2025 spending dropped to $109k
Spending fell ~$3.0k to $109k (from $111k in 2024), driven by loan payment -$23k and shopping +$8.2k and childcare +$7.5k.
Spending
Where the money goes
Categories, recurring costs, and earned-vs-spent-vs-invested — from your connected accounts.
Live · 16 accts · synced 56d ago
Spending insights
Generated just now · over your full spending history
Shopping surged (+100%)
Shopping jumped +$8.2k year-over-year, reaching $16k in 2025.
Loan payment discipline is a clear win
Loan payment fell $23k year-over-year — the biggest offset to rising costs.
Frequent spend · 2026
The names behind the biggest lines this year.
- Card Payment20 transactions · $508 avg$10.2K
- Apex Auto Finance9 transactions · $670 avg$6K
- Summit Home Servicing3 transactions · $1,117 avg$3.4K
- Intl Family Transfer4 transactions · $738 avg$3K
- Urban Mercantile32 transactions · $90 avg$2.9K
- Cornerstone Lending3 transactions · $721 avg$2.2K
- Brightline Savingssavings$11,300
- Total Checkingchecking$3,670
- Free Checkingchecking$2,560
- Primary Savingssavings$830
- Primary Savingssavings$750
- Harbor Savingssavings$740
- Brightline Checkingchecking$340
- Free Checkingchecking$320
- Wallet Cashsavings$54
Checking & savings across every connected bank.
- Cedar Hollow mortgage2.875% · $1,370/mo$204,000
- Family car loan$470/mo$19,000
- Credit cards (combined)$1,180
Incl. the home mortgage Plaid can't see.
- Summit Home Servicingmonthly$1,177/mo$1,160 ×3
- Apex Auto Financemonthly$873/mo$860 ×29
- Intl Family Transfermonthly$812/mo$800 ×21
- Bright Beginnings Daycareweekly$665/mo$153 ×15
- Skyline Airbiweekly$207/mo$95 ×9
- Anchor Insurancebiweekly$97/mo$45 ×6
- Noodle Housebiweekly$68/mo$32 ×6
- The Corner Bistroweekly$57/mo$13 ×11
- ParkSmartmonthly$16/mo$16 ×3
- CarePoint Pharmacyquarterly$16/mo$47 ×4
Detected from your full history — India family support (Continental/Remitly/Zelle), the home loan, subscriptions. $47,844/yr.
Earned vs spent vs invested
Earned
$40,327
Spent (real)
$49,027
Wealth-building
$0
Net saved
-$8,700
Wealth-building = brokerage + gold + India-flat payments. Internal account moves & the visa-sponsor pass-through are excluded.
Spending over time
▬ earned (above) · ▬ spent · ▬ wealth-building (below) · tap a bar to focus
Trends
Money in vs out over time
Earned vs real spending vs wealth-building (brokerage + gold + the India flat), per period. Internal transfers excluded.
EarnedSpentWealth-building
Monthly burn trend
Real monthly spending, last 24 months. Dashed line = your typical burn (median $8,887/mo). Amber dots = spike months above $13,331.