Insights
Detailed analysis and trends
Today
Safe to spend
(1.233,99)
Critical
12.901,05 committed over the next 30 days
Open bills exceed today's balance
Emergency fund
0.8 months
Critical
Target for your income (varies 3%): 3.0 months
Average monthly expenses: 14.402,67
Budget pace
93%
Critical
At the current pace, you overrun around day 28
65% of the month elapsed · highest usage: HOUSING (100%)
Patterns
Savings rate
+1.7%
Watch
12-month average: +0.8%
Income minus outflows, over income
Average spend (burn)
14.385,42/mo
Healthy
Change vs 12m average: (1%)
12-month average: 14.484,06
Month atypicality
0 groups
Healthy
No group out of pattern
All groups within their historical median
Fixed commitment
41%
Healthy
5.931,64/month in recurring bills
Reference: up to 50% of average income
Recurring load
5.931,64/mo
17 bills
71.179,68 per year
41% of your average income
Overdue bills
2
Watch
127,53 outstanding · lateness costs ~2,70
Oldest: 4 days late
Projections
Projected balance
12 days
Critical
Checking Account is projected to go negative around Sep 1, 2026
Considers open bills and your average daily spending
Projected month end
15.991,39
Critical
Historical band (12m): 14.148,41 – 14.953,98
Booked: 13.385,87 · estimated diffuse: 2.605,52
Cash runway
+248,32/mo
Healthy
No burn — you save at the current pace
Average of the last 6 closed months