What time period should I use for the spending analysis?

Three months gives a current snapshot; six months shows seasonal patterns; twelve months gives the most complete picture. Replace [3/6/12] in the prompt with your preferred number before sending.

Will the AI catch annual subscriptions that only hit once a year?

Yes — if the charge appears in your transaction history, the AI can identify it. For charges outside the selected window, it may not appear. Running a 12-month analysis helps surface annual renewals.

Can I customize the categories?

Yes. After the initial analysis, follow up with: 'Recategorize [merchant] as [category] and re-run the discretionary vs. essential breakdown.' The AI will adjust accordingly.

What if some of my accounts aren't connected?

The analysis only covers connected accounts. The AI will note which accounts it can see. Connect any missing accounts in Finta before running the prompt for a complete picture.

Finta MCP · Personal finance

Updated June 2026

Spending Analysis Prompt for Finta MCP

Paste this prompt into your AI assistant to get a full breakdown of your spending by category, catch forgotten subscriptions, and find your top 3 savings opportunities, all from your real transaction data.

Set up Finta MCP

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

Prompt

Set [3/6/12] before sending

Using my Finta data, analyze my spending for the past [3/6/12] months.

1. Spending by category
- List my top 10 categories by total spend
- Show the percentage of total each represents
- Flag any categories that increased more than 20% vs. the prior period

2. Recurring charges audit
- List all recurring and subscription charges (monthly or annual)
- Group by type: streaming, software, memberships, subscriptions
- Flag anything that looks like a forgotten or duplicate service

3. Discretionary vs. essential
- Separate my spending into needs (housing, utilities, groceries, insurance, transportation) vs. wants (dining out, entertainment, shopping, travel)
- What percentage of my spending is discretionary?

4. Spending trends
- Is my overall spending trending up or down?
- What's my average monthly spend over this period?
- What's my highest and lowest spending month?

5. Opportunities
- Based on the patterns you see, what are my top 3 opportunities to reduce spending without a major lifestyle change?

Use actual numbers from my transactions. Be specific — I want real figures, not generalizations.

What's inside

Section by section

What the prompt asks for

Five sections, each answered from your real transactions. Replace [3/6/12] with the number of months you want before you send it.

Spending by category: Your top 10 categories by total spend, the share of the total each one is, and any category up more than 20% on the prior period.; Transactions · Categories
Recurring charges audit: Every monthly or annual charge, grouped by type, with anything that looks forgotten or duplicated flagged.; Transactions
Discretionary vs essential: Needs against wants, and the share of your spending that is discretionary.; Categories
Spending trends: Direction, average monthly spend, and your highest and lowest month in the period.; Transactions
Opportunities: Your top three ways to spend less without a big lifestyle change, with real figures.; Everything above

Setup

Three steps to your first answer

Connect your bank and credit card accounts in Finta.
Install the Finta MCP server in your AI client.
Paste the prompt, set the months, 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
Transactions
Categories
Storage Mode on

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Spending analysis prompt questions

What time period should I use for the spending analysis?: Three months gives a current snapshot; six months shows seasonal patterns; twelve months gives the most complete picture. Replace [3/6/12] in the prompt with your preferred number before sending.
Will the AI catch annual subscriptions that only hit once a year?: Yes — if the charge appears in your transaction history, the AI can identify it. For charges outside the selected window, it may not appear. Running a 12-month analysis helps surface annual renewals.
Can I customize the categories?: Yes. After the initial analysis, follow up with: 'Recategorize [merchant] as [category] and re-run the discretionary vs. essential breakdown.' The AI will adjust accordingly.
What if some of my accounts aren't connected?: The analysis only covers connected accounts. The AI will note which accounts it can see. Connect any missing accounts in Finta before running the prompt for a complete picture.

Finta MCP prompt

Connect your accounts, then ask anything.