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We found $2,152/year you could keep

= 4.3 months of your groceries

1 account • 272 transactions • Sep 2025 – Aug 2026 · 12 months

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Total Spending
$19,395
All accounts
Monthly Average
$1,616
Over 12 months
Highest Month
$2,508
Jun '26
Lowest Month
$1,378
Aug '26
Interest Paid
$867
Avoidable cost

Monthly Spending by Account

Spending by Category

Spending by Account

Category Breakdown

Monthly Category Heatmap

Sep '25Oct '25Nov '25Dec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Total
Groceries$454$529$485$490$526$456$546$453$531$483$492$524$5,969
Bills & Utilities$285$203$242$254$193$291$175$287$201$245$251$196$2,824
Insurance$187$187$187$187$187$187$187$187$187$187$187$187$2,249
Shopping$159$47$1.1k$62$155$88$126$105$103$102$104$81$2,203
Food & Dining$199$153$209$154$198$174$173$198$154$209$154$199$2,174
Gas & Fuel$98$109$86$116$84$112$94$99$108$87$116$84$1,193
Travel---------$1.1k--$1,094
Donations & Charity$50$50$50$50$50$50$50$50$50$50$50$50$600
Entertainment$45$45$45$45$45$45$27$27$27$27$27$27$438
Health & Medical$19$33$24$27$31$21$35$19$33$23$27$30$322
Total$1.5k$1.4k$2.4k$1.4k$1.5k$1.4k$1.4k$1.5k$1.4k$2.5k$1.5k$1.4k$19,395

Top 15 Merchants by Total Spend

Merchants Detail (top 24 of 24)

