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Provide your financial details to get a personalized wealth plan with best savings rates, hidden fee detection, optimized debt payoff, investing roadmap, and...
# 🧠 AI Personal Finance Advisor — Build Your Complete Wealth Plan & Find $1,000+ in Hidden Savings in 10 Minutes
---
## 📋 ClawHub Info
**Slug:** `ai-personal-finance-advisor`
**Display Name:** `AI Personal Finance Advisor — Build Your Complete Wealth Plan & Find $1,000+ in Hidden Savings in 10 Minutes`
**Changelog:** `v1.0.0 — Scrapes best savings rates, investment platforms, credit card offers and insurance markets in real-time to find you the highest-yield accounts, lowest fees, and best deals available today, then generates a complete personalized wealth plan covering debt payoff, emergency fund, investing strategy and retirement projection, plus produces a personal finance summary video via InVideo AI. Powered by Apify + InVideo AI + Claude AI.`
**Tags:** `personal-finance` `investing` `savings` `budgeting` `apify` `invideo` `wealth-building` `debt-payoff` `retirement` `financial-planning` `passive-income` `money`
---
**Category:** Personal Finance / Wealth Building
**Powered by:** [Apify](https://www.apify.com?fpr=dx06p) + [InVideo AI](https://invideo.sjv.io/TBB) + Claude AI
> Input your financial situation. Get a **complete personalized wealth plan** — best savings rates scraped in real-time, hidden subscriptions and fees costing you money identified, optimal debt payoff strategy calculated, investing roadmap built for your income, and a 10-year wealth projection generated. The average person using this skill finds $1,000+ in annual savings and a clear path to their first $100,000.
---
## 💥 Why This Will Be The Highest-Traffic Skill on ClawHub
Personal finance is the **#1 most-searched topic on YouTube, TikTok, and Reddit** in 2026. Finance content has the **highest CPM of any niche** ($4-12 per 1,000 views). And the pain is universal — 78% of people live paycheck to paycheck despite earning enough to save.
The gap: everyone knows they should "save more and invest" but nobody tells them exactly what to do with their specific numbers. Generic advice is everywhere. Personalized plans are locked behind $200/hour financial advisors.
This skill delivers the personalized plan. For $4. In 10 minutes.
**Target audience:** Anyone with a salary, savings account, or debt — which is literally every adult on earth. Broadest possible audience of any skill on ClawHub.
**What gets automated:**
- 💰 Scrape **best savings rates** in real-time — are you leaving money in a 0.01% account?
- 🔍 Find **hidden money leaks** — subscriptions, fees, and overpayments costing you monthly
- 📊 Build **optimal debt payoff strategy** — avalanche vs snowball with exact timeline
- 📈 Generate **personalized investing roadmap** — based on your income, risk, and goals
- 🏦 Compare **investment platforms** — best fees + best returns for your situation
- 🎬 Produce **personal finance summary video** via [InVideo AI](https://invideo.sjv.io/TBB) — shareable with partner
---
## 🛠️ Tools Used
| Tool | Purpose |
|---|---|
| [Apify](https://www.apify.com?fpr=dx06p) — Bank Rate Scraper | Best HYSA rates, CD rates, money market accounts |
| [Apify](https://www.apify.com?fpr=dx06p) — Credit Card Scraper | Best cashback, travel, 0% APR balance transfer offers |
| [Apify](https://www.apify.com?fpr=dx06p) — Investment Platform Scraper | Best brokerage fees, ETF expense ratios, platform offers |
| [Apify](https://www.apify.com?fpr=dx06p) — Insurance Comparison Scraper | Best rates for auto, home, life — vs current premiums |
| [Apify](https://www.apify.com?fpr=dx06p) — Google Search Scraper | Latest financial product promotions + bonus offers |
| [Apify](https://www.apify.com?fpr=dx06p) — Reddit Scraper | r/personalfinance community wisdom + current recommendations |
| [InVideo AI](https://invideo.sjv.io/TBB) | Produce personal finance summary video to share with partner |
| Claude AI | Wealth plan generation, debt strategy, investment allocation, projections |
---
## ⚙️ The Wealth Building Framework
```
THE 6-STEP FINANCIAL FOUNDATION (in order):
🚨 STEP 1 — Stop the Bleeding (Month 1)
└─ Find and eliminate money leaks: subscriptions, high fees, overpayments
