Missed refunds
Return windows, billing errors, and purchase protections you may not have chased.
Discover money you did not know to look for.
Find missed refunds, unused benefits, and money already owed to you.
Unclaimed property, old retirement accounts, missing tax refunds, insurance reimbursements, employer benefits, and recurring fees — answer a short questionnaire in your browser, then copy a structured audit prompt into ChatGPT, Claude, Gemini, or a local model you trust.
Minimal Scan is free · requires ChatGPT, Claude, Gemini, or another AI account
What you might be missing
Money hiding in plain sight
Refunds, benefits, insurance, debt, and consumer protections are usually checked separately. MoneyPotential brings those opportunities into one prioritized review.
Unused benefits
Employer perks, insurance riders, tax credits, and programs already available to you.
Hidden costs
Subscriptions, fees, duplicate coverage, and rates that quietly drain cash every month.
Structured audit prompt
MoneyPotential assembles topics, official sources, and one-question-at-a-time instructions — ready to paste into your AI assistant.
How it works
Three steps to your audit
Answer adaptive questions
One question at a time in your browser. Skip anything you do not want to share.
Get your personalized prompt
MoneyPotential selects relevant topics, official sources, and step-by-step instructions — assembled locally from your answers.
Run the audit in your AI
Copy the prompt into ChatGPT, Claude, Gemini, or a local model. You control what you share during the conversation.
Read the full walkthrough — including what makes Complete mode different.
Common opportunities
Money people forget to look for
Start with these guides — then run a personalized audit that connects the dots for your household.
How to Find Unclaimed Money
Search every relevant state and the separate federal databases for unclaimed property, unpaid wages, bonds, pensions, and other money that may still be held for you.
Read guideHow to Find a Lost 401(k), Pension or Retirement Plan
Build a former-employer worksheet, search the DOL Retirement Savings Lost and Found, PBGC, and state unclaimed property, then record what the result actually means.
Read guideMedical Bill and Insurance Appeal Guide
Compare your bill with your insurer’s Explanation of Benefits, identify possible errors, and determine the appropriate appeal or assistance path.
Read guideJob-Change Financial Checklist
Build before-last-day, coverage-transition, and new-job timelines for retirement, insurance, FSA/HSA, and enrollment deadlines — then turn the dates into an audit calendar.
Read guideUnused Employee Benefits and FSA Deadlines
Inventory retirement, healthcare accounts, and overlooked workplace perks from the actual plan documents — then record usage and deadlines locally.
Read guideMissing, Delayed or Offset Tax Refund
Separate a still-processing return from a sent refund, an offset, a lost check, or a state refund — using IRS status tools and transcripts without uploading tax returns.
Read guide
Sample output
What your audit produces
Action cards with confidence levels, time estimates, and official source links — not guaranteed findings.
Possible old employer balance
Search the Department of Labor Retirement Savings Lost and Found database.
Potential recurring savings
Review whether private mortgage insurance can be removed.
See a full example report with coverage tracking and verification steps.
Choose your depth
Minimal, Standard, or Complete
Start free with Minimal Scan, then upgrade only if you want deeper coverage.
Free
Minimal Scan
Fast scan — free
Up to 5 priority opportunity areas and 8 guided checks.
Start freeStandard Audit
Broader household review
Benefits, housing, utilities, insurance, debt, purchases, and stored-value checks.
Start with Standard AuditComplete Audit
Most thorough
Former states, employers, properties, life events, and jurisdiction-specific rights.
Start with Complete AuditCompare Minimal, Standard, and Complete in detail — time, domains, resume, and export side by side.
FAQ
Common questions
Is MoneyPotential financial or tax advice?
No. MoneyPotential is an educational tool that guides you through a structured financial opportunity audit. It is not financial, tax, legal, or investment advice. Always verify opportunities with official sources and qualified professionals before acting.
How does MoneyPotential work?
You answer a branching questionnaire in your browser. MoneyPotential builds a structured audit prompt with selected topics, official sources, and one task at a time. You copy that prompt into ChatGPT, Claude, Gemini, or a local model — the AI conversation conducts the investigation. MoneyPotential does not claim it already found money for you.
Why use my own AI assistant?
Your questionnaire stays on this device. The prompt tells your assistant what to check and how — without MoneyPotential running the audit on our servers or storing your raw answers. You choose the provider, the conversation, and what extra details you share during the audit.
What can the prompt help me check?
Depending on depth, topics can include unclaimed property, return windows, employer benefits, insurance gaps, utility programs, stored-value balances, and jurisdiction-specific checks. Complete mode adds former states, employers, and life-event triggers.
Is my information private?
Questionnaire answers are stored locally 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 — generation runs in the browser. We do not connect to bank accounts or request passwords. Optional analytics, enabled only with cookie consent, records page navigation — never your answers.
Ready to find money you did not know to look for?
Start the questionnaire — free Minimal Scan, no bank login required.
Build your audit promptEducational tool only. Not financial, tax, or investment advice. See limitations.