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Insights

The Insights page surfaces patterns and summaries computed from your bank-connected transactions (Plaid and Financial Connections sources; manually added transactions are not included).

It is designed for people who want a fast financial pulse without building their own spreadsheets: month-to-date spend, savings rate, net worth trend, recurring subscription detection, a year-long spending heatmap, top merchants, top categories, and a 12-month cashflow chart, all in one scrollable view.

Insights respect the active scope set in the scope switcher. Personal filters out business-classified rows; a specific business shows only that business's transactions. The Net worth card is the exception: it shows assets minus liabilities across all your linked accounts regardless of scope. If no matching transactions exist, a prompt to link an account is shown instead.

How to

Read the hero stat cards

Open Insights. The four cards at the top update with animated counters.
Month-to-date spend shows total outflows since the first of the current month, with an arrow and percentage comparing it to last month.
Savings rate is (MTD income − MTD spend) / MTD income, capped between 0 % and 100 %.
Transactions this month is a count of all linked-account transactions in the current calendar month.
Top merchant MTD shows the merchant with the highest total outflow so far this month.

Review detected subscriptions

Scroll to the Recurring subscriptions card. The subtitle shows the number detected, the combined monthly cost, and a 'See all upcoming bills' link to the Bills page. The total at top right is the projected cost this year.
Each row shows the merchant name, monthly charge, number of charges detected, and the date of the last charge, with the projected yearly cost on the right. The card lists up to 12 subscriptions.
Subscriptions costing $5.00 or more per month display a REVIEW chip. Click REVIEW to open a modal listing every detected charge date and amount for that merchant.
In the modal, verify the charges are really a recurring subscription. Click Open in Transactions to go to the Transactions page, where you can search for the merchant. Click Done to close the modal.

Interpret the spending heatmap

Scroll to the Spending heatmap card. Each cell represents one day in the past 12 months.
Cell color intensity indicates relative daily spend: no color means no spend; faint purple is low; brighter purple is higher; a bright pink glow marks the highest-spend days.
Hover any cell to see a tooltip with the date and total amount spent that day.

Read top merchants and categories

Scroll to the side-by-side Top merchants and Spending by category cards.
Top merchants ranks the top 8 by all-time spend. Each row shows a logo or initial, transaction count, a relative bar, and total spend. A ▲ or ▼ trend badge appears when this month's spend differs from last month's by 5 % or more.
Spending by category ranks the top 8 categories tagged on your transactions by total spend, with the same bar-and-count layout.

Read the 12-month cashflow chart

Scroll to the 12-month cashflow card at the bottom.
Each month column has two bars: a green bar for income and a purple bar for spending, scaled relative to the highest value across the 12 months.
Hover any column to see a tooltip with the month label, total income, and total spending.

Reference

Month-to-date spend (MTD): Total outflows (negative-amount transactions) from the first of the current calendar month through today, across all transactions in the active scope.
Savings rate: Calculated as max(0, min(100, (MTD income − MTD spend) / MTD income × 100)). Labeled 'On track' at 20 % or more, 'Decent — aim for 20%' at 10 % or more, and 'Watch closely' below 10 %.
Net worth card: Shows the latest snapshot of assets minus liabilities across all linked accounts (with Assets and Liabilities totals), and the change since the oldest snapshot in the last 180 days. A line chart appears once two or more daily snapshots exist; with one snapshot the card says the trend builds as you check in. The chart is green when net worth has grown, red when it has declined. It is not filtered by scope.
Subscription detection: A merchant is flagged as a recurring subscription when it has three or more charges, at least two consecutive charges are 25–35 days apart, and the amount varies by no more than $1.00 between charges. Detected subscriptions are sorted by projected annual cost.
REVIEW chip: A yellow badge shown on subscription rows where the monthly amount is $5.00 or more. Clicking it opens the review modal, which lists every detected charge. Its Open in Transactions button goes to the Transactions page; it does not pre-filter to that merchant.
Heatmap intensity: Cell shading scales with that day's spend relative to the highest-spend day in the last 12 months: faint for low spend, brighter purple as it rises, and a bright pink glow for the busiest days. Empty cells have no spend recorded. A Less-to-More legend sits under the grid.
Month-over-month trend badge: A ▲ (red) or ▼ (green) badge shown on merchant rows in Top merchants when the difference between this month's spend and last month's spend is 5 % or greater. Up arrows are red (higher spend); down arrows are green (lower spend).
12-month cashflow: A bar chart covering the trailing 12 calendar months. Each month shows two adjacent bars — green for income (positive-amount transactions) and purple for spending (negative-amount transactions). Bar heights are proportional to the single highest value across all bars.