MonthYearCompare

Monthly Briefing

Headlines · what to look at first
  • chipotle: $360.00 is significantly larger than typical transactions for this merchant.
  • blue bottle coffee: $285.00 is much higher than the usual amount for this merchant.
  • netflix: $17.99 reflects a subscription price increase of $2.50.
  • youtube premium: $11.99 reflects a subscription price decrease of $2.00.
generated 2026-05-29T18:56:02

Deterministic stats

Budgets

Spend vs. monthly target by category. under near at over · pace normalizes to the fraction of the month elapsed: >100% means you'd exceed the budget if the rest of the month matches today's run-rate.

CategorySpentBudget%ProgressStatusPace
coffee$369.96$80.00462% +$289.96
OVER512%
shopping$1,279.25$800.00160% +$479.25
OVER177%
restaurants$1,050.38$700.00150% +$350.38
OVER166%
groceries$804.83$800.00101% +$4.83
OVER111%
utilities$317.60$325.0098%
NEAR108%
subscriptions$68.96$80.0086%
NEAR95%
health$60.48$75.0081%
NEAR89%
household_goods$374.79$500.0075%
UNDER83%
transportation$233.46$350.0067%
UNDER74%
personal_care$62.86$100.0063%
UNDER70%
entertainment$37.73$100.0038%
UNDER42%

Spend by category

Top txn = single largest transaction in this category this month. Δ% ex-top compares (spend − top txn) to the T12 average — i.e. what the change would look like with that one purchase removed. Populated only for categories that increased by more than 50% vs T12 average.

CategorySpendT12 avgΔ%Top txnΔ% ex-topTxns
rent$2,850.00$2,850.00+0.0%——1
shopping$1,279.25$744.69+71.8%$540.00
best buy		-0.7%9
restaurants$1,050.38$726.42+44.6%——13
groceries$804.83$743.62+8.2%——7
household_goods$374.79$469.12-20.1%——3
coffee$369.96$65.04+468.8%$285.00
blue bottle coffee		+30.6%13
utilities$317.60$303.46+4.7%——3
education$261.32$303.39-13.9%——3
transportation$233.46$312.63-25.3%——7
uncategorized$202.18$44.22+357.2%$124.73
sq vendor		+75.1%2
subscriptions$68.96$68.54+0.6%——6
personal_care$62.86$63.10-0.4%——1
health$60.48$35.37+71.0%$60.48
cvs pharmacy		-100.0%1
Total (shown)$7,936.07$6,729.60———69

Spending pace

Cumulative spend by day-of-month. The shaded band is the p25–p75 of the trailing 6 months; the dashed line is the median. The bold blue line is the briefing month.

Overall

$0$3,333$6,667$10,0001714212831$8,013

restaurants

$0$667$1,333$2,0001714212831$1,050

coffee

$0$167$333$5001714212831$370

transportation

$0$167$333$5001714212831$233

shopping

$0$667$1,333$2,0001714212831$1,279

groceries

$0$333$667$1,0001714212831$805

Top merchants

MerchantSpendTxns
oakwood apartments$2,850.001
best buy$540.001
chipotle$443.702
amazon$344.133
blue bottle coffee$311.225
target$283.374
zelle to tutor$261.323
kroger$241.302
safeway$223.032
sushi house$218.624

Uncategorized merchants this month

Pick a category for each merchant and click Apply. Requires finances serve running in this directory — the page POSTs to its API, rewrites categories.yml, re-categorizes the warehouse, and reloads.

Last seenMerchantSpendTxnsCategory
2026-05-14sq vendor$124.731
2026-05-14paypal misc$77.451
Merchants this month (43)

Change a merchant's category to update the rule in categories.yml. The category shown is what the merchant rule says — individual rows may still be pinned to something else by a per-row override (managed from the All Transactions table below).

MerchantSpendTxnsCategory (rule)
oakwood apartments$2,850.001
best buy$540.001
chipotle$443.702
amazon$344.133
blue bottle coffee$311.225
target$283.374
zelle to tutor$261.323
kroger$241.302
safeway$223.032
sushi house$218.624
costco$196.311
house cleaning$160.001
olive garden$145.642
pg and e$142.611
the container store$129.791
sq vendor$124.731
nike$111.751
panera bread$101.332
trader joes$100.151
verizon wireless$95.001
chevron$90.892
arco$88.512
lawn care$85.001
comcast xfinity$79.991
local bistro$77.711
paypal misc$77.451
venmo$63.382
massage envy$62.861
cvs pharmacy$60.481
bart$46.812
farmers market$44.041
planet fitness$39.001
steam$37.731
philz coffee$27.774
chatgpt plus$20.001
corner cafe$18.672
netflix$17.991
starbucks$12.302
spotify$11.991
youtube premium$11.991
street parking$7.251
the new york times$4.001
icloud$2.991
All transactions (75) — 2 excluded

Edit the Merchant cell to rename it everywhere (preview before applying). Change the Category dropdown and click Apply to recategorize. Click Exclude to drop a single transaction from every aggregation. All three require finances serve running.

