The USDA number for my exact household is $895 a month. I had ChatGPT sort three months of receipts against it, and the gap was not where I expected.
Three months of statements misses annual renewals. Here is the 13-month audit I ran through Claude, and the seven recurring charges it pulled out.
I ran one 2026 pay stub and my W-4 through Claude. It found a stale dependent credit and a $2,910 shortfall, with eight paychecks left to fix it.
A copy-paste prompt that pulls every overdraft, NSF, ATM and maintenance fee out of 12 months of statements, plus the 3 fees it will never find.
The ChatGPT debt payoff prompt, run on LendingTree's $102,981 scenario. GPT's interest math matched my Python check to the cent, and the gap was $17.76.