Get any report by asking your AI
The Pennyweight web app shows a few core reports — cash flow, spending by category, income, net worth. But the real power is your AI: once you’ve connected Pennyweight to your AI assistant, you can ask for almost any report in plain English and it builds it from your own decrypted transactions. Here are the ones people ask for most — copy a prompt and tweak it.
Everyday money
- Spending breakdown:“Break down everything I spent last month by category, biggest to smallest.”
- Subscription audit:“List all my recurring subscriptions, how much each costs per month, and flag any that went up in price.”
- Cash flow:“What was my cash flow last month — money in, money out, and what I had left over?”
- Merchant trends:“How much have I spent at Amazon this year, and is it trending up or down month over month?”
- By card or account:“Break down last month’s spending by which card or account I used.”
- Category drill-down:“What exactly made up my ‘Shopping’ total last month?”
Trends & forecasts
- Compare periods:“Show me what I spent on dining last quarter and how it compares to the same quarter last year.”
- Savings rate:“What’s my savings rate over the last six months — how much of my income am I keeping?”
- Cash-flow forecast:“Based on my recurring income and bills, what will my checking balance look like at the end of next month — can I afford a $1,500 trip?”
- Net worth over time:“What’s my net worth now, and how has it changed over the last 12 months?”
- Budget check:“Here’s my monthly budget [paste it] — how did my actual spending compare last month, and which categories went over?”
Catch problems
- Unusual charges:“Flag any unusually large or out-of-the-ordinary charges in the last 60 days I should double-check.”
- Duplicate charges:“Check the last three months for any duplicate or double charges from the same merchant.”
- Uncategorized cleanup:“Find all my uncategorized transactions and suggest a category for each.”
- Change history:“Show me every change made to my transactions or rules in the last 30 days.”
Business & taxes
- Tax-deductible expenses:“Pull all my tax-deductible business expenses for 2025, grouped by Schedule C category, and total them.”
- Profit & loss per project:“Show me a profit-and-loss for each of my ledgers this quarter — revenue, expenses, and net for each.”
- Income by source:“Break down all my income last quarter by source — which clients paid me the most?”
- 1099 contractors:“List everyone I paid as a contractor this year, with totals, and flag who crossed the $600 1099 threshold.”
- Mileage:“Summarize my business mileage and vehicle expenses for the year for my tax return.”
- Reimbursements:“Find the business expenses I put on my personal card that I still need to reimburse myself for, and total them.” (Tag them as you go so your AI can find them.)
A note on taxes:these summaries are built to hand to your accountant — they’re a starting point, not tax advice. Always have a professional review anything tax-related.