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WealthCheck Financial Planner

Financeby Layer 3 Labs
Open in ChatGPTWebsite

Get a complete snapshot of your financial health in seconds. WealthCheck analyzes your income, expenses, savings, and debt to calculate your net worth, savings rate, and monthly spending — then gives you a personalized action plan to improve. Whether you're budgeting for the first time or optimizing an existing plan, see exactly where your money goes and what to do next.

1ChatGPT Tools
Layer 3 LabsDeveloper
FinanceCategory

Available Tools

My-budget

my-budget
Full Description

Use this tool to create and manage a personal budget. ALWAYS try to infer and pass a 'preset' parameter based on the user's age, life stage, or demographic (gen_z for 18-28/students, millennial for 29-43/professionals, family for 30-55 with kids/married, retiree for 60+/retired). Pass 'has_crypto' or 'has_stocks' if mentioned. Pass 'budget_description' with the user's full message. Pass any specific numbers the user provides (monthly_income, liquid_assets, etc.). If the user gives no details at all, call with NO arguments.

Parameters (0 required, 58 optional)
Optional
annual_incomenumber

Annual salary/income before tax. Use when user says 'I make $X' or 'salary of $X' without specifying monthly. Converted to monthly by dividing by 12.

balance_401knumber

401k balance.

balance_403bnumber

403b balance.

budget_descriptionstring

The user's full original message for context parsing.

budget_namestring

Name for the budget (e.g., 'Monthly Budget', 'Household Budget').

business_equitynumber

Business ownership equity value.

car_insurancenumber

Monthly car insurance.

car_loannumber

Auto/car loan balance.

car_paymentnumber

Monthly car/auto loan payment.

car_valuenumber

Car/vehicle market value.

checking_balancenumber

Checking account balance.

childcarenumber

Monthly childcare/daycare cost.

credit_card_debtnumber

Credit card debt balance.

crypto_balancenumber

Total cryptocurrency holdings value in dollars.

crypto_tickersstring

Comma-separated CoinGecko IDs of crypto held, e.g. 'bitcoin,ethereum,solana'. Use lowercase.

dining_outnumber

Monthly dining out / restaurants.

emergency_fundnumber

Emergency fund balance.

groceriesnumber

Monthly groceries spending.

has_cryptoboolean

True if user mentions any cryptocurrency.

has_stocksboolean

True if user mentions stocks, ETFs, or brokerage.

health_insurancenumber

Monthly health/medical insurance premium.

home_valuenumber

Home/property market value.

internetnumber

Monthly internet bill.

investment_balancenumber

Brokerage/investment account balance (non-retirement).

investment_incomenumber

Monthly dividends, interest, or investment income.

is_homeownerboolean

True if the user owns a home (has mortgage, not renting).

is_unemployedboolean

True if the user is unemployed, between jobs, or has no income.

jewelry_collectiblesnumber

Value of jewelry, watches, art, collectibles.

liabilitiesnumber

Total liabilities if given as a lump sum.

liquid_assetsnumber

Total liquid assets if given as a lump sum.

medical_debtnumber

Medical debt/bills balance.

monthly_expensesnumber

Total monthly expenses if given as a lump sum.

monthly_incomenumber

Total monthly take-home income.

mortgage_balancenumber

Remaining mortgage balance.

mortgage_paymentnumber

Monthly mortgage payment.

nonliquid_assetsnumber

Total non-liquid assets if given as a lump sum.

nonliquid_discountnumber

Discount percentage for non-liquid assets (default 25).

num_childrennumber

Number of children/kids the user has.

pension_fundnumber

Pension fund balance.

pension_incomenumber

Monthly pension income.

personal_loannumber

Personal loan balance.

phone_billnumber

Monthly phone/cell plan.

presetstring

Budget template based on life stage. 'gen_z' for ages 18-28/students/young adults. 'millennial' for ages 29-43/career professionals/single adults. 'family' for ages 30-55 with kids/married/dual-income. 'retiree' for ages 60+/retired/Social Security/pension.

Options:gen_zmillennialfamilyretiree
rentnumber

Monthly rent payment.

rental_incomenumber

Monthly rental property income.

retirement_savingsnumber

Total retirement savings if given as a lump sum.

roth_iranumber

Roth IRA balance.

salarynumber

Monthly salary/wages from primary job.

savings_balancenumber

Savings account balance.

sep_iranumber

SEP IRA balance.

side_incomenumber

Monthly freelance, side hustle, or gig income.

social_securitynumber

Monthly Social Security benefit.

stock_tickersstring

Comma-separated stock ticker symbols, e.g. 'AAPL,TSLA,VOO'. Use uppercase.

student_loansnumber

Student loan balance.

subscriptionsnumber

Monthly subscriptions (streaming, apps, gym, etc).

traditional_iranumber

Traditional IRA balance.

transportationnumber

Monthly gas, transit, rideshare.

utilitiesnumber

Monthly utilities (electric, water, gas).

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