🤖 5 AI prompts to improve your finances in the UAE
- Kacper Duda
- Jul 9
- 5 min read
AI has been the buzzword of the last couple of years, ever since ChatGPT burst into the public spotlight. We opened our doors and welcomed it into our everyday lives.
Many now use it to ask everyday questions, do research, even get (sometimes dubious!) medical advice. But have you considered using it to manage your money?
Read on to learn:
How AI can be your personal finance assistant
5 AI prompts to sort out your UAE finances
In the news: Dubai launches first-time buyer scheme - how can it benefit you?
AI as your personal finance assistant
Your favourite AI chat (whether ChatGPT, Claude or Gemini) has absorbed a wealth of financial habits knowledge from across the internet. It's also great at spotting patterns and drawing insights from data.
Put those two strengths together, and you’ve got yourself a free personal finance assistant. Upload your budgets, bank or credit card statements, or even official documents, and let it work through them with you.
Below, we’ve picked 5 AI prompts to help you take charge of your UAE finances. From helping you understand your spending, creating savings plans or decoding confusing bank T&Cs, these will get you moving in the right direction.
Just copy and paste them into your favourite AI chat, add your details, upload any files and off you go.
5 AI prompts to sort out your UAE finances
1. Personal finance coach in your pocket
Use AI to analyse your real spending habits, not just generic advice. Upload your UAE bank or credit card statements and get a clear view of where your money’s going, what you’re wasting, and how to tighten things up.
You are my UAE-based personal finance coach. I’ll upload 3 months of my bank and credit card statements. Do the following:
- Analyse my spending patterns and categorise where my money goes.
- Highlight any areas of overspending or inefficiency.
- Suggest 3 practical ways I can reduce costs and save more monthly — based on my habits and lifestyle.
[Upload your latest bank or credit card statements in PDF, CSV, or text format.]💡 Want to take it a step further? Use our free Money Luna UAE budgeting tool to put those insights into action
2. Your weekly UAE money routine
No more falling behind on bills or forgetting to check your statements. This prompt creates a simple weekly checklist (tailored to UAE life) to help you stay on top of your finances without stress.
Act as a financial habits expert. I live in the UAE and want a weekly money routine to stay on top of my finances. Please create a checklist with recurring weekly tasks covering (make it realistic and easy to stick to):
– Paying bills
– Reviewing credit card spend
– Topping up savings
– Budget tracking
– Any UAE-specific admin (like salary-linked account checks or rent transfers).3. Build my smart savings plan
Whether you're building an emergency fund or saving for something big, this prompt helps you work out exactly how much to save each month — and how to balance competing goals over time.
You are a savings strategist. Help me build a monthly savings plan for two goals:
- An emergency fund that covers [X] months of expenses
- A longer-term goal of saving AED [amount] by [target date]
My key inputs are:
- Here’s my current monthly spend: [amount]
- Here’s how much I’ve already saved: [amount]
- Here's my monthly AED income: [amount]
Please calculate how much I need to save each month, and suggest how to balance the two goals over time.
[Fill in your monthly spend, target amounts, and existing savings before running the prompt.]4. Decode this bank PDF
Confused by fine print? Let AI translate your bank documents into plain English - highlighting the key terms, hidden fees, and anything you might want to question before signing.
You are a financial translator. I’ve uploaded a PDF from my UAE bank — please:
- Summarise the key terms in plain English
- Flag any fees, risks, lock-in periods, or jargon I should be aware of
- Tell me if there’s anything unusual or worth questioning before I sign
[Upload the PDF file you want help with. Works well for product brochures, T&Cs, or fee disclosures.]5. UAE-specific money challenges
Sometimes small shifts make the biggest difference. This prompt gives you three simple challenges tailored to your habits: whether it’s saving more, spending better, or just building smarter routines in the UAE.
Act as a behavioural finance coach. Based on my habits, suggest 3 simple but effective money challenges I can try this month.
- Here’s what I struggle with: [e.g. impulse spending, inconsistent saving, ignoring statements]
- Here’s what I want to work on: [e.g. build better habits, reduce card debt, save AED 1,000 this month]
- Tailor the challenges to life in the UAE — think local context, cultural habits, and cost of living
[Fill in your personal goals or struggles before running the prompt.]Words of caution...
Security - While AI tools are generally secure, they still rely on cloud technology. It’s always best to remove sensitive data such as account or credit card numbers before uploading any documents.
Reliability - These tools are still evolving and don’t always get things right. Treat their answers with caution and double-check any important details against your original documents.
Accuracy - Make sure the information you’re given is actually relevant to the UAE. AI often defaults to global data, so it’s worth asking it to confirm whether something is locally applicable.
Timeliness - Most AI tools don’t have real-time internet access, so the information they give you might be a little out of date. A quick fact-check can go a long way.
AI isn’t a golden source of truth but it is a great coach. Use it for ideas, structure, and accountability. With the right prompts, it can help you build smarter habits and make better money choices
IN THE NEWS - Dubai launches first-time buyer scheme: how can it benefit you?
Last week, Dubai announced a new initiative aimed at helping first-time buyers get on the property ladder.
The Dubai Land Department (DLD) partnered with several developers and finance providers to offer preferential property prices, better financing rates, and early access to new project launches.
The scheme applies to properties valued up to AED 5 million and is open to all nationals and residents who don’t already own a property in the emirate. Want to dig deeper? This article in The National is good place to start!
Disclaimer: Please bear in mind that this email does not constitute financial advice. Any choices you make you are solely responsible for. We always aim to provide highest quality, independent views but do your own research to ensure you’re comfortable with any changes you make to your personal finances.
