Hidden money, found
Pricing
Every mode builds a structured audit prompt you run in ChatGPT, Claude, Gemini, or a local model. Optional deeper analysis requires an AI assistant you choose, such as ChatGPT, Claude, Gemini, or a local model. Pick the time and coverage that match your household.
Choose a depth
Optional deeper analysis requires an AI assistant you choose, such as ChatGPT, Claude, Gemini, or a local model.
Free
Fast scan — free
Free
A first look when you have about ten minutes and want the highest-priority checks.
Most households
Broader household review
$10
A broader household review across major money, benefits, insurance, and cost domains.
Most thorough
Most thorough
$20
Complex histories — multiple states, employers, properties, or life events — when you want every applicable domain closed.
Side by side
The same questionnaire engine powers all three. Depth changes how many domains are investigated, how far back we look, and whether unfinished items stay visible.
| What you get | Minimal Scan Free | Standard Audit $10 | Complete Audit $20 |
|---|---|---|---|
| Price | Free | $10 | $20 |
| Questionnaire time One question at a time. Skip anything you do not want to share. | About 3 minutes | About 8 minutes | About 15 minutes |
| Audit time in your AI assistant | 5–10 minutes | 25–45 minutes | About 2–3 hours across sessions |
| Save and resume | Quick scan — finish in one sitting | Yes — local browser progress | Yes — domain checkpoints for multi-session work |
| Investigation scope | Up to 5 priority areas from the eligible set | Every major financial domain that applies | Every applicable domain, with a terminal status on each |
| Guided checks | 8 decisions or official lookups | Full major-domain walkthrough | Full applicable-domain walkthrough |
| Healthcare and medical spending Claims, appeals, assistance programs, and reimbursement accounts. | Identified, then deferred | Investigated when triggered | Investigated when triggered |
| Disability-related finances Income, benefits, expenses, and coverage effects — not medical advice. | Identified, then deferred | Work, income, care, and cost sweep | Full benefit, insurance, housing, and planning sweep |
| Insurance overlap and discounts | Not in this mode | Auto, home, renters, pet, and employer overlap | Overlap plus unclaimed proceeds when applicable |
| Government and community programs | Not in this mode | Screening from disclosed triggers | Federal, state, veteran, disaster, and community checks |
| Pets, travel, education, and business | Not in this mode | Included when those triggers apply | Included when those triggers apply |
| Former states, employers, and properties | Former-state exposure asked if unresolved; not a full history sweep | Household history that affects major domains | Past-state, employer, property, household, and life-event history |
| Injury, disease, and loss lookback | One incident triage | Past 3 years | Past 5–10 years |
| Unusual out-of-pocket expenses | One incident if disclosed | Up to 5 | Up to 10 |
| Upcoming life-event horizon | One event triage | Likely or scheduled events in the next 24 months | Considering, likely, or scheduled events in the next 36 months, with timelines |
| Coverage ledger Unknown answers stay unresolved instead of looking complete. | Deferred list at the end of the scan | Major domains covered or explicitly deferred | Every applicable domain gets a terminal status |
| Your AI assistant Optional deeper analysis requires an AI assistant you choose, such as ChatGPT, Claude, Gemini, or a local model. | ChatGPT, Claude, Gemini, or local model | ChatGPT, Claude, Gemini, or local model | ChatGPT, Claude, Gemini, or local model |
| Personalized audit prompt | Full prompt — copy into your AI | Full prompt — broader topic coverage | Full prompt — broadest topic coverage |
| Where answers are stored | Questionnaire stays in your browser | Questionnaire stays in your browser | Questionnaire stays in your browser |
Coverage map
Minimal can only investigate five priority areas from the domains it is allowed to open. Standard and Complete include a domain when your answers trigger it.
