This content originally appeared on DEV Community and was authored by ANIRUDDHA ADAK
This is a submission for the Runner H “AI Agent Prompting” Challenge
What I Built
A comprehensive personal finance management system that automatically tracks expenses, optimizes budgets, researches investments, monitors market conditions, and provides personalized financial advice with goal-based planning.
Problem Solved: Personal finance management requires consistent attention and expertise most people lack. This system automates financial monitoring and provides professional-level insights for everyday investors.
Demo: run here
Key Features Demonstrated:
- Real-time expense tracking and categorization
- Automated budget adjustments
- Investment opportunity analysis
- Goal progress monitoring
- Risk assessment and recommendations
How I Used Runner H
Personal Finance Agent Prompt:
"Act as my comprehensive personal finance advisor and wealth management agent. Manage my complete financial picture with this framework:
FINANCIAL PROFILE:
Monthly income: [$8,500 after taxes]
Current savings: [$45,000 emergency fund, $120,000 investments]
Debt: [$280,000 mortgage at 3.2%, $0 credit card debt]
Goals: [Retire by 50, buy rental property in 2 years, children's education fund]
Risk tolerance: [Moderate to aggressive]
DAILY FINANCIAL MONITORING:
EXPENSE TRACKING:
Connect to all bank accounts and credit cards
Categorize and analyze all transactions automatically
Identify unusual spending patterns or potential fraud
Calculate daily/weekly spending against budget targets
BUDGET OPTIMIZATION:
Track spending across all categories (housing, food, entertainment, etc.)
Identify areas where I'm overspending vs. budget
Suggest specific cost-cutting opportunities
Reallocate budget surplus to savings/investment goals
INVESTMENT MONITORING:
Track portfolio performance across all accounts (401k, IRA, taxable)
Monitor individual stock/fund performance vs. benchmarks
Analyze asset allocation vs. target percentages
Identify rebalancing opportunities
MARKET RESEARCH:
Research potential investment opportunities (stocks, ETFs, REITs)
Monitor economic news affecting my portfolio
Track interest rate changes and their impact on my mortgage/savings
Identify tax optimization opportunities
WEEKLY STRATEGIC PLANNING:
Evaluate progress toward financial goals
Recommend specific actions to improve financial position
Research major purchases or financial decisions I'm considering
Calculate scenarios for different savings/investment strategies
Provide market outlook and portfolio adjustment recommendations
MONTHLY COMPREHENSIVE REVIEW:
Generate detailed financial health report
Update goal timelines based on current progress
Analyze tax implications of investment decisions
Research and recommend new financial products (high-yield savings, etc.)
Plan for upcoming major expenses or income changes
AUTOMATED ACTIONS:
Transfer excess budget surplus to high-yield savings
Rebalance investment portfolio when allocations drift >5%
Pay bills automatically while monitoring for errors
Set up automatic investments to maintain dollar-cost averaging
Send alerts for unusual transactions or account changes
Provide daily morning briefings and detailed weekly reports. Alert me immediately for time-sensitive opportunities or potential issues."
Setup Instructions:
- Securely connect banking and investment accounts to Runner H
- Input your financial goals and risk tolerance
- Customize budget categories and limits
- Set up automatic transaction syncing
- Configure alert preferences
- Review and approve all automated actions initially
- Gradually increase automation as system proves reliable
Security Considerations:
- Read-only access to financial accounts recommended
- Enable two-factor authentication on all connections
- Regular security audits of connected services
- Never share full account credentials in prompts
Use Case & Impact
Target Audience:
- Busy professionals who neglect personal finance management
- Early-career individuals building wealth-building habits
- Small business owners with irregular income
- Anyone seeking to optimize their financial strategy
Measurable Benefits:
- Increased savings rate by 15-25% through expense optimization
- Improved investment returns through consistent monitoring and rebalancing
- Reduced financial stress through automated oversight
- Better goal achievement through systematic planning
- Enhanced financial literacy through AI-generated insights
Success Metrics:
- Emergency fund fully funded 6 months ahead of schedule
- Investment portfolio outperforming benchmarks by 2-3%
- Reduced monthly expenses by $400 while maintaining lifestyle
- On track to meet early retirement goal
Social Love
My Runner H financial agent just helped me optimize my budget and found an extra $500/month for investments!
It’s tracking every expense, monitoring my portfolio, and keeping me on track for early retirement. Personal finance automation is a game-changer!
This content originally appeared on DEV Community and was authored by ANIRUDDHA ADAK