Insights
Patterns, projections and a health score — computed from your data, no magic.
98
Excellent
Financial health
Computed from your own numbers — savings rate, budgets, cushion and debt.
Savings rate · 30% weight
100
Saving 51% of income over the last 3 months
Budget adherence · 25% weight
100
6 of 6 budgets on track
Emergency cushion · 25% weight
100
7.2 months of spending in liquid accounts
Debt load · 20% weight
91
Debt equals 14% of monthly income
Acting on these could free up about $117/month.
Warningsave ~$62/mo95% confidence
You typically overspend the Shopping budget by 15%.
- Adjust the budget to a realistic number — or commit to the cut
- Find the specific purchases to trim
- Check this budget mid-month, not just at the end
Optimizesave ~$55/mo70% confidence
Travel spending swings a lot month to month.
- Set a consistent monthly amount for this category
- Track what triggers the spikes
- Automate savings to smooth out the swings
Working90% confidence
Nice work — Entertainment spending is trending down. Keep it going.
- Keep doing whatever drove the reduction
- Redirect the savings toward a goal
- Watch next month to make sure the trend holds