Insights
AI-powered financial health analysis · Jan–Mar 2026
Health Score
72/100
Grade B
Income (3mo)
$15,450.00
Spending (3mo)
$12,055.42
Savings Rate
21.9%
Health Score Breakdown
Consistent income
Regular salary + freelance: 3 months of stable deposits detected.
Good savings rate
Saving 22% of income on average — above the 20% recommended threshold.
Subscription overload
7 streaming & digital subscriptions at $91.93/mo. Some likely overlap.
Housing cost in check
Rent ($1,350) is 27% of monthly income — within the recommended 30% cap.
Dining out frequency
Food & Dining grew 12% month-over-month — now your 3rd largest category.
Next Month Prediction
Confidence: high · Stable salary pattern detected. Recurring bills are predictable. Freelance excluded from estimate.
Income
$4,200.00
Spending
$3,850.00
Net
$350.00
Known upcoming charges:
Saving Recommendations
Cancel one of the three video services (Netflix, Hulu, Disney+)
All three overlap heavily — rotating monthly saves $18-32/mo.
+$17.99/mo
easyReduce dining out by one visit per week
At current rate ($313/mo), a 25% reduction saves ~$45/mo.
+$45.00/mo
mediumUse cash-back card for groceries
2% on $1,226/mo groceries ≈ $25/mo with no habit change.
+$25.00/mo
easyShop insurance rates annually — loyalty discounts often don't apply
Comparison shopping typically yields 10-15% savings.
+$15.00/mo
easyUnusual Spending
Valentine's dinner at Nobu
3.5× your average dining transaction this quarter
Nordstrom shopping spree
Highest single shopping charge of the quarter
Best Buy purchase
Above your typical shopping average of $65/txn
Top Spending Categories
February dining out spiked 35% due to Valentine's Day dinner at Nobu.
Grocery spending increased 9% in March vs. January.
No travel expenses detected this quarter — potential savings redirected.