Know the Math wax sealKNOW THE MATH
The Hayes TeamIn partnership with David Monsour
CO-BRANDED DESIGN PREVIEW • NOT YET APPROVED BY THE HAYES TEAM
A smarter way to prepare for your next move

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 My Goal →See How It Works ▷

◎ Set Your Goal

Choose a goal, amount and timeline. Then let's find the money.

Goal type
Monthly target$1,667
Weekly target$385

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

☕ Starbucks54 visits • $342 in 90 days
🚗 DoorDash23 orders • $875 in 90 days
🚴 Peloton$44/month recurring
“Your subscriptions shouldn't have a more consistent routine than you do.”

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.

2. Choose your tone

The only thing we make fun of is questionable spending, never the person.

🔥 Brutally Honest Money RoastFunny, direct observations about real spending.
💬 Friendly Financial CoachSame math, gentler delivery.

We won't invent visits, claim you don't use a subscription, or double-count charges.

Continue to Your Prompt ↓
Your money. Your choice.

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.
Important: This website does not accept, store or transmit bank statements. You copy a prompt and, if you choose, supply spending data directly in ChatGPT. ChatGPT may make errors and has its own data practices. Don't share a chat link containing financial records. You can skip uploads entirely and enter figures manually. This is educational budgeting assistance, not financial or lending advice.

ChatGPT Data Controls · Temporary Chat details

Your customized prompt

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.



Open ChatGPT ↗




A powerful partnership to help you get home sooner.
David Monsour headshot
David MonsourMortgage Loan OfficerDavidMonsour.com
The three members of The Hayes Team
Christie Hayes & The Hayes TeamKeller Williams Realty Atlanta PartnersDirect: 678-871-0156Office: 770-252-2266christieh@kw.comchayeshomes.com