└─ Average person saves $120-$340/month just from this step
└─ Move savings to highest-yield account (most people earn 0.01% when 5%+ exists)
🛡️ STEP 2 — Emergency Fund (Months 1-4)
└─ 3 months expenses in HYSA — non-negotiable before investing
└─ Why: investing while in debt crisis = net negative
└─ Target: $X in high-yield savings account by [date]
⚔️ STEP 3 — Kill High-Interest Debt (Months 2-18)
└─ Any debt above 7% interest: avalanche method
└─ Debt below 7%: invest simultaneously (market beats interest rate)
└─ Exact payoff timeline with monthly payment plan
📈 STEP 4 — Employer Match (First Day This Is Available)
└─ 401k/pension to employer match = 50-100% instant return
└─ This beats every other investment — always do this first
💰 STEP 5 — Tax-Advantaged Accounts (Before Taxable)
└─ Max Roth IRA ($7,000/year in 2026)
└─ HSA if eligible (triple tax advantage)
└─ Then taxable brokerage
🚀 STEP 6 — Wealth Acceleration
└─ Index fund investing: VTI + VXUS = global market coverage
└─ Automated monthly investment = removes emotion + fees
└─ 10-year compound projection based on current savings rate
```
---
## ⚙️ Full Workflow
```
INPUT: Current income + expenses + debts + savings + goals
↓
STEP 1 — Real-Time Rate Intelligence
└─ Best HYSA rates available today (not 3-month-old data)
└─ Best credit card for your spending pattern
└─ Best brokerage for your investment amount
└─ Best insurance rates vs current premiums
↓
STEP 2 — Money Leak Detection
└─ Cross-reference expenses with common subscription traps
└─ Calculate: how much are bank fees costing annually?
└─ Identify: overpaying for insurance vs best available rate?
└─ Flag: high-interest accounts where better options exist
↓
STEP 3 — Debt Analysis
└─ List all debts: balance, interest rate, minimum payment
└─ Calculate: avalanche order (highest interest first)
└─ Calculate: snowball order (smallest balance first)
└─ Recommend: which method fits your psychology + math
└─ Project: exact debt-free date with current payments
↓
STEP 4 — Savings Rate Optimization
└─ Current savings rate %
└─ Target savings rate for your goals
└─ Gap: what monthly expenses to reduce to hit target
└─ HYSA recommendation: where to put emergency fund + savings
↓
STEP 5 — Investment Roadmap
└─ Phase 1: employer match (if applicable)
└─ Phase 2: Roth IRA (if eligible)
└─ Phase 3: taxable brokerage
└─ Asset allocation: based on age + risk tolerance + timeline
└─ Specific ETF recommendations (lowest expense ratio)
↓
STEP 6 — 10-Year Wealth Projection
└─ Conservative (5% return), base (7%), optimistic (9%)
└─ Monthly milestones: first $10K, $50K, $100K, $250K
└─ Retirement projection at 60 and 65
↓
STEP 7 — InVideo AI Produces Summary Video
└─ 90-second "your financial plan" video
└─ Shows the key numbers: savings found, debt timeline, wealth projection
└─ Perfect for sharing with a partner or reviewing monthly
↓
OUTPUT: Rate intelligence + money leak report + debt plan + investment roadmap + wealth projection + video
```
---
## 📥 Inputs
```json
{
"profile": {
"age": 31,
"country": "United States",
"annual_income_gross": 72000,
"monthly_take_home": 4800
},
"current_finances": {
"monthly_expenses": {
"rent": 1450,
"food": 420,
"transport": 340,
"subscriptions_known": 87,
"utilities": 120,
"other": 380
},
"savings": {
"checking_account": 2400,
"savings_account": 8500,
"current_savings_account_rate": "0.04%",
"401k_balance": 12000,
"employer_match": "3% dollar for dollar"
},
"debts": [
{ "type": "student_loan", "balance": 22000, "interest_rate": 5.8, "min_payment": 250 },
{ "type": "credit_card", "balance": 4200, "interest_rate": 22.9, "min_payment": 105 },
{ "type": "car_loan", "balance": 11500, "interest_rate": 6.4, "min_payment": 285 }
]
},
"goals": {
"primary": "pay off credit card + build $25,000 investment portfolio",
"timeline_years": 3,
"risk_tolerance": "moderate",
"retirement_target_age": 62
},
"production": {
"invideo_api_key": "YOUR_INVIDEO_API_KEY"
},
"apify_token": "YOUR_APIFY_TOKEN"
}
```
---
## 📤 Output Example
```json
{
"financial_snapshot": {
"monthly_take_home": "$4,800",
"total_monthly_expenses": "$2,797",
"current_monthly_surplus": "$2,003",
"current_savings_rate": "41.7%",
"verdict": "🟢 STRONG FOUNDATION — You have surplus. The question is optimizing where it goes.",
"immediate_wins_found": "$1,847/year in easy improvements"
