5 Questions to Ask Your AI About Your Money Right Now

You connected your finances to AI. Now what?

If you just set up Spendify’s MCP server with Claude, VS Code, or another AI tool — congrats. You now have something most people don’t: an AI assistant that can see your actual financial data.

But staring at a blank chat window and wondering what to ask is a real thing. So here are five prompts you can use right now to get immediately useful answers.

1. “Give me a full spending breakdown for last month”

This is the one to start with. Your AI will pull your transactions, group them by category, and show you exactly where your money went.

What makes this different from looking at your bank app: the AI doesn’t just list categories. It can compare to previous months, flag unusual spikes, and point out patterns you might miss scrolling through a transaction list.

Try it: “Break down my spending for March by category. Compare it to February and highlight anything unusual.”

2. “Run a subscription audit”

Spendify has a built-in prompt for this one. Your AI finds every recurring charge across all your connected accounts, calculates your total monthly subscription cost, and spots duplicates or overlapping services.

Most people are surprised by the number. The average American spends over $200/month on subscriptions, and a third of those go unused in any given month.

Try it: “Run a subscription audit. Show me every recurring charge, what it costs monthly and annually, and flag anything that looks like a duplicate.”

3. “Am I over budget anywhere this month?”

If you’ve set up budgets in Spendify, this prompt becomes incredibly useful mid-month. Your AI compares your budget targets against actual spending across every category and tells you where you stand.

No opening the app, no tapping through screens. Just a plain-English answer: “You’re at 85% of your dining budget with 10 days left in the month.”

Try it: “Check my budget status for this month. Which categories am I close to going over? Which ones have room?“

4. “What are my top 10 merchants by spending?”

Category breakdowns are useful, but merchants tell a more specific story. “Food & Drink” could mean groceries or it could mean you went to the same restaurant 14 times.

This prompt shows you where your money actually goes at the merchant level. It’s often the most eye-opening one.

Try it: “Show me my top 10 merchants by total spending over the last 3 months. Include transaction count and average per visit.”

5. “Categorize my uncategorized transactions”

This one saves real time. If you have transactions sitting in “Uncategorized” because Spendify didn’t recognize the merchant, your AI can go through them in bulk, suggest categories, apply them, and create rules so future transactions from the same merchants sort automatically.

What used to be 20 minutes of manual work becomes a 30-second conversation.

Try it: “Find all my uncategorized transactions and suggest categories for each one. Apply the ones you’re confident about and create rules for those merchants.”

Bonus: chain them together

The real power shows up when you combine these. Try something like:

“Run a full monthly review for March. Break down spending by category, compare to February, check my budget status, flag any subscriptions I might want to cancel, and show my top merchants.”

Your AI handles the whole thing in one go. Multiple tools working together, one comprehensive answer.

Get started

All of these work with any AI tool connected to Spendify’s MCP server. If you haven’t set it up yet, the MCP page has instructions for Claude.ai, Claude Desktop, VS Code, Cursor, and more. Takes about two minutes.

Already connected? Open your AI tool and try prompt #1. You might be surprised by what you find.