This is a demo report built from sample data — every number below is what Unblur computes from a 12-month statement.

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We found $2,152/year you could keep

= 4.3 months of your groceries

1 account 272 transactions • 12 months analyzed

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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

Top 25 Merchants Detail

#MerchantTransactionsTotalAvg/Txn
1GEICO12 txns$2,249$187
2Costco12 txns$2,184$182
3Instacart24 txns$2,136$89
4PACIFIC GAS AND ELECTRIC12 txns$1,684$140
5Trader Joe's24 txns$1,649$69
6T-Mobile12 txns$1,140$95
7Amazon24 txns$936$39
8DoorDash24 txns$903$38
9BEST BUY SANTA CLARA1 txns$900$900
10THE CORNER BISTRO SAN JOSE12 txns$827$69
11Chevron12 txns$619$52
12MARRIOTT MONTEREY BAY1 txns$611$611
13AMERICAN RED CROSS DONATION12 txns$600$50
14Shell12 txns$574$48
15UNITED AIRLINES1 txns$482$482
16Target6 txns$367$61
17CVS12 txns$322$27
18FASTRAK CSC CA4 txns$300$75
19Chipotle12 txns$289$24
20Netflix12 txns$186$15
21Starbucks12 txns$155$13
22Spotify12 txns$144$12
23Hulu6 txns$108$18
24LATE FEE1 txns$29$29

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.

Shareable Stats

Hover to share
🧬

My spending personality: The Grounded Provisioner

Top categories: Groceries + Bills & Utilities

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💝

3% of my spending went to charity

Giving is my #8 category

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🏆

My #1 merchant: GEICO

12 transactions this year

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24 gas station stops this year

About 2 stops a month

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🔄

4 active subscriptions

And I know exactly what each one costs me

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📈

My biggest spending month: Jun '26

1.6x my typical month

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