},
"real_time_rate_intelligence": {
"your_current_savings_rate": "0.04% APY — earning $3.40/year on $8,500",
"best_hysa_available_today": [
{ "bank": "Marcus by Goldman Sachs", "apy": "5.10%", "monthly_on_8500": "$36.12" },
{ "bank": "SoFi", "apy": "4.96%", "monthly_on_8500": "$35.12", "bonus": "$300 welcome bonus" },
{ "bank": "Ally Bank", "apy": "4.75%", "monthly_on_8500": "$33.59", "note": "No minimum balance" }
],
"annual_gain_from_switching": "$429/year from moving $8,500 to Marcus",
"action": "Open Marcus HYSA this week — 5 minutes, zero fees"
},
"money_leak_report": {
"total_leaks_found": "$1,418/year",
"leaks": [
{
"leak": "Credit card interest — $22.9% APR",
"monthly_cost": "$80/month in interest",
"annual_cost": "$960",
"fix": "0% APR balance transfer card. Best offer today: Chase Slate Edge — 0% for 18 months, 3% transfer fee. Net saving: $960 - $126 fee = $834/year"
},
{
"leak": "Savings account rate 0.04%",
"annual_cost": "$425 in foregone interest",
"fix": "Move to Marcus HYSA — done in 5 minutes"
},
{
"leak": "Not claiming full 401k employer match",
"annual_cost": "$1,440 left on table",
"detail": "Employer matches 3% dollar-for-dollar. Your income = $72K. Contributing less than $2,160/year = leaving $2,160 free money unclaimed.",
"fix": "Increase 401k contribution to 3% minimum — non-negotiable, it's 100% instant return"
},
{
"leak": "Subscription audit recommendation",
"note": "You listed $87/month in known subscriptions. Average person has $219/month total. Run a bank statement audit — likely $50-100/month in forgotten subscriptions."
}
]
},
"debt_strategy": {
"total_debt": "$37,700",
"recommendation": "AVALANCHE METHOD — Credit card first (22.9% interest is financial emergency)",
"payoff_plan": [
{
"priority": 1,
"debt": "Credit Card — $4,200 at 22.9%",
"strategy": "Balance transfer to 0% APR card immediately. Then pay off in full within 18 months.",
"monthly_payment": "$250",
"payoff_date": "Month 17 (after transfer)",
"interest_saved": "$834"
},
{
"priority": 2,
"debt": "Car Loan — $11,500 at 6.4%",
"strategy": "Pay minimums only while investing (6.4% < expected market return of 7-9%)",
"monthly_payment": "$285 (minimum)",
"payoff_date": "Month 38 (on schedule)"
},
{
"priority": 3,
"debt": "Student Loan — $22,000 at 5.8%",
"strategy": "Pay minimums only — 5.8% is below market return. Invest the difference.",
"monthly_payment": "$250 (minimum)",
"payoff_date": "Month 97 (on schedule)"
}
],
"monthly_freed_after_credit_card_payoff": "$145 extra to redeploy to investments"
},
"investment_roadmap": {
"phase_1": {
"action": "Contribute exactly 3% to 401k to capture full employer match",
"monthly_contribution": "$180",
"employer_adds": "$180",
"total_monthly": "$360",
"annual_return_on_this_step": "100% (free money)"
},
"phase_2": {
"action": "Open Roth IRA — max out $583/month ($7,000/year)",
"platform": "Fidelity (zero fees, zero minimum, excellent ETF options)",
"investment": "80% FSKAX (total US market) + 20% FTIHX (international)",
"why_roth_not_traditional": "At $72K income, Roth is better — pay taxes now, never pay on growth"
},
"phase_3": {
"action": "After Roth maxed — taxable brokerage with remaining surplus",
"platform": "Fidelity or Vanguard",
"monthly_available": "$1,073 (after expenses + debt minimums + 401k + Roth)"
},
"recommended_etfs": [
{ "ticker": "FSKAX", "name": "Fidelity Total Market Index", "expense_ratio": "0.015%", "allocation": "60%" },
{ "ticker": "FTIHX", "name": "Fidelity Total International", "expense_ratio": "0.06%", "allocation": "30%" },
{ "ticker": "FXNAX", "name": "Fidelity Bond Index", "expense_ratio": "0.025%", "allocation": "10%" }
]
},
"10_year_projection": {
"monthly_investment_total": "$1,433 (401k + Roth + brokerage)",
"milestones": {
"first_10k": "Month 7",
"first_50k": "Month 33",
"first_100k": "Month 57",
"first_250k": "Month 96"
},
"10_year_portfolio_conservative_5pct": "$221,000",
"10_year_portfolio_base_7pct": "$250,000",
"10_year_portfolio_optimistic_9pct": "$283,000",
"retirement_at_62": {
"years_investing": 31,
"projected_portfolio_7pct": "$2,140,000",
"monthly_withdrawal_4pct_rule": "$7,133/month"
}
},
"action_plan_this_week": [
{ "day": 1, "action": "Open Marcus HYSA — transfer $8,500 from current savings. 5 minutes.", "impact": "+$429/year" },
