The Five-Minute AI

AI Prompts for Saving Money and Shopping

Copy-ready prompts that help you lower your bills, find subscriptions you forgot about, compare products, and plan a budget you can stick to.

Tap Copy prompt, paste it into ChatGPT, Gemini, Copilot, or any AI chat app, and swap the words in [brackets] for your own details.

5 free prompts to copy now

1.Lower a monthly bill

I pay $[amount] a month for [internet / phone / car insurance] with [company]. Write me a short, polite script to call them and ask for a lower price. Include what to say if they say no the first time, and two questions to ask about current promotions or loyalty discounts. Keep it friendly and under 150 words.

2.Find hidden subscriptions

Here is a list of charges from my last two bank statements: [paste the charges, with account numbers removed]. Find anything that looks like a recurring subscription or membership, group them, add up the monthly total, and tell me which ones people most often forget they are paying for.

3.Should I buy it now or wait?

I'm thinking about buying [product] for about $[price]. Ask me up to five quick questions about how I'd use it, then help me decide whether to buy now, wait for a sale, buy used or refurbished, or skip it. Tell me which times of year this kind of product is usually discounted.

4.Compare two products fairly

Help me choose between [product A] and [product B]. I mostly need it for [what you'll use it for] and my budget is $[amount]. Make a simple table of the differences that actually matter for my use, then give a one-line recommendation and the one thing I should double-check in real reviews before buying.

5.Build a simple monthly budget

My take-home pay is about $[amount] a month. My fixed costs are [rent or mortgage, car, insurance, phone and so on with amounts]. Build me a simple monthly budget using plain categories, suggest a realistic savings amount, and point out the one or two categories where people in my situation usually overspend.

20 more money prompts

  1. 6. Weekly grocery plan on a budgetFree with signup

  2. 7. Decode a confusing billFree with signup

  3. 8. Negotiate a lower price on a big purchaseFree with signup

  4. 9. Gift ideas under a budgetFree with signup

  5. 10. Plan for an irregular expenseFree with signup

  6. 11. Pick the right phone planFree with signup

  7. 12. Return or exchange requestFree with signup

  8. 13. Is this extended warranty worth it?Free with signup

  9. 14. Turn a goal into a savings planFree with signup

  10. 15. Make sense of a credit card offerFree with signup

  11. 16. Cut my energy billFree with signup

  12. 17. Write a price-match requestFree with signup

  13. 18. Plan a no-spend weekendFree with signup

  14. 19. Compare the real cost of two optionsFree with signup

  15. 20. Declutter and sellFree with signup

  16. 21. Shopping list from my pantryFree with signup

  17. 22. Ask for a fee to be waivedFree with signup

  18. 23. Holiday spending planFree with signup

  19. 24. Understand a paycheckFree with signup

  20. 25. Rent or buy questionsFree with signup

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More free prompt categories

Privacy tip: leave out passwords, full card or account numbers, and anything you would not want saved. AI tools can make mistakes, so check anything important.