AI Prompt Library

Act as a cash flow analyst.

Analyze the past [Insert Number, e.g., 12] months of transactions to:

1. Map out my recurring cash receipt and payment cycles (when money typically comes in vs. goes out).
2. Identify the specific times of month or year when my cash balance has historically dipped to its lowest points, and explain what drove each dip.
3. Compare my upcoming scheduled outflows (recurring bills, ACH debits, loan payments) against my average incoming revenue pattern.
4. Produce a week-by-week risk rating (Low / Medium / High) for the next [Insert Time Period, e.g., quarter], where "risk" means chance of a cash crunch..

OUTPUT: Format as a table: Week | Risk Rating | Why

At the end, add one line noting this is based on historical patterns and scheduled items visible in the data, and unscheduled expenses or revenue changes will affect actual results. Then generate the PDF summarizing the content.

RULES: If any portion of the prompt is incomplete, please flag it immediately and prompt me back to ensure all portions of the prompt are filled out.

DATA SOURCE: If you're connected to my Grasshopper account(s) via the MCP connector, pull my transaction history directly.

Act as a payment processing consultant.

My account shows net deposits and fee debits from [Insert Processor, e.g., Stripe, Shopify, or Square] over the last [Insert Number, e.g., 90] days.

1. Calculate my total gross customer sales, total processing fees deducted, and net cash actually deposited into my Grasshopper account.
2. Calculate my true effective fee rate as a percentage of gross sales (Total Fees ÷ Gross Sales).
3. Compare that effective rate against my baseline target of [Insert Target Rate, e.g., 2.9% + $0.30 per transaction], and tell me whether — and by how much — I'm exceeding it. Note if cross-border fees, instant payout fees, or chargebacks are visible drivers of the gap.

Present as: a summary table (Gross Sales / Total Fees / Net Deposited / Effective Rate / Target Rate / Gap). Add one line noting these figures reflect only what's visible in the Grasshopper transaction data and should be cross-checked against the processor's own dashboard, since not all fee types may appear identically in bank data.

OUTPUT: Produce exactly these two sections, in this order, with these exact headings:

1. Fee Summary A table with exactly these ten rows, in this order: | Line | Amount | |---|---| | Gross Customer Sales | ... | | Base Processing Fees | ... | | Instant Payout Fees | ... | | Cross-Border Fees | ... | | Dispute Fees | ... | | Total Fees | ... | | Chargeback Principal (lost revenue, not a fee) | ... | | Net Deposited | ... | | Effective Fee Rate (Total Fees ÷ Gross Sales) | ...% | | Excess vs Baseline | ...% | Then this reconciliation line, filled in with your numbers: Reconciliation: Gross Sales − Total Fees − Chargeback Principal = Net Deposited → [gross] − [fees] − [chargebacks] = [net] ✓/✗
2. Savings Checklist Exactly 3 rows: | # | Change | Est. Monthly Savings | Trade-off | |---|---|---|---| | 1 (EXAMPLE) | Turn off instant payouts | $120.00 | Cash arrives 2 business days later |

RULES: If any portion of the prompt is incomplete, please flag it immediately and prompt me back to ensure all portions of the prompt are filled out.

DATA SOURCE: If you're connected to my Grasshopper account(s) via the MCP connector, pull my transaction history directly.

You are acting as my financial analyst.

Pull all transactions from my [ACCOUNT NAME] account for the past [NUMBER, e.g., 12] months.

1. Calculate total incoming deposits, total outgoing expenses, and net cash flow for each calendar month. Present this as a table: Month | Inflows | Outflows | Net.
2. Using that table, identify my seasonal pattern: which months are reliably my peaks and which are my troughs, citing the actual figures.
3. My target operating cash buffer is $[CUSHION AMOUNT, e.g., 50,000]. Identify the months where my history shows I risk dipping below that buffer, using actual balance figures where available.
4. Propose a reserve accumulation plan: given my peak months of [PEAK MONTHS] and low months of [LOW MONTHS], calculate how much surplus I should sweep into my Money Market Savings account during each peak month so that the combined historical deficit of my low months is covered without touching credit. Show the arithmetic: (total low-month deficit + buffer shortfall) ÷ number of peak months.

