80+ ChatGPT Prompts for Finance: Analysis, Reports & Modeling (2026)

Finance professionals deal with complex analysis, detailed reporting, and time-consuming modeling tasks daily. ChatGPT can accelerate these workflows by generating Excel formulas, writing financial reports, building model templates, explaining complex concepts, and preparing presentation materials.

These prompts are organized by finance function — from budgeting and forecasting to investment analysis and regulatory compliance.

Important Disclaimer

ChatGPT is a productivity tool for finance work, not a financial advisor. Always verify calculations, check data accuracy, and consult qualified professionals for investment decisions, tax advice, and regulatory compliance. Never input confidential financial data into public AI tools.

Financial Analysis Prompts

Ratio Analysis

Calculate and interpret these financial ratios from the following data:
Revenue: [amount], COGS: [amount], Net Income: [amount]
Total Assets: [amount], Total Liabilities: [amount], Equity: [amount]
Current Assets: [amount], Current Liabilities: [amount]
Inventory: [amount], Accounts Receivable: [amount]

Calculate:
1. Liquidity ratios (current, quick, cash)
2. Profitability ratios (gross margin, net margin, ROA, ROE)
3. Leverage ratios (debt-to-equity, interest coverage)
4. Efficiency ratios (asset turnover, inventory turnover, DSO)

For each ratio: show the formula, calculate the result, benchmark against [industry] averages, and flag any concerns.

Write a financial health analysis for a company with these metrics:
[paste key financials for 3 years]
Structure as:
1. Trend analysis (year-over-year changes)
2. Strengths (strong ratios and positive trends)
3. Concerns (deteriorating metrics)
4. Peer comparison (vs. industry benchmarks)
5. Overall assessment and recommendations
Write for a board presentation audience.

Variance Analysis

Prepare a budget vs. actual variance analysis report for [department/project] for [period]:
Budget: [line items and amounts]
Actual: [line items and amounts]

For each line item:
- Calculate dollar and percentage variance
- Classify as favorable or unfavorable
- Provide brief explanation of significant variances (>5%)
- Suggest corrective actions for unfavorable variances
Format as a table with a narrative summary.

DCF and Valuation

Walk me through building a DCF model for a company with these characteristics:
- Revenue: [amount], growing at [rate]
- EBITDA margin: [percentage]
- Capex as % of revenue: [percentage]
- Tax rate: [percentage]
- WACC: [percentage]
- Terminal growth rate: [percentage]

Provide:
1. 5-year projection assumptions
2. Free cash flow calculation for each year
3. Terminal value calculation (Gordon Growth and Exit Multiple methods)
4. Enterprise value calculation
5. Equity value per share
6. Sensitivity table (WACC vs. terminal growth rate)
Show all formulas and explain each step.

Budgeting and Forecasting

Create a monthly budget template for a [business type] with [number] employees. Include:
- Revenue streams: [list sources]
- Fixed costs: [list categories]
- Variable costs: [list categories]
- One-time expenses: [anticipated items]
- Capital expenditures: [planned investments]
Include formulas for:
- Monthly and YTD totals
- Budget vs. actual tracking columns
- Variance calculations ($ and %)
- Full-year forecast based on YTD actuals

Build a revenue forecast model for a [SaaS / e-commerce / service] business:
Current metrics:
- MRR/Revenue: [amount]
- Growth rate: [percentage]
- Churn rate: [percentage]
- Average deal size: [amount]
- Sales cycle: [days]
- Pipeline: [amount]

Create:
1. Bottom-up forecast (pipeline × conversion rates)
2. Top-down forecast (market size × share)
3. Trend-based forecast (historical extrapolation)
4. Reconcile the three approaches
5. Present as base, optimistic, and conservative scenarios

Create a cash flow forecast for the next 12 months. Inputs:
- Starting cash: [amount]
- Monthly revenue: [amount and growth trend]
- Monthly expenses: [breakdown]
- Seasonal patterns: [describe]
- Upcoming large payments: [list with dates]
- Expected receivables timing: [average DSO]

Output:
- Monthly cash flow projection
- Cumulative cash position
- Months where cash falls below [threshold]
- Recommendations for managing cash gaps

Financial Reporting

Write a quarterly financial report for [stakeholder: board / investors / management]. Include:
Period: [quarter]
Key financials:
[paste income statement, balance sheet, and cash flow highlights]

Structure:
1. Executive summary (3-4 sentences on overall performance)
2. Revenue analysis (growth, mix, top products/segments)
3. Profitability (margins, cost management)
4. Cash flow and liquidity
5. Key metrics and KPIs vs. targets
6. Forward outlook and guidance
7. Risks and opportunities

Use professional financial writing. Include comparisons to prior period, prior year, and budget.

