Insights
Portfolio-style signal deck: income vs expense flow, category mass, recurring rhythm, and seeded smart narratives. Data from your local ledger only.
Read the ledger like a story — flows, habits, and where attention earns the most.
Derived from your local transaction store. No cloud analytics; visuals are handcrafted CSS, not chart widgets.
Liquidity
Income vs expense
Relative scale of inflows and outflows on the same axis — your net sits in the balance between them.
Flow composition
Width mirrors share of total absolute movement (income + spend).
Inflows
$9,155.73
Sum of income-tagged ledger lines.
Outflows
$2,848.10
Expense lines only (transfers excluded from spend).
Net over ledger
$5,807.63
Cash-flow net from all signed amounts (includes transfers).
Allocation
Category spending
A chromatograph strip shows how expense mass distributes; rows below add precision.
Housing
65.0% of spend
$1,850.00
Shopping
9.9% of spend
$281.65
Groceries
8.2% of spend
$232.30
Utilities
8.0% of spend
$228.54
Transportation
2.8% of spend
$79.53
Dining
2.6% of spend
$74.70
Health
2.6% of spend
$73.40
Entertainment
1.0% of spend
$27.98
Rhythm
Recurring expenses
Autopay and subscriptions surfaced from flagged recurring lines in your ledger.
Utilities
Cascade Water
$42.10
2026-03-06
Housing
Harbor Apartments — Rent
$1,850.00
2026-03-01
Entertainment
HBO Max
$15.99
2026-03-18
Utilities
Pacific Power
$108.44
2026-03-05
Entertainment
Spotify
$11.99
2026-03-17
Health
Studio North — Membership
$49.99
2026-03-16
Utilities
T-Mobile
$78.00
2026-03-23
Heuristics
Smart signals
Narrative hints seeded for the demo — swap copy or wire rules without touching chart libraries.
positive
Cash runway extended
Liquid checking + savings cover about 4.6 months of your modeled essential spend — up slightly from last month.
positive
Dining spend is calm
Restaurant and café charges are 18% below your trailing 90-day average for this point in the month.
neutral
Subscription creep check
You have three recurring entertainment charges; none increased in price this cycle.
caution
Shopping category pace
General shopping is at 70% of budget with a week left — worth a quick review before any big purchases.
caution
Credit utilization snapshot
Revolving balance ticked up after the REI charge; paying the card before statement close keeps scores happier.
info
Income stability
Payroll and small side inflows matched expectations; no duplicate deposits or missing splits detected.