| Domain | Minimal Scan | Standard Audit | Complete Audit |
|---|---|---|---|
| Money already owed to you Unclaimed property, refunds, deposits, pensions, and forgotten balances. | If selected in the 5-area plan | Included when it applies | Included when it applies |
| Federal, state, and local taxes Refunds, unfiled returns, credits, and property-tax relief. | If selected in the 5-area plan | Included when it applies | Included when it applies |
| Employment compensation and benefits Match, FSAs, commuter accounts, reimbursements, and former-employer benefits. | If selected in the 5-area plan | Included when it applies | Included when it applies |
| Healthcare and medical spending Claims, appeals, assistance programs, and reimbursement accounts. | Not in this mode | Included when it applies | Included when it applies |
| Disability-related income, benefits, expenses, coverage, and planning Functional and financial effects of disability — not diagnosis or medical advice. | Not in this mode | Included when it applies | Included when it applies |
| Housing, mortgage, rent, and property Escrow, PMI, deposits, insurance overlap, and property-tax relief. | If selected in the 5-area plan | Included when it applies | Included when it applies |
| Banking, credit, and debt Fees, interest bands, closed-account credits, loan add-ons, and hardship options. | If selected in the 5-area plan | Included when it applies | Included when it applies |
| Insurance Duplicate coverage, discounts, refunds, and unclaimed proceeds. | Not in this mode | Included when it applies | Included when it applies |
| Consumer rights and stored value Gift cards, store credits, subscriptions, and cancellation rights. | If selected in the 5-area plan | Included when it applies | Included when it applies |
| Purchases, warranties, and price protections Recalls, rebates, extended warranty, and return protections. | Not in this mode | Included when it applies | Included when it applies |
| Transportation Auto add-ons, tolls, commuter benefits, and incentives. | Not in this mode | Included when it applies | Included when it applies |
| Education, children, dependents, and caregiving Childcare accounts, tax credits, and caregiver benefits. | Not in this mode | Included when it applies | Included when it applies |
| Retirement, Social Security, pensions, and estates Lost plans, beneficiary errors, and survivor benefits. | Not in this mode | Included when it applies | Included when it applies |
| Government and community programs Benefits screening based on age, location, and household triggers. | Not in this mode | Included when it applies | Included when it applies |
| Travel, loyalty, and digital balances Credits, miles, app-store balances, and forgotten wallet balances. | Not in this mode | Included when it applies | Included when it applies |
| Pet financial and veterinary costs Pet insurance, chronic conditions, injury, surgery, and denied claims. | Not in this mode | Included when it applies | Included when it applies |
| Self-employment, rental property, and small business Business fees, deposits, SaaS waste, and rental property issues. | Not in this mode | Included when it applies | Included when it applies |
| Loss recovery and incident reimbursement Injuries, diseases, property loss, theft, accidents, and vet events — insurance, assistance, and third-party recovery. | If selected in the 5-area plan | Included when it applies | Included when it applies |
| Past life-event sweeps Cross-domain checks for moves, job changes, births, deaths, disasters, and more in the lookback window. | If selected in the 5-area plan | Included when it applies | Included when it applies |
| Future life-event preparation Upcoming moves, job changes, births, surgeries, and retirement — benefits, taxes, and cost planning. | If selected in the 5-area plan | Included when it applies | Included when it applies |
How to choose
A first look when you have about ten minutes and want the highest-priority checks.
A broader household review across major money, benefits, insurance, and cost domains.
Complex histories — multiple states, employers, properties, or life events — when you want every applicable domain closed.
FAQ
Yes. MoneyPotential builds your structured audit prompt, but the investigation runs in an AI assistant you already use — such as ChatGPT, Claude, Gemini, or a local model. We do not run the audit on our servers.
Yes. Minimal Scan is free: a short questionnaire and a personalized audit prompt with up to five priority areas and eight guided topics. You paste that prompt into your AI assistant to run the checks.
Standard ($10) adds every major financial domain that applies to your household — healthcare, insurance, government programs, pets, travel, education, and business when those triggers apply — in about 25–45 minutes in your AI assistant. Complete ($20) adds the broadest prompt coverage: terminal status on every applicable domain, extended injury and life-event lookbacks, former states, employers, and properties — built for 2–3 hours across resumable sessions.
Yes. Compatible questionnaire answers carry forward when you switch to a deeper mode, so you do not re-answer facts you already shared. Deferred items from Minimal are the usual reason to move to Standard.
Questionnaire answers stay in your browser (IndexedDB) so you can resume. With the default local prompt builder, answers are not sent to MoneyPotential servers to assemble your prompt. We do not connect to bank accounts or request passwords.
Complete is the most thorough, not automatically the best fit. Choose it when you have a complex history or want every applicable domain in your prompt. Most households get enough coverage from Standard without a multi-hour commitment.
Minimal Scan takes about ten minutes. You can carry compatible answers into Standard or Complete later.
Educational tool only. Not financial, tax, or investment advice. See limitations.