Paid Product
Personal Finance GPT
A CPA-designed ChatGPT setup kit that turns ChatGPT into your private spending analyst, budget coach, and subscription auditor.
No app. No bank connection. No monthly fee. One purchase, yours forever.
What You're Buying
You're not buying an app. You're buying a professionally engineered prompt and knowledge kit that you load into your own ChatGPT account. Think of it as the difference between asking ChatGPT a question and handing it a CPA playbook.
What's in the ZIP
- System instructions — 7,000-word prompt that defines how the GPT analyzes data, categorizes spending, and stays safe (no hallucinated tax or investment advice)
- 4 knowledge documents — budgeting frameworks, US tax reference tables (2025-26), Bogleheads investment principles, and 6 common financial scenarios with playbooks
- 5 workflow starters — monthly review, annual planning, tax-prep organization, subscription audit, debt payoff comparison
- Synthetic demo CSV — 60+ transactions so you can test every workflow without sharing real bank data
- Setup guide — step-by-step with screenshots, redaction checklist, and troubleshooting
- Welcome message — paste it in, start talking, get a financial review in minutes
Why this instead of just asking ChatGPT?
Features
Monthly Spending Review
Upload a CSV and get income, expenses, category totals, flagged unusual items, and actionable review questions — in seconds.
Subscription & Recurring Audit
Identifies likely recurring charges, estimates annual costs, and separates subscriptions from bills, debt, and transfers.
Budget Suggestions
Compares observed spending to a proposed budget based on your income, obligations, and priorities. Shows alternatives.
Debt Payoff Comparison
Avalanche vs snowball side-by-side, with estimated timelines, total interest, and payoff order for each debt.
Annual Planning
Year-over-year review, goal-setting, savings rate tracking, and a monthly checkpoint list to stay on track.
Tax-Prep Organization
Groups potentially tax-relevant transactions and creates a checklist and questions for your tax professional — without giving tax advice.
CSV Validation
Checks headers, dates, and amounts. Identifies duplicates, blank rows, and sign convention issues before analysis starts.
Safety Guardrails
Refuses to give investment, tax, or legal advice, labels calculations as estimates, and asks for confirmation before saving durable budget assumptions or preferences.
Demo Mode
Synthetic CSV included so you can test every workflow without sharing a single real transaction.
One-Time Purchase
30-day money-back guarantee. No subscription, no recurring charge. United States only, prices in USD.
v1.0.0 — you own it forever
- ✓Full v1.0.0 package
- ✓Full refund within 30 days
- ✓No future-update entitlement included
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FAQ
Do I need a ChatGPT subscription?
Yes. ChatGPT Plus ($20/mo) or Pro ($200/mo) is required. This product works inside ChatGPT — it needs their Custom GPT feature.
Is this an app I install?
No. You receive a ZIP file with instructions, system prompt, knowledge documents, and workflow starters. You manually configure a Custom GPT in ChatGPT following the step-by-step setup guide (~10 minutes).
Does this connect to my bank?
No. You export a CSV from your bank's website and upload it during a conversation. No bank credentials, no Plaid, no account linking.
Is my data safe?
The setup guide includes a redaction checklist — you remove account numbers, SSNs, and sensitive identifiers before uploading. Your data stays in your ChatGPT account. We never receive or store your financial data.
Can this file my taxes?
No. The tax-prep workflow helps you organize transactions and build a checklist for your tax professional. It does not calculate tax liability or determine deductions.
Does it give investment advice?
No. Knowledge docs cover Bogleheads investment principles as educational background. The GPT will not recommend specific stocks, funds, or securities.
What banks' CSVs work?
Any bank export with Date, Description, and Amount columns. Tested with formats from Chase, Bank of America, Wells Fargo, and major credit unions. Supports up to 800 rows per file.
What if I don't like it?
You can request a full refund within 30 days of purchase through /contact?tool=finance-gpt. No prorated refunds are offered after 30 days.
Who Built This?
Andrew Setness is a licensed California CPA with an MBA, currently a Product Manager at Workday Adaptive Planning leading AI/ML product initiatives. His day job is building financial planning software used by thousands of enterprises. This product distills that expertise into a tool individuals can actually use.
Active CPA license • MBA in Finance • Product leadership at Workday • Full-stack builder
Not What You're Looking For?
If you need personalized financial planning, fractional CFO services, or AI consulting for your accounting firm, let's talk.
Book a 30-Minute ConsultThis tool provides educational estimates only. It does not constitute financial advice, tax advice, or investment recommendations. Consult a qualified professional for personalized advice.