Preset Prompts

What Are Preset Prompts?

Preset prompts are ready-made goal starters that let you begin tracking a financial objective immediately. Instead of figuring out how to phrase your goal or which category it belongs to, you pick a prompt that matches your situation, and NeoCash creates a fully configured goal with the right category, dashboard type, and initial AI context.

There are 32 preset prompts in total, four for each of the eight goal categories. Each prompt is written as a realistic financial planning request that the AI can immediately begin helping you with.

How to Use a Preset Prompt

Open the goals screen and select “New Goal.”
Browse the categories or scroll through all available prompts.
Tap or click a prompt that fits your situation.
NeoCash creates the goal, assigns the correct category, sets up the dashboard, and opens a conversation thread.
The AI responds to the prompt with an initial assessment and follow-up questions tailored to your situation.

You can edit the prompt text before submitting if you want to customize it. The category assignment is based on the prompt template, so it will be correct by default.

Emergency Fund Prompts

“I want to build a 6-month emergency fund starting from zero. Help me figure out my target amount and a realistic monthly savings plan.” Sets up a goal focused on calculating your essential expenses and creating a contribution schedule.
“I just used most of my emergency savings on a major car repair. Help me rebuild my fund as quickly as possible.” Focuses on accelerated rebuilding strategies and temporary budget adjustments.
“I’m not sure if my current emergency fund is big enough. Help me evaluate whether I have enough saved for my situation.” Analyzes your household size, income stability, and expense profile to assess adequacy.
“I want to move my emergency fund to a higher-yield account without sacrificing accessibility. What are my best options?” Compares high-yield savings accounts, money market accounts, and other liquid options.

Debt Payoff Prompts

“I have credit card debt across three cards totaling about $12,000. Help me create a payoff plan that minimizes total interest.” Sets up an avalanche-method analysis across multiple balances.
“I’m trying to decide whether to refinance my student loans or keep my current repayment plan. Walk me through the pros and cons.” Evaluates refinancing scenarios including rate changes, term adjustments, and federal benefit trade-offs.
“I want to pay off my mortgage 10 years early. Help me figure out how much extra I need to pay each month.” Calculates accelerated payoff schedules with amortization projections.
“I have both high-interest debt and the opportunity to invest. Help me decide how to allocate my extra cash.” Analyzes the math and behavioral factors of debt payoff versus investing.

Retirement Prompts

“I’m 35 and just started thinking seriously about retirement. Help me figure out how much I need to save and where to put it.” Creates a comprehensive retirement savings plan from baseline projections.
“I want to max out all my retirement accounts this year. Help me plan my contributions across my 401(k) and IRA.” Calculates contribution limits, pay period allocations, and employer match optimization.
“I’m considering early retirement at 55. Help me evaluate whether my current savings and investments can support that.” Runs early retirement feasibility analysis including bridge strategies before Social Security.
“I’m five years from retirement and want to start planning my withdrawal strategy. Help me figure out the right order to draw from my accounts.” Plans tax-efficient withdrawal sequencing across account types.

Investment Prompts

“I have $10,000 to invest and a 20-year time horizon. Help me build a diversified portfolio that matches my moderate risk tolerance.” Designs an asset allocation across index funds and ETFs.
“I want to start investing $500 per month automatically. Help me choose the right accounts and funds.” Sets up a dollar-cost averaging plan with specific fund recommendations.
“I inherited some money and want to invest it wisely without taking on too much risk. Help me think through my options.” Evaluates lump-sum versus dollar-cost averaging for a windfall.
“My portfolio has drifted significantly from my target allocation. Help me plan a rebalancing strategy.” Analyzes current versus target allocation and plans tax-efficient rebalancing moves.

Savings Prompts

“I want to save $50,000 for a house down payment within three years. Help me create a savings plan.” Breaks the target into monthly contributions and identifies where to keep the funds.
“I’m planning a wedding next year with a $25,000 budget. Help me set up a savings timeline.” Creates a month-by-month savings schedule aligned to vendor payment deadlines.
“I want to save for a new car and pay cash instead of financing. Help me figure out a realistic timeline.” Calculates savings targets based on desired vehicle price and current capacity.
“I need to build a home renovation fund for a kitchen remodel. Help me estimate costs and create a savings plan.” Combines cost estimation with a structured savings goal.

Tax Planning Prompts

“I want to make sure I’m taking every deduction and credit I’m eligible for this tax year. Help me do a comprehensive review.” Walks through common and uncommon deductions based on your situation.
“I started freelancing this year alongside my full-time job. Help me understand my new tax obligations.” Covers estimated payments, self-employment tax, and deductible business expenses.
“I’m thinking about making a large charitable donation. Help me understand the tax benefits and the best way to structure it.” Analyzes donation strategies including appreciated stock, donor-advised funds, and bunching.
“I’m selling an investment property this year. Help me understand the capital gains implications and any strategies to reduce the tax hit.” Covers 1031 exchanges, installment sales, and capital gains harvesting.

Insurance Prompts

“I just had a baby and need to review my life insurance coverage. Help me figure out how much I need.” Calculates coverage needs based on income replacement, debts, and future expenses.
“Open enrollment is coming up and I need to compare my health insurance options. Help me evaluate the plans.” Compares premiums, deductibles, out-of-pocket maximums, and network coverage.
“I’m wondering if I need an umbrella insurance policy. Help me assess my liability risk.” Evaluates net worth, asset exposure, and risk factors for umbrella coverage.
“I have no disability insurance outside of what my employer provides. Help me figure out if I need more.” Assesses income protection gaps and individual policy options.

Estate Planning Prompts

“I don’t have a will or any estate planning documents. Help me understand what I need and how to get started.” Outlines the essential documents and guides you through prioritization.
“I want to set up a trust to avoid probate and protect my assets. Help me understand my options.” Compares revocable and irrevocable trusts with pros, cons, and use cases.
“I haven’t updated my beneficiary designations in years. Help me create a checklist and review process.” Identifies all accounts that need beneficiary review and flags common mistakes.
“I need to create a plan for what happens if I become incapacitated. Help me set up the right documents.” Covers healthcare directives, financial power of attorney, and related decisions.

After Selecting a Prompt

Once you select a preset prompt, the AI immediately begins working on your goal. It will ask clarifying questions about your specific situation, start populating your dashboard with relevant metrics as you provide information, and generate action items you can begin working on right away. The preset prompt gives the conversation a strong starting point so you spend less time explaining what you need and more time making progress.