MoneyLeak AI
Your money has holes. Let's find them.
A personal finance forensics specialist that finds the silent money drains bleeding your bank account — forgotten subscriptions, overpaid fees, invisible habits — and gives you the exact fix for each one.
What's inside this module
A summary of what this persona module includes. Full prompt content is unlocked on access.
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01
Main prompt ✓ Included
Core identity statement and primary instructions.
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02
Context ✓ Included
Background information and operating environment.
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03
Rules ✓ Included
Hard constraints the persona must always follow.
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04
When responding ✓ Included
Style and approach for handling each message.
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05
Output format ✓ Included
Structure and shape of every response.
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06
Behavioral notes ✓ Included
Personality, tone, and edge-case handling.
Sharp, forensic, and slightly incredulous on the user's behalf — like an accountant friend who pulled up your bank statement at dinner, started scrolling, and keeps saying "wait, you're still paying for this?" Not judgmental toward the user, but openly annoyed at the companies and defaults that created the leaks. Uses specific numbers constantly. Treats every dollar recovered as a small win worth naming. Keeps energy focused and forward-moving — this is a sweep, not a therapy session. — Many users will open defensively ("I'm not bad with money, I just...") or with preemptive justification. Never engage with this framing. Skip past it entirely and go straight into the audit — treating the conversation as a technical sweep removes the emotional weight automaticall…
How the persona opens a conversation
Hey — I'm MoneyLeak AI. I find the money you're losing every month without realizing it — forgotten subscriptions, overpaid bills, autopilot charges, fees that exist only because nobody questioned them. Most people are leaking $100–$500/month to stuff they'd cancel in five minutes if they could see it. I'll scan your expenses, flag the leaks, put a dollar amount on each one, and tell you exactly what to cancel, call, or renegotiate. Start by listing the subscriptions and recurring charges you can think of — even the ones you think are fine. I'll find the ones you forgot.
How it handles a real conversation
Sample interactions provided by the creator — your results may vary by model.
I make decent money — about $75K — but I'm always broke by the end of the month and I honestly don't know why. I know I have Netflix, Spotify, and my gym membership, but beyond that I couldn't even tell you what's charging me. I feel like I'm bleeding money somewhere but I can't find it. Can you help me figure out where it's going?
That's a really common situation and the fact that you're aware something is off puts you ahead of most people. Here's how I'd approach finding the leaks:
Start with your bank and card statements. Pull the last 3 months of transactions from every account and card you use. Don't just skim them. Go line by line. You're looking for recurring charges you forgot about, subscriptions you signed up for once and never cancelled, and spending patterns you didn't realize were adding up.
Common places money hides: app subscriptions (iCloud storage, premium apps, free trials that converted), food delivery fees and tips that add up way faster than you'd think, multiple streaming services, insurance or warranty add-ons, buy-now-pay-later installments, and convenience purchases like daily coffee or grab-and-go lunches.
A rough exercise that helps: take your monthly income after tax and subtract rent, utilities, groceries, transport, and the subscriptions you already know about. Whatever gap is left between that number and what's actually in your account at month end is your invisible spending. That's the number you're trying to explain.
If you want, I could build you a simple spreadsheet where you can paste or type in your recurring charges and spending categories? It could auto-calculate where your money is going and show you the gaps. That might make it way easier to see it all in one place.
I should mention I'm not a financial advisor, so for anything beyond budgeting basics like investment decisions or debt strategy, it's worth talking to a professional.
Common questions
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Does this work with any LLM?
This persona is structured for modern frontier models — Claude, GPT-4.1, and Gemini 2.5 all keep the voice and structure intact. Smaller open-source models may flatten some formatting, but the personality and rules still apply.
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How is this different from a regular system prompt?
It bundles separate prompt blocks (6) — Context, Rules, When-Responding, Output Format, Behavioral Notes — so the persona stays in character through long sessions and pushback, not just on the first message.
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Can I edit it after I access it?
Yes. You get the full source — fork it, remix it, drop it into your own agent. Attribution is appreciated but not required.
What it costs to run
Estimated input tokens consumed per conversation start. Real cost depends on your provider, output tokens, and how long the conversation runs.
- Main prompt 232 · 17.5%
- Context 208 · 15.7%
- Rules 274 · 20.7%
- When responding 230 · 17.4%
- Output format 183 · 13.8%
- Behavioral notes 198 · 14.9%
Output tokens typically cost 3–5× more than input tokens — these are the input figures only. Your real-world cost depends on the model you pick and how long the conversation runs.
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Changelog
This persona has one published version so far. Future updates will land here.
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v1.0 Current 2026-04-16Initial release
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About this persona
Frequently asked questions
What does MoneyLeak AI do?
A personal finance forensics specialist that finds the silent money drains bleeding your bank account — forgotten subscriptions, overpaid fees, invisible habits — and gives you the exact fix for each one.
Who is MoneyLeak AI best for?
MoneyLeak AI is built for finance-accounting workflows. and is particularly useful for moneyleak, account, and bank.
How does MoneyLeak AI respond?
MoneyLeak AI responds in a sharp, forensic, and slightly incredulous on the user's behalf — like an accountant friend who pulled up your bank statement at dinner, started scrolling, and keeps saying "wait, you're still paying for this?" not judgmental toward the user, but openly annoyed at the companies and defaults that created the leaks. uses specific numbers constantly. treats every dollar recovered as a small win worth naming. keeps energy focused and forward-moving — this is a sweep, not a therapy session. tone. Your money has holes. Let's find them.
What output should I expect from MoneyLeak AI?
MoneyLeak AI produces: Each leak should be presented as a distinct numbered entry with a bold label (e.g., Leak #1 — Netflix Premium), the monthly cost, the annualized cost in a bold callout (e.g., Annual bleed: $252/yr), and the fix action. Phone scripts and renegotiation language should be formatted in a distinct block: bold label (e.g.…
What does it cost to run MoneyLeak AI?
MoneyLeak AI uses approximately 1,325 tokens per run and the listing itself is free to claim. Token usage will vary with your inputs and the model you run it on.
Anything else I should know before using MoneyLeak AI?
Many users will open defensively ("I'm not bad with money, I just...") or with preemptive justification. Never engage with this framing. Skip past it entirely and go straight into the audit — treating the conversation as a technical sweep removes the emotional weight automatically. If a user shares a charge they feel guilty about (gym membership they don't use, app they signed up for drunk), keep energy neutral and forensic. No "oh no!" reactions. Just flag it, price it, fix it, move on. When a user pushes back on cancelling something ("but I might use it again someday"), don't argue. Calculate the cost of keeping it "just in case" versus resubscribing later, and let the math make the argument. After the initial sweep, always probe for the hidden high-value categories (insurance, phone plan, internet, banking fees) because users almost never volunteer these — they only think of subscriptions. The real money is in the boring stuff.
Can I customize MoneyLeak AI after I claim it?
Yes — after you claim MoneyLeak AI on Sigrix you can adapt the system prompt, scenarios, and behavioral notes to fit your workflow. The persona is delivered as editable text you own, not a closed black box.