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Free Spending Analyzer

Category totals linked to their sourceThe upload groups source transactions and suggests categories, allowing you to check each total before placing it in the analyzer below.

Private automated processing: This spending review cannot be indexed by search engines and expires in 30 minutes. Check categories, transfers, refunds, and whether the period is complete before using any total. Review current limits and pricing.

Add totals for each category to identify the main concentrations in monthly spending. Everything is calculated in your browser and cannot replace analysis of a verified statement.

  • Uses totals you enter
  • Ranks category concentration
  • Tests one reduction scenario
  • Stores nothing on the server

Build a category map for one period

Use one reconciled month or statement cycle. Enter category totals after excluding confirmed transfers and correcting refunds or reversals.

Read concentration before judging it

A large category shows where the entered money went. It does not show whether the cost was avoidable, excessive, or suitable for another household.

Fictional transaction entries next to a paper category map with one dominant share of monthly spending
The source visual separates statement rows from the category map so each total remains traceable.
Period first
Mixing an annual premium with one month of food makes the comparison uneven. Convert irregular costs only when the planning question requires a monthly reserve.
Definition second
Keep merchant and category rules stable between periods. A changed rule can look like changed behavior.
Scenario last
Test a change only after identifying a category that is actually adjustable. The result shows a mathematical difference, not a guaranteed outcome.

How the spending analyzer calculates category share

The worksheet adds the positive category amounts you enter, divides each category by that total, and ranks the six largest shares. It does not infer categories or retrieve account data.

  1. Total entered spending

    Every positive category amount is added once. Blank fields and zero values are ignored, and transfers should be excluded only after you confirm both sides belong to you.

  2. Category share

    Each category amount is divided by total entered spending and multiplied by 100. The percentages describe this input set, not your complete financial position.

  3. Largest categories

    Categories are ordered from the highest entered amount to the lowest. A high share is a review signal, not proof that the category is excessive or avoidable.

Spending analyzer example

Suppose one complete month contains $1,200 for housing, $450 for groceries, and $250 for transport. Entered spending totals $1,900. The category shares are 63.2%, 23.7%, and 13.2%, subject to rounding.

What can change the spending result

The calculation is only as complete and consistent as the amounts entered. Check period coverage and classification before comparing one result with another.

Incomplete period

A partial statement cycle can omit rent, payroll timing, annual charges, or late-posting transactions and create an unrepresentative category mix.

Changing category rules

Moving the same merchant between groceries, restaurants, and other spending can create an apparent trend even when the transactions did not change.

Missing payment sources

Cash purchases and spending from another card or account are outside the result unless you add them from a verified record.

Continue from the question raised by the map

Use a category method, period comparison, or monthly plan only when it answers the next question in your review.

Before comparing category shares, apply the bank transaction categorization method so the same merchant and transfer rules are used in every period.

Need the transaction evidence behind the totals?

Use the statement analyzer to review source rows, categories, recurring candidates, balance checks, and data-quality warnings.

Analyze a statement for free