A
SAVINGS RATE
86/100
Strong automatic savings vs. take-home; raises should continue to route before spend adjusts.
Financial narrative
Your cash flow tells a story of someone who already respects automation — paycheck splits and round-ups show up in the rhythm of your month.
Where friction appears is not discipline but density: a few overlapping subscriptions and occasional food-week spikes, not structural overspending.
The next chapter is selective optimization — one lever at a time — so compounding stays boring in the best way.
Five dimensions
B
SPENDING CONTROL
74/100
Discretionary is bounded; occasional category spikes are timing, not habit.
B
INVESTMENT HABIT
71/100
Contributions exist; consider increasing by 1% when cash buffer is above target.
A
EMERGENCY BUFFER
82/100
Multiple months of essentials covered — good foundation for modest risk assets.
C
SUBSCRIPTION AWARENESS
62/100
Overlapping services detected — easy wins without touching core lifestyle.
YOUR HIGHEST LEVERAGE MOVE RIGHT NOW
Pause one subscription for 60 days
Pick the streamer or app you used least in the last month. Pause — do not cancel yet — and route that amount to savings. Revisit on day 61 with data, not guilt.
On your radar
Three signals worth watching this week — grounded in your last 90 days of activity.
Food week variance
Two weeks drove most of dining spend — batch cooking could smooth the line.
Subscription overlap
Similar streaming tiers detected — pick a primary and pause the rest for one quarter.
Cash drag
Checking balance is high vs. monthly burn — sweep excess to yield-bearing savings.
Overview
Overall
$20,521 (Net balance $20,521)
Net balance
$4,120
Monthly spend
88%
Savings rate
Food and Drink
Top category
Accounts
| Account | Type | CCY | Balance |
|---|---|---|---|
| Everyday Checking | depository · checking | USD | $8,421 |
| High-Yield Savings | depository · savings | USD | $12,100 |
Spending by category
| Category | 90-day total |
|---|---|
| Food and Drink | $1,120 |
| Shops | $890 |
| Travel | $340 |
| Entertainment | $210 |
| Transfer | $0 |
Recent transactions
Last 5 in view · newest first
| Date | Description | Category | Amount |
|---|---|---|---|
| May 28, 2025 | Whole Foods Market | Food and Drink | −$87 |
| May 26, 2025 | Netflix | Entertainment | −$16 |
| May 25, 2025 | Direct Deposit — Employer | Transfer | $3,250 |
| May 22, 2025 | Uber Trip | Travel | −$24 |
| May 20, 2025 | Amazon | Shops | −$63 |
Spending DNA
The Optimizer
THE OPTIMIZER
- Automates before debating
- Optimizes categories, not people
- Treats volatility as signal, not drama
You like systems that quietly compound — automation, round-ups, and spreadsheets that actually get opened.
Strength
You spot inefficiencies before they become leaks.
Weakness
Analysis can crowd out quick wins that are good enough.
Your move
Pick one category this month and only optimize that — ignore the rest.
Lessons for you
Swipe to see more
The 48-hour cart
3 min
Non-essential purchases over a threshold wait two days.
Subscription audit
5 min
List every recurring charge.
Raise routing
6 min
When income bumps, send 50% of the net increase to savings before spending adjusts.