See Exactly Where Your Money Goes
Financial Clarity Toolkit
Six prompts that turn a wall of transactions into decisions you can act on. Everything runs on text you paste — Claude has no access to your bank, and you black out anything sensitive before it ever sees a line. It's built to be honest with numbers: it uses only the figures in your statement, shows the arithmetic behind every total, and flags anything it can't read instead of guessing. This is an educational tool to help you understand your own money — not financial, investment, tax, or legal advice — and since it can misread a line or slip on the math, glance over the totals before you act and take any big decision to a qualified professional. Written for how India and Brazil actually bank: ₹ and UPI AutoPay, R$ and Pix Automático, EMIs, boletos, SIPs, and cash withdrawals.
What you'll be able to do
Paste your bank, UPI, or card statement and get your spending sorted into plain categories, a budget that fits your real income, a debt payoff plan with a debt-free date, a savings goal sized to what you actually have left, a bill calendar, and every silent subscription you forgot you're paying for.
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What's inside
- 01Claude Cowork
Categorize Your Spending
Start here — every other prompt in this kit builds on it. Paste your bank, UPI, or card statement (one month is enough) and it sorts every transaction into plain categories, each tagged Need, Want, or Savings.
Example · Input
One month of my bank statement, about 90 rows — date, description exactly as the app shows it, and amount in ₹.
Example · Output
A transactions table (Date | Description | Amount | Category | N/W/S), a category summary sorted largest-first with % of spend and transaction counts, your headline total spend / income / net, and a 'couldn't read' list quoting anything unclear.
Buy the pack to reveal the full prompt. - 02Claude Cowork
Build a Budget That Fits Your Income
Run after Categorize Your Spending. Paste your category summary and tell it your monthly take-home income; it picks the budgeting method that actually fits your numbers and shows you exactly what to change.
Example · Input
My category totals from the last prompt, plus take-home income ₹65,000/month.
Example · Output
Your current Needs/Wants/Savings split next to the 50/30/20 target, a recommended framework with a one-line why, a budget table (spend now | suggested | change ↑/↓ | note), and 3 specific cuts from your real merchants with the exact monthly amount each frees.
Buy the pack to reveal the full prompt. - 03Claude Cowork
Make a Debt Payoff Plan
List each debt — name, balance, interest rate, and minimum payment — plus the total you can put toward debt each month. It compares the Avalanche and Snowball methods with real month-by-month math and hands you a schedule with a debt-free date.
Example · Input
Credit card ₹80,000 at 42% APR, min ₹4,000; personal loan ₹1,50,000 at 16%, min ₹5,000; phone EMI ₹20,000 at 0%, min ₹3,500. I can pay ₹18,000/month total.
Example · Output
A debt table, Avalanche vs Snowball side by side (debt-free date, total months, total interest, interest saved), a recommended method, a payoff schedule showing month 1 and every payoff milestone, and the line 'You'll be debt-free by <Month Year>.'
Buy the pack to reveal the full prompt. - 04Claude Cowork
Set a Savings Goal You'll Actually Hit
Paste your monthly income and spending (the category summary works). It sizes a goal — an emergency fund by default — to your real surplus, then gives you a monthly amount you can sustain and the date you'll reach it.
Example · Input
Take-home ₹65,000/month, total spend ₹52,000, essential (Needs) spend ₹34,000. Goal: emergency fund.
Example · Output
A target amount with its derivation, your real monthly surplus, a sustainable and a stretch contribution (each with % of income), the month/year you'll reach it, a 25/50/75/100% milestones table, and an honest reality-check if there's nothing left to save.
Buy the pack to reveal the full prompt. - 05Claude Cowork
Build Your Bill Calendar
Paste 2–3 months of statements so it can spot the charges that repeat — rent, utilities, EMIs, auto-debits. It builds a bill calendar sorted by due day and a reusable template you keep updating by hand.
Example · Input
Three months of my bank statement so recurring charges show up across the months, plus my payday.
Example · Output
A bill calendar (Bill | Amount | Due day approx | Frequency | Auto-debit? | Category) grouped before/after payday, your total fixed bills as a % of income, a blank paste-forward template with a 'Paid this month?' box, and a 'watch for' note on bills that rose or annual charges landing later.
Buy the pack to reveal the full prompt. - 06Claude Cowork
Find the Subscriptions Draining You
Paste as many months as you can — 6 to 12 catches the yearly renewals that hide. It hunts down recurring subscriptions, decodes cryptic names, scores how sure it is, and adds up the annual total you're actually paying.
Example · Input
Six months of my card and UPI statements so annual charges and small monthly ones both show up.
Example · Output
A subscriptions table (Merchant | likely what it is | Amount | Frequency | Last seen | Times charged | Confidence H/M/L), a 'likely forgotten' shortlist, the annualized cost of each plus your total annual subscription spend, and cancel steps for your region.
Buy the pack to reveal the full prompt.