01MTD
SPEND INCREASE
Spending increased
Your spending increased by $2,914 versus your normal level.
Review the top spending drivers before making next month's plan.
SECTION B—INSIGHTS
17 insights
worth your attention.
Each insight is generated deterministically from your transaction data. Severity reflects size and materiality, not judgment.
2026-02 · 17 shown
high
02MTD
CATEGORY DRIVER
Housing drove spending higher
Housing drove 45% of your spending increase this month, up $1,300 compared with your normal level.
Review housing merchants for one-time charges or behavior changes.
03MTD
MERCHANT DRIVER
Rent Payment increased Housing
Rent Payment added $1,300 above normal housing spend.
Confirm whether this was planned or a one-time charge.
04MTD
CATEGORY DRIVER
Savings / Investments drove spending higher
Savings / Investments drove 24% of your spending increase this month, up $700 compared with your normal level.
Review savings / investments merchants for one-time charges or behavior changes.
05MTD
NEW MERCHANT
New merchant: Vanguard Investment
New merchant this month: Vanguard Investment, $700 total spend.
Confirm whether this merchant should become part of your normal spending pattern.
06MTD
MERCHANT DRIVER
Vanguard Investment increased Savings / Investments
Vanguard Investment added $700 above normal savings / investments spend.
Confirm whether this was planned or a one-time charge.
07MTD
ANOMALY
Unusual charge at Vanguard Investment
Vanguard Investment was flagged: New merchant above threshold.
Review the transaction and confirm it is expected.
08MTD
CATEGORY DRIVER
Kids / Family drove spending higher
Kids / Family drove 16% of your spending increase this month, up $475 compared with your normal level.
Review kids / family merchants for one-time charges or behavior changes.
09MTD
MERCHANT DRIVER
Daycare Bright Kids increased Kids / Family
Daycare Bright Kids added $475 above normal kids / family spend.
Confirm whether this was planned or a one-time charge.
10MTD
NEW MERCHANT
New merchant: Costco Grocery
New merchant this month: Costco Grocery, $241 total spend.
Confirm whether this merchant should become part of your normal spending pattern.
11MTD
ANOMALY
Unusual charge at Costco Grocery
Costco Grocery was flagged: New merchant above threshold.
Review the transaction and confirm it is expected.
12MTD
NEW MERCHANT
New merchant: Ticketmaster Concert
New merchant this month: Ticketmaster Concert, $185 total spend.
Confirm whether this merchant should become part of your normal spending pattern.
13MTD
ANOMALY
Unusual charge at Ticketmaster Concert
Ticketmaster Concert was flagged: New merchant above threshold.
Review the transaction and confirm it is expected.
14MTD
NEW SUBSCRIPTION
New recurring charge: Coned Electric Utility
Coned Electric Utility now looks recurring at $168 quarterly.
Confirm whether this recurring charge should remain active.
15MTD
ANOMALY
Unusual charge at Doordash Restaurant
Doordash Restaurant was flagged: Much larger than category baseline.
Review the transaction and confirm it is expected.
16MTD
NEW MERCHANT
New merchant: Doordash Restaurant
New merchant this month: Doordash Restaurant, $74 total spend.
Confirm whether this merchant should become part of your normal spending pattern.
17MTD
SUBSCRIPTION PRICE CHANGE
Coned Electric Utility price increased
Coned Electric Utility increased by $25 to $168.
Decide whether to keep, downgrade, or cancel this subscription.