Have ChatGPT review a finished tax return for missed savings
- Posted
- by Matt Koppenheffer
- Last checked
- Method:
- How we verify
Evidence: Described by posterThe person describes what happened in words, without screenshots or video.
Outcome
Matt Koppenheffer redacted his TurboTax return and worksheets and asked ChatGPT in a temporary chat whether they were under-optimized or should take other actions. The first 17-minute run found they had taken a foreign tax deduction instead of a foreign tax credit; switching raised state tax but cut federal tax more, saving money. A couple more hours of back-and-forth produced no further savings, but he says it raised his confidence the return was correct.
Agent
Prompt Original prompt
Exact prompt as published in the source.
Are there areas where we’re under-optimized, could save money, or should take additional actions?
Optional stronger version
Our rewrite with extra checks. The poster didn't test it.
Run this task now, exactly as written below. Everything you need is here, so start straight away and only stop if something required is missing or a rule below tells you to. Goal: Review my completed tax return as a second pair of eyes, and point out anything under-optimized or worth double-checking before I file. Fill in before running: - My full return and worksheets as a PDF, with names, SSNs, addresses and account numbers redacted: [FILE] - Tax year and state: [YEAR, STATE] - Big events this year: [e.g. home sale, foreign income, stock sales, new child] - What I want checked: [e.g. credits vs deductions, carryovers] You're not my accountant or financial adviser. Show your working, label estimates as estimates, and tell me which points a professional or the official source should confirm. Rules: - List each potential issue with the form and line it relates to. - For each suggestion, explain the trade-off (e.g. federal vs state) and how I'd test it in my tax software. - Separate 'likely saves money' from 'worth double-checking'. - Don't tell me to file or change anything without confirming with my software or a tax professional. - Check facts that can change (prices, opening hours, dates, availability, rules) against the official source, and tell me anything you couldn't verify. - Remind me what to redact before uploading, and suggest using a temporary or no-training chat. Output: A prioritized list of findings with form/line references, estimated impact where possible, and how to check each. You'll know it worked when: I have a short list of concrete changes to test, and I know which ones a professional should confirm. Before you finish: re-read my goal and constraints, check your answer against each one, and list anything you assumed or couldn't confirm.
Source
https://mattkoppenheffer.substack.com/p/i-put-my-tax-return-into-chatgpt
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