A
91 / 100
Up 8 pts on your average
You kept 44% of what came in.
Excellent. There is very little here to fix.
Savings rate
44% of income kept
Essentials
32% of income
Wants
22% of income
01
Money flow
What came in, what went out, and how your balance moved through the period.
What changed
$1,662
more spent than in Aug 2026 (+28%)
Category | Aug 2026 | Sep 2026 | Change |
|---|---|---|---|
Travel British Airways +$642, Hotel Monge Paris FR +$498 | $0 | $2,062 | +$2,062 |
Shopping Amazon -$184, Target -$116 | $686 | $303 | -$383 |
Transport Uber -$99 | $189 | $91 | -$98 |
Health CityMD +$75 | $42 | $131 | +$89 |
Dining Uber Eats -$118, Sweetgreen -$61 | $568 | $494 | -$74 |
Sent to people Venmo +$69 | $40 | $109 | +$69 |
02
Where it went
Every debit sorted by category and merchant, then measured against the 50 / 30 / 20 rule.
Spending breakdown
50 / 30 / 20 budget
50
Needs
32%
$4,363
30
Wants
22%
$2,920
20
Savings
44%
$5,946
Other spending
1%
$196
Top merchants
#1
Avalon Communities
$3,350
#2
British Airways
$642
#3
Hotel Monge Paris FR
$498
#4
TAP Air Portugal
$468
#5
Casa Do Principe Lisboa PT
$312
#6
Amazon
$278
#7
Whole Foods Market
$190
#8
Uber Eats
$186
#9
Trader Joe's
$160
#10
Eurostar
$142
#11
GEICO
$128
#12
Venmo
$109
#13
Con Edison
$87
#14
Verizon
$85
#15
Xfinity
$80
03
How you spend
Which days cost the most, the places you keep going back to, and time away.
Most expensive days
Tuesdays cost you the most: $146 on an average Tuesday, against $51 on other days.
Avg $45
Mon
Avg $146
Tue
Avg $23
Wed
Avg $20
Thu
Avg $50
Fri
Avg $86
Sat
Avg $79
Sun
Everyday spending only. Bills and one-off big purchases are left out.
Trips
Lisbon, Portugal
9–11 Sept, 4 payments
$828
London, United Kingdom
3–5 Sept, 4 payments
$730
Paris, France
6–9 Sept, 4 payments
$711
Counted from payments that show where they were made, so the real total can be higher.
Travelling often? An eSIM usually costs less than roaming. 
Get a travel eSIM
Habits
Uber Eats
4 visits · about $46 each
$186
Starbucks
7 visits · about $7 each
$47
04
What to act on
The findings worth doing something about.
Insights
Your Spending Score of A and 44.3% savings rate are excellent, with $800.00 also moved into savings or investments. A few small recurring charges and some travel-related costs are the main places to trim.
01
Ask your bank to refund the $61.27 foreign transaction fee
You were charged $61.27 in foreign transaction fees on one purchase, which is worth querying with your bank or switching to a card that waives these fees.
02
Consider cancelling your OpenAI subscription
Save $240/yr
At $20.00 a month, this costs $240.00 a year, the highest of your recurring charges. If you are not using it regularly, cancelling would save the full amount.
Save $240/yr
03
Think about dropping Netflix
Save $186/yr
Netflix costs $15.49 a month, or $185.88 a year. Pausing it and rotating in Spotify or Prime content instead could save you that amount.
Save $186/yr
04
Try cooking more instead of ordering Uber Eats
You placed 4 Uber Eats orders totalling $185.59, about $46 each. Swapping half of them for home-cooked meals would save around $93 over the same period.
05
Look at a Starbucks routine that costs less
You visited Starbucks 7 times for $47.46 in total. Making coffee at home for half of those visits would save roughly a quarter of that spend, with little effort.
06
Consider bundling or trimming your Amazon spending
Save $180/yr
Amazon took $277.96 across 3 transactions, on top of $14.99 a month for Prime ($179.88 a year). If you are not using Prime shipping and video often, dropping it would save $179.88 a year.
Save $180/yr
Recurring charges
$750
a year across 4 charges
1st
8th
15th
22nd
31st
Merchant | Every | Last charged | Amount | A year |
|---|---|---|---|---|
OpenAI | Monthly | 17 Sept | $20 | $240 |
Netflix | Monthly | 4 Sept | $15.49 | $186 |
Amazon Prime | Monthly | 12 Sept | $14.99 | $180 |
Spotify | Monthly | 9 Sept | $11.99 | $144 |
Found from repeated charges, and from known subscriptions seen once. Check before cancelling anything.
Things to watch
Large one-off payments
British Airways
3 September
$642
Hotel Monge Paris FR
9 September
$498
TAP Air Portugal
11 September
$468
Tax deduction finder
$205
may be tax deductible
Medical
2 payments: Citymd Urgent Care, Walgreens
$101
Urgent care and pharmacy costs may count as medical expenses if they exceed the income threshold.
Education and exams
1 payment: Coursera
$59
Online courses may be deductible if they maintain or improve skills needed in your current job.
Donations
1 payment: American Red Cross
$25
Contributions to a registered charity may be deductible if you itemize and keep a receipt.
Software and subscriptions
1 payment: Openai *Chatgpt Subscr
$20
AI tool subscription may be deductible if used for work and not reimbursed by your employer.
An estimate from your statement descriptions, not tax advice. Check with an accountant before claiming anything.
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