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How to use ChatGPT to quickly analyze your credit card spending - and why you should

Mar 28, 2025 - zdnet.com
The article discusses how AI can simplify the process of analyzing financial transactions, making it easier to gain insights from data exported from tools like Quicken or QuickBooks. It highlights five reasons to use AI for this purpose, including turning raw data into insights, saving time on manual analysis, uncovering hidden spending patterns, getting tax-ready with minimal effort, and making smarter financial decisions. The article provides a step-by-step guide on exporting transaction data and using AI prompts to analyze it, offering ten general prompts for financial insights and five tax-specific prompts to help with tax preparation.

The general prompts cover understanding data structure, identifying top spending vendors, seeing totals by category, tracking trends over time, catching vendor price increases, finding irregular large expenses, breaking down recurring services, spotting errors or duplicates, comparing year-over-year spending, and identifying areas to cut. The tax-specific prompts focus on grouping tax-deductible expenses, flagging personal expenses in business calculations, summarizing home office deductions, listing charitable contributions, and finding 1099-eligible vendors. The article encourages readers to use AI tools like ChatGPT to analyze their financial data and share their experiences and insights.

Key takeaways:

  • AI can transform raw transaction data into actionable financial insights, saving time and uncovering hidden spending patterns.
  • Exporting transaction data from financial tools like QuickBooks is necessary for AI analysis, which can be done using Excel or CSV formats.
  • Ten AI prompts can help users understand their spending, identify top vendors, track trends, and spot errors or duplicates.
  • Additional tax-specific prompts assist in grouping tax-deductible expenses, flagging personal expenses, and identifying 1099-eligible vendors.
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