Analyse your own statements

Financial overview

Your money, decoded

Six months of transactions, distilled into what matters. Apr 26 – Sept 26.

Savings rate

21.2%

5.3%vs early period

Monthly surplus

₹39k

average after eligible spending

Emergency runway

3.2 months

of essential spending

Discretionary spending

32.3%

of monthly income

Your salary's journey

Average month, after removing internal transfers and card bill duplication

Income

₹1.85 L

Fixed commitments

₹86k

46.4% of income

Flexible spending

₹60k

32.3% of income

Surplus

₹39k

21.2% of income

Financial health

Transparent score from five cash-flow signals

out of 100

On solid ground

Your savings habit is healthy. Discretionary growth is the biggest opportunity.

Savings rate71/100

Emergency runway54/100

Fixed commitment load51/100

Spending stability78/100

Recurring load0/100

Where it went

Average monthly spending

View analysis

Rent & Housing

₹42k

28.9%

EMIs & Loans

₹28k

19.2%

Food Delivery & Dining

₹13k

9.1%

Groceries & Essentials

₹12k

8.2%

Shopping

₹9.1k

6.3%

Travel & Holidays

₹8.9k

6.1%

What deserves your attention

Ordered by likely monthly impact, not by judgement

5.4% spending growth

Travel & Holidays is the biggest driver versus your baseline months.

19 recurring charges detected

They annualise to ₹10,31,866. Every charge is listed with confidence.

236 purchases below ₹500

Together they reached ₹70,917 in six months.

Potential

₹10,150 / month

from your top three personalised actions

Build plan

Credit-card repayments and 11 self-transfers were detected and excluded to prevent double-counting.