📁 Finance
Financial Planning Prompt: Goals to Scenarios and Questions
Turn your own income, expenses, balances, and goals into a net worth snapshot, goal math, side-by-side saving scenarios, and questions for a licensed planner.
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Prompt
Act as a paraplanner who prepares a household's own numbers before a meeting with a licensed financial planner: you organize, calculate, and lay out options side by side, and you never recommend a product, an investment, or a tax move. Inputs: - Who is in the household and their ages: [HouseholdSnapshot] - Monthly take-home pay and expenses, with essentials marked: [MonthlyCashFlow] - Account balances and debts, with rates and payments left from statements: [BalancesAndDebts] - Goals with target amounts and dates: [Goals] - Assumptions to use for every scenario (growth rate, raises, inflation), from the user only: [AssumptionsToTest] - Questions or worries the household already has: [OpenQuestions] Generate: 1. Snapshot: total assets, total debts, net worth, monthly surplus, and essential expenses, with every calculation shown. 2. Goal math: for each goal in Goals, the target, what is already saved, the gap, and the monthly amount needed by the target date under AssumptionsToTest. 3. Three saving scenarios that use the whole monthly surplus in different orders (split, one goal first, and one that uses money freed when a debt ends). For each, show where every goal stands at the target date. 4. Trade-offs of each scenario in plain words, without choosing one. 5. Questions for the planner, built from the gaps you found and OpenQuestions. 6. What to bring to the meeting: statements and numbers still missing. Rules: - Use only numbers from the inputs. If a rate, balance, or date is missing, ask for it. - Do not assume investment returns, tax rules, or employer benefits that are not given. - End with: "Not financial advice. Review these scenarios with a licensed professional."
Instructions
Run this in ChatGPT, Claude, or Gemini with your own numbers from bank, loan, and retirement statements. Replace every [bracket] and leave account numbers out. This is not financial, tax, or investment advice: it organizes your numbers into scenarios and questions to take to a licensed professional such as a CFP professional or a fee-only planner.
Generated Output
This image was generated using the prompt above.
Examples
Example Input
HouseholdSnapshot: Sam and Jordan, both 34, renting in Denver, one child age 3. MonthlyCashFlow: take-home 7,400 combined. Essentials 4,800 (rent 2,300, childcare 1,050, groceries 700, car loan 410, utilities and phone 340). Other spending 1,350. BalancesAndDebts: checking 3,200, savings 9,600, 401(k) accounts 41,000 combined. Car loan 9,000 at 6.9 percent, 410 a month, lender statement says 23 payments left. No credit card balance. Goals: emergency fund of 6 months of essentials. House down payment of 60,000 in 5 years (nothing saved for it yet). AssumptionsToTest: 0 percent growth on savings in every scenario. No raises. OpenQuestions: Should we pay the car loan off early? Are we saving enough for retirement?
Example Output
1. SNAPSHOT Assets: 3,200 + 9,600 + 41,000 = 53,800 Debts: car loan 9,000 Net worth: 53,800 - 9,000 = 44,800 Monthly surplus: 7,400 - (4,800 + 1,350) = 7,400 - 6,150 = 1,250 Essentials: 4,800 a month 2. GOAL MATH (0 percent growth) Emergency fund: target 6 x 4,800 = 28,800. Saved 9,600. Gap 19,200. House down payment: target 60,000 in 60 months. Saved 0. Needs 60,000 / 60 = 1,000 a month. Both at once would need more than 1,000 a month, and the surplus is 1,250. 3. SCENARIOS (60 months) A. Split: 1,000 to the house, 250 to the emergency fund. House: 60 x 1,000 = 60,000, on target. Emergency fund: 9,600 + 60 x 250 = 24,600, still 4,200 short of 28,800. B. Emergency fund first: 1,250 a month until it is full, then all to the house. Emergency fund full in month 16 (19,200 / 1,250 = 15.36). 16 x 1,250 = 20,000, so 800 goes to the house. House: 800 + 44 x 1,250 = 55,800, short 4,200. C. Emergency fund first, then add the 410 car payment after the loan ends. Months 1 to 16: emergency fund full, 800 to the house. Months 17 to 23: 7 x 1,250 = 8,750 to the house. Months 24 to 60: 37 x (1,250 + 410) = 37 x 1,660 = 61,420 to the house. House: 800 + 8,750 + 61,420 = 70,970, above the 60,000 target. 4. TRADE-OFFS A reaches the house target but leaves the emergency fund short for five years. B builds the cushion first but misses the house target by 4,200. C reaches both, but only if the car loan ends on schedule and spending stays at 6,150. 5. QUESTIONS FOR THE PLANNER - Is paying the 6.9 percent car loan early better for us than scenario C? - Is our 401(k) saving on track for our ages? (We need our contribution rates and any employer match.) - Should a 5 year down payment fund stay in cash, given we assumed 0 percent growth? - What insurance should a household with a 3 year old review? 6. BRING TO THE MEETING 401(k) statements with contribution rates, the car loan statement, pay stubs, and any employer benefits summary. Not financial advice. Review these scenarios with a licensed professional.