#MerchantTotalTrendAvg/TxnTransactionsCategory
1$2,249Sep '25: $187 Oct '25: $187 Nov '25: $187 Dec '25: $187 Jan '26: $187 Feb '26: $187 Mar '26: $187 Apr '26: $187 May '26: $187 Jun '26: $187 Jul '26: $187 Aug '26: $187$18712 txns
2$2,184Sep '25: $152 Oct '25: $198 Nov '25: $183 Dec '25: $164 Jan '26: $214 Feb '26: $143 Mar '26: $221 Apr '26: $150 May '26: $200 Jun '26: $181 Jul '26: $166 Aug '26: $212$18212 txns
3$2,136Sep '25: $144 Oct '25: $227 Nov '25: $131 Dec '25: $221 Jan '26: $154 Feb '26: $185 Mar '26: $196 Apr '26: $146 May '26: $226 Jun '26: $131 Jul '26: $223 Aug '26: $152$8924 txns
4$1,684Sep '25: $190 Oct '25: $108 Nov '25: $147 Dec '25: $159 Jan '26: $98 Feb '26: $196 Mar '26: $80 Apr '26: $192 May '26: $106 Jun '26: $150 Jul '26: $156 Aug '26: $101$14012 txns
5$1,649Sep '25: $159 Oct '25: $104 Nov '25: $171 Dec '25: $104 Jan '26: $158 Feb '26: $128 Mar '26: $129 Apr '26: $157 May '26: $105 Jun '26: $171 Jul '26: $104 Aug '26: $159$6924 txns
6$1,140Sep '25: $95 Oct '25: $95 Nov '25: $95 Dec '25: $95 Jan '26: $95 Feb '26: $95 Mar '26: $95 Apr '26: $95 May '26: $95 Jun '26: $95 Jul '26: $95 Aug '26: $95$9512 txns
7$936Sep '25: $106 Oct '25: $47 Nov '25: $101 Dec '25: $62 Jan '26: $79 Feb '26: $88 Mar '26: $55 Apr '26: $105 May '26: $47 Jun '26: $102 Jul '26: $61 Aug '26: $81$3924 txns
8$903Sep '25: $92 Oct '25: $62 Nov '25: $82 Dec '25: $76 Jan '26: $67 Feb '26: $89 Mar '26: $58 Apr '26: $92 May '26: $61 Jun '26: $82 Jul '26: $75 Aug '26: $67$3824 txns
9$900Sep '25: $0 Oct '25: $0 Nov '25: $900 Dec '25: $0 Jan '26: $0 Feb '26: $0 Mar '26: $0 Apr '26: $0 May '26: $0 Jun '26: $0 Jul '26: $0 Aug '26: $0$9001 txns
10$827Sep '25: $78 Oct '25: $50 Nov '25: $91 Dec '25: $44 Jan '26: $88 Feb '26: $56 Mar '26: $70 Apr '26: $77 May '26: $51 Jun '26: $91 Jul '26: $44 Aug '26: $88$6912 txns
11$619Sep '25: $47 Oct '25: $60 Nov '25: $42 Dec '25: $61 Jan '26: $45 Feb '26: $56 Mar '26: $53 Apr '26: $47 May '26: $60 Jun '26: $42 Jul '26: $62 Aug '26: $44$5212 txns
12$611Sep '25: $0 Oct '25: $0 Nov '25: $0 Dec '25: $0 Jan '26: $0 Feb '26: $0 Mar '26: $0 Apr '26: $0 May '26: $0 Jun '26: $611 Jul '26: $0 Aug '26: $0$6111 txns
13$600Sep '25: $50 Oct '25: $50 Nov '25: $50 Dec '25: $50 Jan '26: $50 Feb '26: $50 Mar '26: $50 Apr '26: $50 May '26: $50 Jun '26: $50 Jul '26: $50 Aug '26: $50$5012 txns
14$574Sep '25: $52 Oct '25: $48 Nov '25: $44 Dec '25: $55 Jan '26: $39 Feb '26: $57 Mar '26: $41 Apr '26: $52 May '26: $48 Jun '26: $45 Jul '26: $55 Aug '26: $39$4812 txns
15$482Sep '25: $0 Oct '25: $0 Nov '25: $0 Dec '25: $0 Jan '26: $0 Feb '26: $0 Mar '26: $0 Apr '26: $0 May '26: $0 Jun '26: $482 Jul '26: $0 Aug '26: $0$4821 txns
16$367Sep '25: $53 Oct '25: $0 Nov '25: $68 Dec '25: $0 Jan '26: $76 Feb '26: $0 Mar '26: $71 Apr '26: $0 May '26: $56 Jun '26: $0 Jul '26: $43 Aug '26: $0$616 txns
17$322Sep '25: $19 Oct '25: $33 Nov '25: $24 Dec '25: $27 Jan '26: $31 Feb '26: $21 Mar '26: $35 Apr '26: $19 May '26: $33 Jun '26: $23 Jul '26: $27 Aug '26: $30$2712 txns
18$300Sep '25: $0 Oct '25: $75 Nov '25: $0 Dec '25: $0 Jan '26: $75 Feb '26: $0 Mar '26: $0 Apr '26: $75 May '26: $0 Jun '26: $0 Jul '26: $75 Aug '26: $0$754 txns
19$289Sep '25: $21 Oct '25: $25 Nov '25: $26 Dec '25: $20 Jan '26: $30 Feb '26: $18 Mar '26: $29 Apr '26: $20 May '26: $25 Jun '26: $26 Jul '26: $20 Aug '26: $29$2412 txns
20$186Sep '25: $15 Oct '25: $15 Nov '25: $15 Dec '25: $15 Jan '26: $15 Feb '26: $15 Mar '26: $15 Apr '26: $15 May '26: $15 Jun '26: $15 Jul '26: $15 Aug '26: $15$1512 txns
21$155Sep '25: $9 Oct '25: $17 Nov '25: $10 Dec '25: $14 Jan '26: $14 Feb '26: $11 Mar '26: $17 Apr '26: $9 May '26: $17 Jun '26: $10 Jul '26: $14 Aug '26: $14$1312 txns
22$144Sep '25: $12 Oct '25: $12 Nov '25: $12 Dec '25: $12 Jan '26: $12 Feb '26: $12 Mar '26: $12 Apr '26: $12 May '26: $12 Jun '26: $12 Jul '26: $12 Aug '26: $12$1212 txns
23$108Sep '25: $18 Oct '25: $18 Nov '25: $18 Dec '25: $18 Jan '26: $18 Feb '26: $18 Mar '26: $0 Apr '26: $0 May '26: $0 Jun '26: $0 Jul '26: $0 Aug '26: $0$186 txns
24$29Sep '25: $0 Oct '25: $0 Nov '25: $0 Dec '25: $0 Jan '26: $0 Feb '26: $0 Mar '26: $29 Apr '26: $0 May '26: $0 Jun '26: $0 Jul '26: $0 Aug '26: $0$291 txns