All categories
DateNameMerchantAmountCategoryAccountFlag
2026-05-01oakwood apartmentsoakwood apartments$-2,850.00chase_autopay
2026-05-02zelle to savingszelle to savings$-1,500.00chase_autopay
2026-05-06united airlinesunited airlines$-612.00amex_platinum
2026-05-27best buybest buy$-540.00chase_sapphire
2026-05-20chipotlechipotle$-360.00amex_platinumLARGE
2026-05-12blue bottle coffeeblue bottle coffee$-285.00chase_sapphireLARGE
2026-05-19costcocostco$-196.31chase_sapphire
2026-05-04amazonamazon$-167.22chase_sapphire
2026-05-06house cleaninghouse cleaning$-160.00cash
2026-05-09krogerkroger$-153.10amex_platinum
2026-05-20pg and epg and e$-142.61chase_autopay
2026-05-06amazonamazon$-136.52chase_sapphire
2026-05-11the container storethe container store$-129.79chase_sapphire
2026-05-14sq vendor 4471sq vendor$-124.73chase_sapphire
2026-05-24targettarget$-116.02amex_platinum
2026-05-02safewaysafeway$-115.97chase_sapphire
2026-05-05nikenike$-111.75chase_sapphire
2026-05-21targettarget$-109.07chase_sapphire
2026-05-23safewaysafeway$-107.06amex_platinum
2026-05-16trader joestrader joes$-100.15chase_sapphire
2026-05-03zelle to tutorzelle to tutor$-96.33chase_autopay
2026-05-24verizon wirelessverizon wireless$-95.00chase_autopay
2026-05-28krogerkroger$-88.20chase_sapphire
2026-05-12lawn carelawn care$-85.00cash
2026-05-26chipotlechipotle$-83.70amex_platinum
2026-05-20zelle to tutorzelle to tutor$-83.66chase_autopay
2026-05-27sushi housesushi house$-83.31amex_platinum
2026-05-11panera breadpanera bread$-82.93chase_sapphire
2026-05-09zelle to tutorzelle to tutor$-81.33chase_autopay
2026-05-09targettarget$-80.88chase_sapphire
2026-05-05comcast xfinitycomcast xfinity$-79.99chase_autopay
2026-05-17local bistrolocal bistro$-77.71amex_platinum
2026-05-14paypal miscpaypal misc$-77.45chase_sapphire
2026-05-02olive gardenolive garden$-75.54chase_sapphire
2026-05-18olive gardenolive garden$-70.10chase_sapphire
2026-05-11sushi housesushi house$-67.14chase_sapphire
2026-05-21massage envymassage envy$-62.86amex_platinum
2026-05-06cvs pharmacycvs pharmacy$-60.48chase_sapphire
2026-05-09amazonamazon$-54.30chase_sapphire
2026-05-07sushi housesushi house$-53.76chase_sapphire
2026-05-02chevronchevron$-52.15chase_sapphire
2026-05-10arcoarco$-50.21chase_sapphire
2026-05-16farmers marketfarmers market$-44.04cash
2026-05-03venmovenmo$-41.67overridechase_autopay
2026-05-18amazonamazon$-40.39chase_sapphire
2026-05-14planet fitnessplanet fitness$-39.00chase_sapphire
2026-05-22chevronchevron$-38.74chase_sapphire
2026-05-27arcoarco$-38.30chase_sapphire
2026-05-13steamsteam$-37.73chase_sapphire
2026-05-12bartbart$-30.45chase_sapphire
2026-05-26venmovenmo$-21.71overridechase_autopay
2026-05-22chatgpt pluschatgpt plus$-20.00chase_sapphire
2026-05-28panera breadpanera bread$-18.40amex_platinum
2026-05-07netflixnetflix$-17.99chase_sapphire↑ PRICE
2026-05-20bartbart$-16.36chase_sapphire
2026-05-21sushi housesushi house$-14.41chase_sapphire
2026-05-11spotifyspotify$-11.99chase_sapphire
2026-05-09youtube premiumyoutube premium$-11.99chase_sapphire↓ PRICE
2026-05-16corner cafecorner cafe$-9.63chase_sapphire
2026-05-04corner cafecorner cafe$-9.04chase_sapphire
2026-05-01philz coffeephilz coffee$-8.18chase_sapphire
2026-05-20starbucksstarbucks$-7.42chase_sapphire
2026-05-14philz coffeephilz coffee$-7.39chase_sapphire
2026-05-02blue bottle coffeeblue bottle coffee$-7.35amex_platinum
2026-05-20street parkingstreet parking$-7.25cash
2026-05-17blue bottle coffeeblue bottle coffee$-7.21chase_sapphire
2026-05-02philz coffeephilz coffee$-6.38amex_platinum
2026-05-28blue bottle coffeeblue bottle coffee$-6.25chase_sapphire
2026-05-08philz coffeephilz coffee$-5.82amex_platinum
2026-05-12blue bottle coffeeblue bottle coffee$-5.41amex_platinum
2026-05-21starbucksstarbucks$-4.88chase_sapphire
2026-05-18the new york timesthe new york times$-4.00chase_sapphire
2026-05-03icloudicloud$-2.99chase_sapphire
2026-05-25targettarget$22.60chase_sapphire
2026-05-15acme corp payrollacme corp payroll$6,850.00chase_autopay

Analyst commentary

LLM skipped — --no-llm flag.

Generated 2026-05-29T19:45:45 · model: gemma-4-26b-finances