Cents and Code is a YouTube channel about money and AI for American households. Each episode runs one experiment on public data, and every figure on screen traces back to a named source.
Numbers from the Bureau of Labor Statistics, the Federal Reserve, the FDIC, the USDA and Consumer Reports.
AI is fast and confident, and sometimes wrong. These are the rules every video follows.
Every number comes from a named public source: the BLS, the Federal Reserve, the FDIC and others. The links are in each video's description.
The AI proposes the cuts. We redo the math and compare it with the original source before it goes on screen. When the AI gets something wrong, we show it.
The narration uses an AI voice and some b-roll is AI-generated. Every video carries YouTube's altered or synthetic content label.
We show the math so you can make your own call. We're not financial advisers, and nothing here is a recommendation for your situation.
These are the six cuts from episode 1. Every field starts with the U.S. average we used in the video. Type your own numbers and the receipt updates. Nothing you type leaves this page.
Long videos run the experiment start to finish. Shorts take one cut at a time.
8:05The average household spent $78,535 in 2024. AI found six cuts worth $3,349 a year without touching rent, health care or retirement.
11:33From your own bank statements to a working budget, plus the one check that catches the AI's mistakes.
The spreadsheet from both episodes. It works in Excel and Google Sheets, and it takes about 20 minutes with two or three months of statements.
Want the debt planner and 100 AI prompts too? They come with this template in the Money Toolkit for $17.
Before you paste statements into any AI, delete account numbers. Never share passwords or your Social Security number.
Built the same way as the videos: real formulas you can check, plain-English instructions and nothing to install. Pay once and download right away.
Best value · save $4All three tools in one download. Plan your way out of debt, ask AI better money questions and audit your budget.
Your debt-free date and the payoff order that costs the least interest. Up to 10 debts and 30 years.
100 copy-paste prompts for budgets, bills, debt, saving, big purchases, taxes and family money talks.
If a file doesn't work or won't download, we fix it or refund you. Email us within 14 days of your purchase.
Payments and downloads are handled by Payhip. Prices are in U.S. dollars, and where VAT applies it's already included. See the refund policy.
Something else? Write to [email protected].
Right after checkout, Payhip shows a download button and emails you a download link. Nothing to install.
No. The planner and the template work in Microsoft Excel and in Google Sheets, which is free with a Google account. The prompt library is a PDF plus a plain text file.
Any AI chat you type into, such as ChatGPT, Claude, Gemini or Copilot. There's no plugin and no account with us.
No. You pay once and the files are yours to keep.
Email us within 14 days of your purchase and we'll fix it or refund you in full. The details are in our refund policy.
No. The tools do the arithmetic and help you ask better questions. The decisions are yours, and for anything complicated, talk to a qualified professional.
Cents and Code is an independent YouTube channel. We test what AI gets right and wrong about everyday money: budgets, savings, debt, insurance and the bills that quietly add up.
The videos use U.S. data and are made for U.S. households. New episodes every week.
Tell us. Corrections go in the pinned comment and the video description.
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