Financial Math (Evals)

[JPrenter]

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Eval details 📑

Eval name

finance

Eval description

Asks the model to calculate how much interest would be owed on a credit card by a certain date, if a payment was made once but debt remains on the card.

What makes this a useful eval?

Finance is likely to be one of the biggest opportunities for LLMs to be useful, because financial education is incredibly poor globally and the impact of a mistake in financial calculations is severe. This eval tests the models ability to combine math with its understanding of a topic (finance). We plan to use this type of math at Dollarwise frequently going forward, including integration into your comparison products. However, for this to work reliably it's important that the model here can natively understand financial concepts and apply math to them.

Criteria for a good eval ✅

Below are some of the criteria we look for in a good eval. In general, we are seeking cases where the model does not do a good job despite being capable of generating a good response (note that there are some things large language models cannot do, so those would not make good evals).

Your eval should be:

• Thematically consistent: The eval should be thematically consistent. We'd like to see a number of prompts all demonstrating some particular failure mode. For example, we can create an eval on cases where the model fails to reason about the physical world.
• Contains failures where a human can do the task, but either GPT-4 or GPT-3.5-Turbo could not.
• Includes good signal around what is the right behavior. This means either a correct answer for Basic evals or the Fact Model-graded eval, or an exhaustive rubric for evaluating answers for the Criteria Model-graded eval.
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Unique eval value

Insert what makes your eval high quality that was not mentioned above. (Not required)

Eval structure 🏗️

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• Check that your data is in evals/registry/data/{name}
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Final checklist 👀

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Submit eval

• I have filled out all required fields in the evals PR form
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Failure to fill out all required fields will result in the PR being closed.

Eval JSON data

Since we are using Git LFS, we are asking eval submitters to add in as many Eval Samples (at least 5) from their contribution here:

View evals in JSON

Eval

{"input": [{"role": "system", "content": "You are a helpful assistant."}, {"role": "user", "content": "On the 24th of September, Sarah had spent $1237.42 on her credit card for the month of September. This credit card charges 21.99% interest rate annually on outstanding credit starting on the 1st of the following month. Presume that interest is only charged at the end of each additional day. Example: From the 1st of the month to the 8th would be 7 days of interest accrued.Today is the 27th of September and Sarah makes a payment of $125 towards her credit card. How much interest will she have been charged by October 15th if she makes no additional payments? If the final interest figure is more than 2-decimal places, always round down. Answer ONLY with a dollar figure. Do not output any logic, output only the dollar figure for how much interest she was charged for the period."}], "ideal": "9.42"}
{"input": [{"role": "system", "content": "You are a helpful assistant."}, {"role": "user", "content": "On the 19th of February, Jason had spent $15.21 on his credit card for the month of February. This credit card charges 21.99% interest rate annually on outstanding credit starting on the 1st of the following month. Presume that interest is only charged at the end of each additional day. Example: From the 1st of the month to the 8th would be 7 days of interest accrued. Today is the 23rd of February and he makes a payment of $1 towards his credit card. How much interest will he have been charged by March 10th if he makes no additional payments? If the final interest figure is more than 2-decimal places, always round down. Answer ONLY with a dollar figure. Do not output any logic, output only the dollar figure for how much interest she was charged for the period."}], "ideal": "0.07"}
{"input": [{"role": "system", "content": "You are a helpful assistant."}, {"role": "user", "content": "On the 12th of February, Jason had spent $10,674.21 on his credit card for the month of February. This credit card charges 21.99% interest rate annually on outstanding credit starting on the 1st of the following month. Presume that interest is only charged at the end of each additional day. Example: From the 1st of the month to the 8th would be 7 days of interest accrued. Today is the 18th of February and he makes a payment of $1,000 towards his credit card. How much interest will he have been charged by March 10th if he makes no additional payments? If the final interest figure is more than 2-decimal places, always round down. Answer ONLY with a dollar figure. Do not output any logic, output only the dollar figure for how much interest she was charged for the period."}], "ideal": "52.59"}
{"input": [{"role": "system", "content": "You are a helpful assistant."}, {"role": "user", "content": "On the 2nd of August, Jason had spent $15,674.21 on his credit card for the month of August. This credit card charges 21.99% interest rate annually on outstanding credit starting on the 1st of the following month. Presume that interest is only charged at the end of each additional day. Example: From the 1st of the month to the 8th would be 7 days of interest accrued. Today is the 18th of August and he makes a payment of $1,000 towards his credit card. How much interest will he have been charged by September 10th if he makes no additional payments? If the final interest figure is more than 2-decimal places, always round down. Answer ONLY with a dollar figure. Do not output any logic, output only the dollar figure for how much interest she was charged for the period."}], "ideal": "79.77"}
{"input": [{"role": "system", "content": "You are a helpful assistant."}, {"role": "user", "content": "On the 15th of August, Jason had spent $1000 on his credit card for the month of August. This credit card charges 21.99% interest rate annually on outstanding credit starting on the 1st of the following month. Presume that interest is only charged at the end of each additional day. Example: From the 1st of the month to the 8th would be 7 days of interest accrued. mToday is the 18th of August and he makes a payment of $1000 towards his credit card. How much interest will he have been charged by September 10th if he makes no additional payments? If the final interest figure is more than 2-decimal places, always round down. Answer ONLY with a dollar figure. Do not output any logic, output only the dollar figure for how much interest she was charged for the period."}], "ideal": "0.00"}

[andrew-openai]

Thanks for the submission, I'm seeing the model will often output a $ sign before the number. Can you either:

1. change the eval class to fuzzymatch to capture cases where the model will put the $ sign
2. update the instruction to make it more clear not to include it
3. Add them to the answers?

love this eval, since the instructions are long form, would be curious to test this against our latest merged cot completion functions as well.

[JPrenter]

Thanks for the submission, I'm seeing the model will often output a $ sign before the number. Can you either:

1. change the eval class to fuzzymatch to capture cases where the model will put the $ sign
2. update the instruction to make it more clear not to include it
3. Add them to the answers?

love this eval, since the instructions are long form, would be curious to test this against our latest merged cot completion functions as well.

@andrew-openai I think the best solution is 1, to change to fuzzymatch because upon testing more it's very inconsistent whether it will use a $ or not.

Have changed to fuzzymatch and believe this is now fixed.

Glad you like the commit, this financial math problems is something I do a lot but the model struggles with it a lot unfortunately. Though, I imagine it's one of the bigger use cases in the future.

[andrew-openai]

thanks for addressing comments - adding gpt-4 access now