Claude added that combining the two last prompts would indeed boost your financial strategy. At this point we kindly remind you that if your long term budget planning involves saving money as an expat in your home country, stick to Profee for truly beneficial remittance.
Now, let us move to the above prompts, tailored to meet the expats' needs and evaluated.
| Prompt | Score | Comments |
|---|---|---|
| I need a personal finance tracking app that works well for expats living in [country]. I'm from [home country] and need to track expenses in multiple currencies, manage cross-border transfers, and optimise for tax regulations between my home country and my current residence. Please recommend suitable options that handle multi-currency tracking and describe their key features for international residents. | 6/10 | Is still general, even though more tailored for specific needs than the original prompt. |
| How can I improve my financial literacy, specifically as an expat from [home country] living in [country]? I need to understand [country] banking systems, local investment options, pension systems that work across borders, tax optimisation between countries, and wealth-building strategies that won't be disrupted if I eventually relocate. Please provide resources and learning pathways focused on expat financial management in [country], including any specific considerations for my situation. | 7/10 | Suitable for those looking to gain knowledge on finance in a specific country, yet lacks practical action points. |
| I work as a [position] in [country], while originally from [home country]. I'm earning [currency][salary] and spending [currency][expenses] each month. I also have ongoing financial obligations in my home country worth [home currency][amount]. Based on current exchange rates, inflation trends, and the cost of living difference between my home country and current residence, is my financial situation sustainable? How should I adjust my financial strategy as an expat? | 8/10 | Would provide valuable insights thanks to dual-currency financial management. |
| Help me create a comprehensive expat budget tracker for living in [EU country] while maintaining ties to [home country]. I need a template in [Excel/Google Sheets] that includes: income in euros, expenses in euros, recurring expenses in my home currency, exchange rate tracking, tax obligations in both countries, and savings goals in multiple currencies. Please include formulas that automatically convert currencies and track my financial position across borders. | 8/10 | Would be helpful for an expat facing the challenges of cross-currency budget planning. |
| Review my monthly spending as an expat from [home country] living in [EU country]: [Rent: X, Groceries: X, Transportation: X, Transfers to home country: X, International health insurance: X, Travel to visit family: X, Phone/internet with international options: X, etc.]. Please identify inefficiencies in my international lifestyle expenses, suggest country-specific savings opportunities (local benefits/programs I might be missing), and recommend ways to optimise cross-border spending. Help me reduce costs while still enjoying my expat experience and maintaining connections to my home country. | 9/10 | Is efficient for thorough planning; would be even better with clear goals. |
| Please act as my financial advisor, specialising in expat finances. I'm from [home country] and living in [country]. I earn [currency][salary] in my job and have additional income of [home currency][amount] from sources in my home country. My monthly expenses are approximately [currency][living expenses] plus [home currency][home country expenses] for obligations back home. Could you create weekly, monthly, and yearly financial plans that account for: currency fluctuation risks, optimal banking arrangements between countries, tax efficiency strategies for dual-country income, investment opportunities, and eventual retirement or repatriation planning? Please suggest realistic savings targets while maintaining quality of life as an expat | 10/10 | Has a focus on timeframe planning and managing multiple currencies and can therefore provide actionable data. |
Even though Claude seems to be sceptical about financial tracking apps, we still advise you not to give up on them – you may skip prompting and go straight to our budget apps list. An additional advice from Claude is to combine the last two prompts to get an efficient and detailed financial strategy.
Just like Chat GPT, Claude adds more value to detailed prompts and suggests focusing on financial goals. However, you may have noticed that the two AI tools have different patterns of prioritising and evaluating prompts, so the results you will get may look different as well.
AI counselling tips
Finally, let us give you some advice on discussing your financial situation with AI – to make sure that the prompts above will indeed supercharge your financial strategy.
- Be ready to provide details. The more you tell about yourself, the more utile the response will be. Be specific about your expenses and nuances. But don’t share your card details or anything that could potentially harm you.
- Be goal-oriented. Both Claude and Chat GPT kept telling us to provide precise financial goals to give actionable tips – quite useful even when planning your financial strategy on your own.
- Use different tools. We compared Chat GPT and Claude to show that the evaluation and the improvement may look completely different. Try prompting Gemini or DeepSeek – and you will see a different approach (spoiler alert: DeepSeek is likely to provide you with a final prompt combining all the ones you send).
- Request to improve your prompts rather than just give answers. Ask your AI to make your prompts more specific and tell you what can be improved. Finally, you may demand that your AI tool write a prompt and criticise it – have fun!
- Ask additional questions. Do not get satisfied with the first response you will get. Ask additional questions, request a detailed action plan and pay enough attention to the follow-up tips provided by most AI tools.
- Stay safe. Some AI tools require paid subscription – do not try to use hacked versions to save money. Never mention sensitive details, like your card's CVC, passwords, etc.
- Be polite. Hopefully, the rise of the machines won't take place anytime soon – but just in case, be nice to them. Adding additional 'thank-you' messages may be too expensive for your AI providers, but a 'please' in the prompt requires no additional effort.
Here's a bonus financial tip: never overpay for your money transfers. Send funds with us – with little to no fees and favourable exchange rates.
