At the start of a new year, many people hope to properly plan their finances and save more money. To help users achieve this goal, recently Google Just shared 10 ways that can be done through Gemini Tips for planning your 2026 financial plan, from budgeting for major expenses and evaluating different budgets to designing money-saving plans and even generating professional budget tracking sheets, all compiled below for you.
Google shares 10 tips for planning your 2026 finances using Gemini
Planning major expenses
You might be planning a significant expense this year, such as buying a new car or taking your family on an overseas trip. For these goals, you can have Gemini act as your personal strategy advisor to better plan your overall savings plan.
Try this prompt:
我想在 12 月前存到 31 萬元，作為購車的頭期款。我的每月實領薪水是 [X]，每月支出是 [Y]。請幫我規劃一份 12 個月的儲蓄藍圖，並指出最容易超支的風險。
2. Compare different scenarios
If you have multiple plans but aren’t sure which one best fits your current financial situation, Gemini can also help analyze the differences between them, allowing you to quickly understand their pros and cons.
Try this prompt:
請比較我 2026 年預算的兩種情境。
情境 A：我繼續使用現在的車，每月車貸 500 美元。
情境 B：我把車賣掉，改買一輛二手車並以現金支付，然後把每月 500 美元拿去投資。
請顯示兩種做法在預期收益上的差異。
Develop a tax regulations tool
In the past, tax-related issues typically required professional assistance, but now with Gemini and NotebookLM, you just need to provide the right documents, and they can help you uncover potential tax-saving opportunities.
Try this prompt:
我是一名在家工作的自由接案設計師。請僅根據我附上的報稅文件，協助我找出降低應稅所得的可能方式。
4. Creating a Budget-Friendly Meal Plan
If you want to indulge in great food but worry about breaking the bank, try having Gemini help you plan a way to save big without sacrificing the cuisine.
Try this example prompt
我的每週飲食預算是 200 美元。請產出一份 7 天的餐點計畫，使用價格低廉且當季的食材，並以表格形式提供分類的購物清單與每項物品的預估價格。
5. Draft an email to help you reduce costs
In the past, getting a better deal often meant negotiating on your own, but not everyone knows how to effectively persuade the other party. Now with Gemini, you can quickly draft persuasive content to help you negotiate with insurance companies and other organizations.
Try this prompt:
請幫我寫一封語氣有禮但立場堅定的電子郵件，讓我能向汽車保險公司談判更低的費率，並引用我郵遞區號內競爭對手的最新促銷活動。
6. Generate a professional budget tracking sheet
Gemini can now also generate professional budget tracking, creating a well-structured budget template in seconds with no setup required.
Try this prompt:
請建立一份 2026 年的每月預算追蹤表，欄位包含「類別」、「預算」、「實際支出」與「差異」。
並新增「食品雜貨」、「娛樂」與「醫療保健」等項目，搭配專業的格式設計與交錯列顏色。
7. Auto-categorize Expenses
When you receive bank or credit card statements, many people may feel overwhelmed and unsure how to track their spending. With Gemini, just one prompt lets you easily understand exactly where your money went.
Try this prompt:
請分析 A 欄的交易描述，並在 B 欄將每一筆消費分類為：飲食、交通、房租、娛樂或其他。
8. Generate complex formulas without writing code
Instead of building formulas from scratch, just tell Gemini your goal and let it quickly write the syntax you need in Google Sheets.
Try this prompt:
請寫出一個公式，用來計算在信用卡餘額 4,500 美元、年利率 21%，每月還款 300 美元的情況下，需要多少個月才能清償完畢。並解釋公式的運作方式，好讓我能套用到其他債務上。
9. Find budget loopholes
Beyond planning, you can also use Gemini in Google Sheets to analyze your spending changes and uncover expenses that are easy to miss but may gradually spiral out of control.
Try this prompt:
請分析我 2026 年 1 月到 3 月的支出狀況，哪些類別相較於 2025 年平均值，出現最高百分比成長？並製作一張圖表來視覺化呈現。
10. Audit unused “zombie subscriptions” in your inbox
After opening the Gmail sidebar, you can ask Gemini to help find all the services you’ve subscribed to with automatic payments, so you can see more clearly which ones you should cancel right away.
Try this prompt:
請找出我過去 6 個月 Gmail 中所有定期訂閱的收據，列出服務名稱、每月費用與下次續費日期。
Source: KOCPC Chinese