4 ChatGPT Tips And Prompts That Can Help You Save Money
ChatGPT isn’t just useful for answering questions—it can also help you save money in ways you might not expect. Whether you're trying to budget better, cut down on grocery costs, or plan an affordable weekend, ChatGPT can help stretch your dollars further. And the best part? You can do all of this with the free version of ChatGPT—no subscription required. Just remember that the free tier does have message limits, so try to be concise when possible.
1. Use ChatGPT to Create a Personalized Budget
Budgeting can be overwhelming, but ChatGPT can simplify the process. Before asking for help, gather your monthly income, list of recurring expenses, and—if applicable—a financial goal, such as saving for a trip or avoiding overdraft fees.
Then try a prompt like:
“I make $2,300 a month. My rent is $1,400, utilities are $250, and my car payment and insurance cost $450. How can I budget to save for a vacation?”
ChatGPT can walk you through potential changes and even help build a categorized budget or spreadsheet.
2. Have ChatGPT Help You Search for Promo Codes
Before checking out online, try asking ChatGPT for promo codes. You can simply say:
“Find discount promo codes for [store/website].”
While success varies, it only takes a moment to try—and sometimes you’ll score discounts on everyday items or big purchases.
3. Plan Affordable Weekends and Activities
Looking for something fun to do without spending much? ChatGPT can help you find free or low-cost activities near your location.
Try prompts like:
“What free events are happening in [your city] this weekend?”
“Find family activities under $10 within 10 miles of my location.”
If events are limited, you can also ask:
“What are some free things to do in my area that aren’t events?”
You might be surprised at what’s nearby.
4. Use ChatGPT to Save on Food and Meal Planning
Groceries and takeout add up fast—but ChatGPT can help you meal plan on a budget.
Try:
“Create a healthy 7-day meal plan for one person for under $60 this week.”
It will generate meals and provide a shopping list, helping you avoid impulse buys and food waste. And if you want to treat yourself:
“What are the best takeout deals near me today?”
You may discover new restaurants while staying within your budget.
Saving money can feel difficult—but tools like ChatGPT can make it easier, more organized, and even fun. With the right prompts, you can use it as a budgeting coach, deal-finder, meal planner, and personal weekend guide—all for free.