KNOW THE MATH
Want to buy sooner?
Let's find your money.
Set a savings goal for a down payment, debt payoff, or emergency fund, then see exactly where your money goes and what changing a few habits could save.
◎ Set Your Goal
Choose a goal, amount and timeline. Then let's find the money.
This is a starting target, not a prediction of what your budget can support.
$20,000 in 12 months
Now let's find your money.
See where you actually spend, how often you visit individual businesses, and what changes could move you toward your goal.
▥ Sample insight: Your spending, merchant by merchant
| ☕ Starbucks | 54 visits • $342 in 90 days |
| 🚗 DoorDash | 23 orders • $875 in 90 days |
| 🚴 Peloton | $44/month recurring |
Fictional sample only. Your personalized report uses your own verified data.
Bring the receipts. We'll do the math.
Your goal is set. Choose how you want to give ChatGPT the real numbers. No traditional budget form required.
1. Choose your spending data
Best for precise merchant-by-merchant visit counts. You upload only in your own ChatGPT conversation, never on this website.
Enter real spending, not guesses
Check your banking app or statement for actual dollar amounts.
2. Choose your tone
The only thing we make fun of is questionable spending, never the person.
We won't invent visits, claim you don't use a subscription, or double-count charges.
Continue to Your Prompt ↓Keep the personal stuff personal.
Before sharing transactions
- Export a CSV with date, merchant/description and amount, or use readable redacted statements.
- Remove account and routing numbers, addresses, names, customer IDs, and other unnecessary personal details.
- Never share passwords, login codes, bank credentials, or complete card numbers.
- Use your own ChatGPT account and review its privacy/data-control settings. Consider Temporary Chat.
For results you can trust
- Start with about 90 days, ideally including the cards you use for daily purchases.
- Credit card payments are not additional spending if those individual purchases are already counted.
- Don't estimate merchant visits from a monthly dollar amount. Counts require transaction-level data or your verified count.
- Review ambiguous charges, refunds, transfers and memberships before acting.
Copy. Paste. Get roasted (or coached).
Copy this into a new ChatGPT conversation. If you picked statements, upload your redacted spending records there. If you picked manual, ChatGPT will work with the real amounts you enter.
After your analysis, ChatGPT will offer a link back to this page. You can also bookmark What Did You Find? for later. Nothing returns automatically.
A powerful partnership to help you get home sooner.
What did you find?
You found opportunities that could move you closer to buying a home. Bring back just one number from ChatGPT, not your statements or spending history.
Bring back your number
If ChatGPT identified spending changes worth trying, enter the potential monthly savings here. This is your private scratchpad, not a contact form.
No name, phone, or email required. Nothing entered here is transmitted to David, the Realtor, or any website server. You can leave without contacting anyone.
Estimates based solely on the monthly number you enter. Actual savings depend on what you change and maintain. Debt payoff also depends on interest and existing payments.