OUTPUT: Produce exactly these four sections, in this order, with these exact headings:

1. Monthly Cash Flow. Exactly 12 monthly rows plus one TOTAL row: | Month | Inflows | Outflows | Net | |---|---|---|---| | 2025-07 (EXAMPLE) | $80,974.00 | -$94,800.00 | -$13,826.00 | | TOTAL | ... | ... | ... |
2. Seasonal Pattern | Type | Months | Evidence (net figures) | |---|---|---| | PEAK | ... | ... | | TROUGH | ... | ... |
3. Buffer Breaches | Period | Lowest Balance | Date | Amount Below $50,000 Buffer | |---|---|---|---| If none: write exactly "NO BUFFER BREACHES FOUND".
4. Sweep Plan. Show the formula filled in with your numbers on one line: Sweep per peak month = (combined low-month deficit [$...] + buffer shortfall [$...]) ÷ 2 peak months = $... Then a maximum of three sentences on how to operationalize it.

RULES: Build every figure from the transactions you actually pulled — show monthly totals so I can spot-check them. If fewer than 12 full months are available, tell me and note that the seasonal read is weaker. This is a planning framework based on my past cash flows, not a guarantee of future performance; sweep amounts are starting points for me to adjust. If any portion of the prompt is incomplete, please flag it immediately and prompt me back to ensure all portions of the prompt are filled out

DATA SOURCE: If you're connected to my Grasshopper account(s) via the MCP connector, pull my transaction history directly.

You are acting as my fractional CFO.

My current balance on that account is [CURRENT AMT ON ACCOUNT].

Then:

1. Classify every recurring outflow as FIXED OVERHEAD (rent, payroll, insurance, core software/infrastructure) or VARIABLE GROWTH SPEND (advertising, contractors, one-off projects). Show me the classification so I can correct it.
2. Calculate average monthly gross burn (total outflows), average monthly revenue (total inflows), and net burn (gross burn minus revenue).
3. Using net burn and my current balance, calculate my runway in both months and days.
4. My minimum payroll reserve is $[RESERVE]. Calculate the estimated calendar date my balance would fall below that reserve if nothing changes, and show the formula you used.
5. Produce a downloadable one-page PDF brief summarizing the high-level points: headline numbers (current balance, net burn, runway, reserve-breach date), the outflow classification, a metric/value/how-it-was-calculated table, and the short commentary. Give me a download link.

OUTPUT: First present the analysis in chat as one summary table (Metric | Value | How it was calculated), followed by at most three sentences of commentary. Then generate the PDF described in step 5.

RULES: Use only transactions actually in the account — never estimate or invent line items. Use the most recent transaction date as "today." If any month's data is incomplete, tell me instead of extrapolating. Every figure in the PDF must trace back to a transaction in the account. If any portion of the prompt is incomplete, please flag it immediately and prompt me back to ensure all portions of the prompt are filled out.

DATA SOURCE: If you're connected to my Grasshopper account(s) via the MCP connector, look at my [ACCOUNT NAME/TYPE] account.

You are acting as my bookkeeper preparing a draft expense categorization for my tax preparer to review.

Pull all transactions from my [ACCOUNT NAME] account for [START DATE] to [END DATE].

1. Assign every outgoing transaction to one draft IRS Schedule C expense category from this list: Advertising, Car & Truck, Commissions & Fees, Contract Labor, Cost of Goods Sold, Insurance, Interest, Legal & Professional Services, Office Expense, Rent or Lease, Repairs & Maintenance, Supplies, Taxes & Licenses, Travel, Meals, Utilities, Wages, Other. Use the vendor name and transaction type as your evidence, and state the evidence for any assignment that isn't obvious.
2. Put any transaction you cannot confidently categorize into a separate "Requires Receipt/Clarification" list instead of guessing — especially ATM withdrawals, transfers between my own accounts, numbered checks with no payee, person-to-person payments, and generic or truncated merchant descriptions. Never invent a payee or purpose. Note that transfers between my own accounts are not business expenses at all and must not appear in any expense category.
3. Give me two outputs: (a) a summary table of totals by category, and (b) the full transaction list as a clean table (Date | Description | Amount | Draft Category | Flag) that I can copy for my tax preparer.