Write management commentary for an annual report section covering [topic: revenue performance / cost management / capital allocation / market position]. Based on:
[paste relevant data points]
Requirements:
- 300-500 words
- Forward-looking statements clearly identified
- Honest about challenges while maintaining confidence
- Specific numbers and percentages, not vague language
- Aligned with [industry] reporting norms

Presentation Materials

Create a financial presentation deck outline for [audience: board meeting / investor pitch / budget review]. Key data:
[list key metrics and findings]

Structure:
- Slide 1: Key takeaways (3 bullet points)
- Slide 2-3: Revenue performance (charts suggested)
- Slide 4: Profitability waterfall
- Slide 5: Cash flow summary
- Slide 6: Forward guidance
- Slide 7: Strategic initiatives and financial impact
- Slide 8: Q&A / Appendix

For each slide: provide the title, key message, and talking points.

Excel and Modeling

Write Excel formulas for a financial model that calculates:
1. Weighted Average Cost of Capital (WACC) with input cells for each component
2. Net Present Value of cash flows in cells [range]
3. Internal Rate of Return for the same cash flows
4. Payback period (both simple and discounted)
5. Break-even analysis (units and revenue)
Include error handling (IFERROR) and input validation (DATA VALIDATION) for each formula.

Create a 3-statement financial model structure in Excel:
- Income Statement (revenue through net income)
- Balance Sheet (assets, liabilities, equity)
- Cash Flow Statement (operating, investing, financing)
Show how the three statements link together. Include:
- Key assumptions section
- Revenue build-up schedule
- Depreciation schedule
- Debt schedule
- Working capital calculations
List all formulas and cell references.

Write VBA macro for Excel that:
- Consolidates monthly financial data from 12 worksheets into a summary
- Creates a YTD column with running totals
- Highlights variances greater than [threshold]%
- Generates charts for key metrics
- Formats the output with professional styling
Include error handling and comments explaining each section.

Tax and Compliance

Create a checklist for [annual tax preparation / audit preparation / financial close] for a [company type]. Include:
- All required documents and their sources
- Key deadlines with calendar dates
- Responsible parties for each item
- Status tracking columns
- Common issues to watch for
- Quality review steps
Format as an actionable task list with dependencies.

Explain the accounting treatment for [specific transaction type: lease / stock compensation / revenue recognition / business combination] under [GAAP / IFRS]. Include:
1. Applicable standard and key requirements
2. Journal entries with accounts and amounts
3. Balance sheet and income statement impact
4. Disclosure requirements
5. Common implementation challenges
6. Example calculation with sample numbers

Investment Research

Create a framework for analyzing [company/stock] as a potential investment. Structure:
1. Business overview (what they do, market position)
2. Financial analysis (5 key metrics and their trends)
3. Competitive moat assessment (Porter's Five Forces)
4. Growth catalysts and drivers
5. Risk factors
6. Valuation assessment (relative and absolute)
7. Investment thesis summary (bull case, bear case, base case)
I'll fill in the data — create the structure and analytical framework.

Write a sector analysis report outline for [industry/sector]. Include:
1. Market size and growth projections
2. Key trends driving the sector
3. Major players and market share
4. Regulatory environment
5. Technology disruption risks
6. Investment themes and opportunities
7. Risk factors specific to this sector
8. Recommended metrics for sector comparison

Personal Finance (Client Communication)

Write client-friendly explanations for these financial concepts:
1. [Concept 1, e.g., compound interest]
2. [Concept 2, e.g., dollar cost averaging]
3. [Concept 3, e.g., asset allocation]
Each explanation should:
- Use everyday analogies
- Include a simple numerical example
- Be under 100 words
- Avoid jargon or define it when necessary
Target audience: [client profile]

FAQ

Can ChatGPT perform accurate financial calculations?

ChatGPT can set up formulas and explain calculation methods accurately, but may make arithmetic errors on complex calculations. Always verify numerical outputs independently, especially for financial decisions. Use it for formula creation and methodology, then run actual numbers in Excel or financial software.

Should I input real financial data into ChatGPT?

Never input confidential financial data (client information, non-public company data, trading strategies) into public ChatGPT. Use sanitized examples or fictional numbers for prompt development. Enterprise AI solutions with data privacy guarantees are appropriate for working with real data.

Can ChatGPT replace financial analysts?

No. ChatGPT accelerates research, drafting, and routine analysis but cannot replace professional judgment, real-time market interpretation, client relationship management, or regulatory accountability. It makes analysts more productive, not obsolete.

How reliable is ChatGPT for tax advice?

ChatGPT provides general educational information about tax concepts but should never be relied upon for specific tax advice. Tax laws change frequently and vary by jurisdiction. Always consult a qualified tax professional for compliance-critical decisions.

Can ChatGPT build complete financial models?

ChatGPT can design model structures, write formulas, and explain methodology. However, building a production-quality financial model requires domain expertise for assumptions, iterative testing, and validation that ChatGPT cannot perform independently. Use it as an accelerator in the modeling process.

Conclusion

These prompts cover the core finance workflows where ChatGPT adds the most value: analysis frameworks, report drafting, model structure, and communication. Start with the prompts matching your most repetitive tasks — usually financial reporting and variance analysis.

Remember that finance is a precision discipline where errors have real consequences. Use ChatGPT for speed and structure, but always verify outputs through professional review and independent calculation.