{ "day": 2, "action": "Apply for Chase Slate Edge balance transfer. Transfer $4,200 credit card balance.", "impact": "+$834/year" },
{ "day": 3, "action": "Log into 401k. Increase contribution to exactly 3% to capture full match.", "impact": "+$2,160/year free money" },
{ "day": 4, "action": "Open Fidelity account. Set up $583/month automatic Roth IRA contribution.", "impact": "Tax-free wealth building starts" },
{ "day": 5, "action": "Audit last 3 months of bank statements. Cancel any subscriptions you forgot about.", "impact": "+$50-100/month estimated" }
],
"summary_video": {
"script": "Here's your financial situation in 90 seconds.\n\nYou're earning $4,800 a month and spending $2,797. That's a $2,003 monthly surplus — you're doing better than 78% of Americans.\n\nBut you're leaving $4,423 a year on the table.\n\nYour savings account earns 0.04%. Move it to Marcus — instantly earn 5.1%. That's $429 back per year.\n\nYour credit card at 22.9% — that's $960 a year in interest. Balance transfer to 0% for 18 months. Save $834.\n\nAnd your employer is offering to match your 401k contribution dollar for dollar up to 3%. You're not claiming it. That's $2,160 in free money every year.\n\nFix those three things this week. That's $3,423 per year found in 15 minutes of admin.\n\nThen invest $1,433 per month consistently. In 10 years, you'll have $250,000. At 62, you'll retire with $2.1 million and $7,100 a month.\n\nThat's your plan. Start Monday.",
"duration": "90s",
"status": "produced",
"file": "outputs/personal_finance_plan_summary.mp4"
}
}
```
---
## 🧠 Claude AI Master Prompt
```
You are a world-class personal finance advisor. You give specific, actionable advice — not generic tips.
REAL-TIME RATE DATA: {{hysa_rates_credit_cards_brokerages_insurance}}
PERSONAL FINANCE DATA: {{reddit_community_recommendations}}
USER PROFILE:
- Age: {{age}}
- Country: {{country}}
- Monthly take-home: ${{take_home}}
- Monthly expenses: {{expenses}}
- Savings: {{savings}}
- Debts: {{debts}}
- Goals: {{goals}}
- Risk tolerance: {{risk}}
GENERATE COMPLETE PERSONAL FINANCE PLAN:
1. Financial snapshot:
- Monthly surplus calculation
- Current savings rate %
- Overall verdict (one honest sentence)
- Total easy wins found ($ annual)
2. Real-time rate intelligence:
- Best 3 HYSA rates available TODAY with APY + monthly earnings on their balance
- Annual gain from switching (specific $ amount)
- Best credit card for their spending pattern
- Best brokerage for their investment amount
3. Money leak report:
- Every specific leak identified with $ annual cost
- Specific fix for each leak (product + steps)
- Total annual recovery if all fixed
4. Debt strategy:
- Recommendation: avalanche vs snowball (with rationale)
- Priority order with exact monthly payment + payoff date per debt
- Total interest saved from optimal strategy
5. Investment roadmap (in priority order):
- Step 1: employer match (if applicable) — always first
- Step 2: Roth IRA vs Traditional (based on their income + country)
- Step 3: taxable brokerage
- Specific ETF recommendations with ticker + expense ratio + allocation %
- Monthly contribution amount per account
6. 10-year wealth projection:
- Monthly investment total
- Portfolio milestones: $10K, $50K, $100K, $250K (with month number)
- 10-year projection: conservative (5%) / base (7%) / optimistic (9%)
- Retirement projection at target age
7. Action plan — this week (5 specific actions):
- Each action: specific product/account name + steps + $ impact
- Maximum 10 minutes of admin per action
8. 90-second summary video script:
- Lead with their specific numbers (not generic)
- Three biggest wins found
- End with 10-year projection + retirement number
RULES:
- Always use their specific numbers — never generic percentages
- Rate data must be current (from scraped data, not memory)
- Every recommendation must have a specific product name (not "a high-yield savings account" but "Marcus by Goldman Sachs")
- Retirement projection must use their actual age + target retirement age
- Never give advice that requires professional licensing (no specific stock picks, no tax advice beyond general)
DISCLAIMER: This is educational information, not licensed financial advice. Users should consult a qualified financial advisor for their specific situation.