Interest Charges Over Time

Recurring Payments Detected (8)

Fixed monthly baseline from active recurring payments: $525/mo
Recurring Bills
GEICO
Insurance
Monthly · active
$187.40/mo
$2249/yr
PACIFIC GAS AND ELECTRIC
Bills & Utilities
Monthly · active
$140.34/mo
$1684/yr
T-Mobile
Bills & Utilities
Monthly · active
$95.00/mo
$1140/yr
Subscriptions
AMERICAN RED CROSS DONATION
Donations & Charity
Monthly · active
$50.00/mo
$600/yr
FASTRAK CSC CA
Transportation
Quarterly · active
$25.00/mo
$300/yr
Hulu
Entertainment
Monthly · Sep '25 – Feb '26
$17.99/mo
$216/yr
Netflix
Entertainment
Monthly · active
$15.49/mo
$186/yr
Spotify
Entertainment
Monthly · active
$11.99/mo
$144/yr

Your Financial Baseline

Before you make a single choice each month, $525 is already committed:

$525
$624
$467
Committed — recurring bills, subscriptions, and recurring giving. Leaves only by cancelling.
Essentials — groceries, gas, health, insurance, utilities. You'll spend it, but you control how much.
Everything else — dining, shopping, travel, one-off giving. Fully your call each month.

Your savings plan below targets $1,163/yr from the flexible bands and $989/yr from committed costs (interest, subscriptions).

✨ Pro preview — this is what Pro unlocks with your own data

Your Savings Plan

4 personalized recommendations

$2,152
potential annual savings ($179/mo)
= 4.3 months of your groceries
1
🏦

Eliminate interest charges with a balance transfer

Some Effort

Transfer your balance to a 0% intro APR card. Most offer 15-21 months at 0%. Pay down the balance during the intro period and eliminate interest entirely.

You paid $867 in interest this year across 1 card(s) — currently running ~$97/mo and climbing.
$989/year($82/month)
2
🍔

Switch grocery delivery to in-store shopping

Some Effort

Instacart marks up prices 15-20% over in-store, plus charges delivery and service fees. Shopping in-store once or twice a week eliminates this markup entirely.

You spent $2,136 this year on Instacart (24 orders). In-store equivalent: ~$1,602.
$534/year($45/month)
3
🍔

Cut food delivery orders in half

Some Effort

Delivery apps charge 20-35% in fees, markups, and tips on top of menu prices. Switching half your orders to pickup or cooking saves significantly.

You spent $903 this year on food delivery (24 orders, avg $38/order).
$361/year($30/month)
4
📊

Set a monthly spending cap to smooth out spikes

Some Effort

Your spending swings from $1,378 to $2,508/month. Setting a monthly target of $1,778 and checking mid-month prevents surprise overruns.

Spike months: Nov '25 ($2,399), Jun '26 ($2,508). Your average is $1,616/mo.
$268/year($22/month)
Total Potential Savings
If you implement all 4 recommendations
$2,152/year
$179/month

Insights

You paid $867 in interest charges. Consider paying balances in full or using a 0% balance transfer card.

Food spending (42% of total) is above typical levels. Delivery services add 20-30% in fees.

7 active recurring payments totaling $6,303/yr. Review for unused services.

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