AI Money Tools
Use AI to Save Money: 12 Free Prompts That Cut Bills and Find Deals
Free AI assistants can write your negotiation scripts, build a budget and plan cheap meals in minutes. Copy these 12 prompts.
Free Tools · AI Helper
AI Money Helper
Use free AI assistants to write letters, build budgets, find help and plan your next move — safely.
AI assistants can be like having a patient helper on call: they can draft a hardship letter, explain a confusing bill, build a meal plan from what’s in your pantry, or polish your resume. Many are free to use.
AI can make mistakes, though. Double-check anything important — especially deadlines, eligibility rules and numbers — with the official source.
Ask the Hard Times AI Helper
Hard Times AI HelperSmart guide · points you to the right help
Hi! I'm here to help you save money, cut bills, find free help and earn more. What's going on? (Please don't share account numbers or your SSN.)
General information only — not financial, legal or medical advice. In an emergency dial 911; for local help dial 211.
Copy-ready AI prompts for money problems
Free tool
AI Money Prompt Library
Copy-and-paste prompts for any free AI chatbot to help with budgets, bills, jobs and letters.
Privacy first: never paste your Social Security number, account numbers, passwords or full card numbers into any AI tool. Use rough numbers and [placeholders] instead.
AI can be wrong. Double-check numbers, laws and program rules with official sources.
Free AI assistants to try
Each offers a free tier; paid plans add features. Features and limits change — check current terms.
Claude Free + PaidAnthropic’s AI assistant — strong at writing, explaining and careful reasoning.claude.ai ↗ChatGPT Free + PaidOpenAI’s popular assistant for writing, planning and answering questions.chatgpt.com ↗Google Gemini Free + PaidGoogle’s assistant, works with many Google services.gemini.google.com ↗Microsoft Copilot Free + PaidMicrosoft’s assistant, built into Windows, Edge and Microsoft 365.copilot.microsoft.com ↗Perplexity Free + PaidAI search that shows its sources — handy for fact-checking.perplexity.ai ↗
Smart ways to use AI for your money
Build a budget
Share your income and bills (no account numbers) and ask for a simple, realistic plan.
Write hardship letters
Draft letters to landlords, lenders, hospitals and utilities asking for payment plans.
Understand confusing bills
Ask AI to explain a medical bill or insurance notice in plain language — with personal info removed.
Plan cheap meals
List what’s in your pantry and ask for budget recipes and a shopping list.
Job search help
Tailor your resume to a listing, write cover letters and practice interview questions.
Spot scams
Paste a suspicious message (remove your details) and ask what red flags it shows.
Negotiate bills
Get a script to call your internet, phone or insurance company and ask for a lower rate.
Learn a new skill
Ask for a beginner learning plan for a skill that could lead to more income.
Getting better answers from AI
- Give context: your situation, your state or country, and what you’ve already tried.
- Ask for plain language, step-by-step, and a short list of options.
- Ask “What should I double-check with an official source?”
- If an answer seems off, ask it to explain its reasoning or show sources.
- Read our guide: How to use AI to save money.
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