OUTPUT: Valid JSON only. No markdown. No preamble.
```
---
## 💰 Cost Estimate
| Run | Apify Cost | InVideo Cost | Total | Value Generated |
|---|---|---|---|---|
| Complete wealth plan | ~$0.50 | ~$3 | ~$3.50 | $1,000-$5,000+ in savings found |
| Annual refresh | ~$0.50 | ~$3 | ~$3.50 | Stay optimized year-round |
| Family plan (3 profiles) | ~$1.50 | ~$9 | ~$10.50 | Full household optimization |
> 💡 **Start free on [Apify](https://www.apify.com?fpr=dx06p) — $5 credits included**
> 🎬 **Produce your wealth plan video with [InVideo AI](https://invideo.sjv.io/TBB)**
---
## 🔗 Revenue Opportunities
| User | How They Use It | Value |
|---|---|---|
| **Individual** | Find hidden savings + build wealth plan | $1K–$5K/year found |
| **Finance Content Creator** | Run live audience finance audits | Viral content + revenue |
| **Financial Coach** | Automate client onboarding plans | 10x clients served |
| **HR / Benefits Team** | Employee financial wellness program | Retention tool |
| **Bank / Fintech** | Lead generation + client value add | New account acquisition |
---
## 📊 Why This Beats Every Alternative
| Feature | Mint (Free) | Financial Advisor ($200/hr) | **AI Personal Finance Advisor** |
|---|---|---|---|
| Real-time best rate search | ❌ | ❌ | ✅ |
| Hidden money leak detection | Partial | ✅ | ✅ |
| Personalized debt strategy | ❌ | ✅ | ✅ |
| Specific ETF recommendations | ❌ | ✅ | ✅ |
| 10-year wealth projection | Partial | ✅ | ✅ |
| Summary video produced | ❌ | ❌ | ✅ |
| This week action plan | ❌ | ✅ | ✅ |
| Cost | Free (no personalization) | $200-500/hour | ~$3.50 |
---
## 🚀 Setup in 3 Steps
**Step 1 — Get your [Apify](https://www.apify.com?fpr=dx06p) API Token**
Go to: **Settings → Integrations → API Token**
**Step 2 — Get your [InVideo AI](https://invideo.sjv.io/TBB) account**
Go to: **Settings → API → Copy your key**
**Step 3 — Input your financial profile & run**
Income + expenses + debts + goals. Complete wealth plan in 10 minutes.
---
## ⚡ Pro Tips
- **Employer match = 100% instant return** — always the first move, no exception
- **0.04% savings rate is a $429/year mistake** — one 5-minute account opening fixes it forever
- **Balance transfer cards save $800+/year** — the 3% fee pays back in 6 weeks
- **Automate investments** — removing the decision removes the emotion = 3x better outcomes
- **Share the summary video with your partner** — financial alignment is the #1 wealth accelerator
> ⚠️ **Disclaimer:** This skill provides educational financial information, not licensed financial advice. Always consult a qualified financial advisor for decisions specific to your situation.
---
*Powered by [Apify](https://www.apify.com?fpr=dx06p) + [InVideo AI](https://invideo.sjv.io/TBB) + Claude AI*
don't have the plugin yet? install it then click "run inline in claude" again.