Does the AI use real dividend data or estimates?

Both, clearly labeled. Actual dividends received come from your investment transaction history in Finta. Estimated annual income is calculated from current holdings multiplied by current yield (from market data). The prompt instructs the AI to distinguish between the two.

What brokerage accounts does Finta support?

Finta connects to most major US brokerage accounts through Plaid, including Fidelity, Schwab, Vanguard, and others. See docs.finta.io for the current list.

What should I put in the income goal field?

Replace [X] with your monthly passive income target. For example, if you want $2,000/month, enter 2000. The AI will calculate how much additional capital you'd need at your current average yield to reach that goal.

What counts as an unusually high yield?

The AI uses general thresholds (e.g., yields above 8-10% for equity holdings) as risk flags, since very high yields can indicate dividend cuts or financial distress. It's a prompt for closer review, not a sell signal.

Finta MCP · Personal finance

Updated June 2026

Dividend & Passive Income Prompt for Finta MCP

Paste this prompt into your AI assistant to get a full dividend income summary, yield analysis, concentration check, and a projection of how close you are to your passive income goal.

Set up Finta MCP

Free prompt. Works in Claude, Cursor or any MCP client connected to Finta.

Copied it? Give it your real numbers.

Connect your bank, read-only, and your AI assistant answers this prompt from your synced accounts through Finta MCP.

Prompt

Set $[X] before sending

Using my Finta investment data, analyze my dividend and passive income picture.

1. Dividend income summary
- List all securities in my portfolio that pay dividends
- Show estimated annual dividend income per holding (yield × current value)
- What's my total estimated annual dividend income?

2. Income by account
- Break dividend income down by brokerage account
- Which account generates the most passive income?

3. Yield analysis
- What's my overall portfolio yield (total dividend income ÷ total portfolio value)?
- Which holdings have the highest yield?
- Flag any holdings with unusually high yield that might signal elevated risk

4. Dividend transaction history
- From my investment transactions, show actual dividends received over the past 12 months
- Is my dividend income growing, flat, or declining?
- Which months tend to be highest and lowest for dividend payments?

5. Concentration check
- How concentrated is my dividend income? (e.g., top 3 holdings = X% of total)
- Are any sectors overrepresented in my dividend payers?

6. Path to an income goal
- If I wanted to reach $[X] per month in dividend income, how much additional investment would be needed at my current average yield?

Distinguish clearly between estimated figures and confirmed transaction data.

What's inside

Section by section

What the prompt asks for

Six sections. Estimates come from your holdings, confirmed figures from dividends you actually received, and the AI labels which is which.

Dividend income summary: Every dividend-paying holding, estimated annual income for each, and your total.; Holdings
Income by account: Dividend income by brokerage account, and which one earns the most.; Accounts · Holdings
Yield analysis: Overall portfolio yield, your highest-yield holdings, and a flag on any yield high enough to signal risk.; Holdings
Dividend transaction history: Dividends you actually received over the past 12 months, the trend, and the highest and lowest months.; Investment Transactions
Concentration check: How much of your dividend income comes from your top three holdings, and any sector that dominates.; Holdings
Path to an income goal: How much more you would need to invest to reach a monthly dividend target at your current yield.; Everything above

Setup

Three steps to your first answer

Connect your brokerage accounts in Finta.
Install the Finta MCP server in your AI client.
Paste the prompt, set your income goal or remove that section, and send.

Why the answers are real

Give your AI assistant the data it has been guessing about

Finta MCP lets your assistant read the accounts, transactions and balances Finta has synced, and recategorize transactions. It cannot move money or change your bank connections.

The prompt reads

Accounts
Holdings
Investment Transactions
Storage Mode on

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Dividend and passive income prompt questions

Does the AI use real dividend data or estimates?: Both, clearly labeled. Actual dividends received come from your investment transaction history in Finta. Estimated annual income is calculated from current holdings multiplied by current yield (from market data). The prompt instructs the AI to distinguish between the two.
What brokerage accounts does Finta support?: Finta connects to most major US brokerage accounts through Plaid, including Fidelity, Schwab, Vanguard, and others. See docs.finta.io for the current list.
What should I put in the income goal field?: Replace [X] with your monthly passive income target. For example, if you want $2,000/month, enter 2000. The AI will calculate how much additional capital you'd need at your current average yield to reach that goal.
What counts as an unusually high yield?: The AI uses general thresholds (e.g., yields above 8-10% for equity holdings) as risk flags, since very high yields can indicate dividend cuts or financial distress. It's a prompt for closer review, not a sell signal.

Finta MCP prompt

Connect your accounts, then ask anything.