OUTPUT: Generate a PDF summarizing the content. Produce exactly these three sections, in this order, with these exact headings:

1. Category Summary One row per category used, then exactly these four reconciliation rows at the bottom, in this order: | Category | Total | |---|---| | Rent or Lease (EXAMPLE) | $26,400.00 | | — Total Categorized (OK) | ... | | — Total REVIEW | ... | | — Total EXCLUDED (transfers) | ... | | — Grand Total Outflows | ... | Grand Total Outflows must equal the sum of the three lines above it, and must equal the sum of all outgoing transactions in the file.
2. Requires Receipt/Clarification Every REVIEW and EXCLUDED transaction: | Date | Description | Amount | Flag | Why | |---|---|---|---|---| | 2025-02-14 (EXAMPLE) | ATM Withdrawal | -$300.00 | REVIEW | No payee or purpose in description |
3. Full Transaction Table Every outgoing transaction, in date order: | Date | Description | Amount | Draft Category | Flag | |---|---|---|---|---| | 2025-01-01 (EXAMPLE) | Acme Properties | -$2,200.00 | Rent or Lease | OK |
4. Flag columns may contain only: OK, REVIEW, or EXCLUDED. Dates: YYYY-MM-DD.

RULES: This is a draft categorization for my tax professional to review — do not present any assignment as a final tax determination, and do not advise me on deductibility. If a transaction could plausibly fit two categories, pick one, mark it with an asterisk, and list the alternative. If any portion of the prompt is incomplete, please flag it immediately and prompt me back to ensure all portions of the prompt are filled out.

DATA SOURCE: If you're connected to my Grasshopper account(s) via the MCP connector, pull my transaction history directly.

Act as an accounting clerk helping me reconcile my Grasshopper statement against my internal ledger.

1. Flag any transactions with the exact same amount that occurred within [Insert Number, e.g., 5] days of each other — these are potential duplicate charges or double-billing. List each flagged pair with dates and amounts.
2. Separately, flag round-number transfers (e.g., exact amounts like $500.00 or $1,000.00 with no cents) that don't have an obvious matching invoice or bill description in the data. For each one, note what supporting document I should go find (invoice, receipt, contractor agreement) to confirm it wasn't a personal distribution.
3. Reformat the transaction list into columns ready for import into [Insert Software Name, e.g., QuickBooks]: Date, Description, Category, Amount, Debit/Credit.

Present the duplicate flags and round-transfer flags as two separate tables, followed by the reformatted import-ready data. Add one line noting that flagged items are patterns worth reviewing, not confirmed errors, and each should be verified against actual records before any correction is made.

OUTPUT: Produce exactly these three sections, in this order, with these exact headings:

1. Potential Duplicates | Description | Amount | Date 1 | Date 2 | Days Apart | |---|---|---|---|---| | Acme Software (EXAMPLE) | -$99.00 | 2026-04-02 | 2026-04-04 | 2 | If none: write exactly "NO DUPLICATES FOUND" and nothing else in this section.
2. Round-Dollar Transfers — Documentation Checklist | Date | Description | Amount | Document Needed | |---|---|---|---| If none: write exactly "NO ROUND-DOLLAR TRANSFERS FOUND".
3. Import Table Every transaction, in date order, no omissions: | Date | Description | Amount | Category | |---|---|---|---| Category column: leave blank in every row. Dates everywhere in this output: YYYY-MM-DD. Amounts: negative sign for debits, two decimals.

RULES: If any portion of the prompt is incomplete, please flag it immediately and prompt me back to ensure all portions of the prompt are filled out

DATA SOURCE: If you're connected to my Grasshopper account(s) via the MCP connector, pull my transaction history directly.