Understand your finances deeply
Go beyond simple charts. 8 analytics tabs covering cash flow, spending categories, savings rate, 90-day forecasts, spending patterns, financial health score 0-850, and an AI review of your finances.
Complete Financial Overview
Key metrics at a glance — cash flow, spending pace, savings rate, emergency fund, and net worth. Know your financial situation in seconds.
Cash flow
+€2,200
↑ 132%
Spending pace
112% ⚠️
Savings rate
42%
Income
€42,000
Expenses
€33,500
Savings
€8,700
Savings rate
20.6%
Emergency fund
4.9 months
✓ SafeNet worth
€322,000
Cash Flow Analysis
Monthly income vs expenses chart with cumulative cash flow. See your best and worst months, compare monthly performance, and track where your money goes over time.
Monthly income & expenses
Best month
May 25
+€3,800
Worst month
Jul 25
-€920
50/30/20 Rule & Expense Structure
Automatic classification of your expenses into needs, wants, and savings. See fixed vs variable costs, how flexible your spending is, and inflation impact on your cash.
50/30/20
29%
-21 % Below target
€1,000
25%
-5 % Below target
€870
16%
-4 % Below target
€570
Fixed vs Variable
ExcellentInflation impact
Your liquid savings
€14,000
Loss per year
-€410
Spending Patterns & Anomalies
Latte Factor reveals small recurring costs that add up. Seasonal patterns show when you spend most. Day-of-week analysis and anomaly detection catch unusual transactions.
☕ Latte Factor
Apple
3.3x/m · ø €10
€480
T-Mobile
1.0x/m · ø €25
€270
McDonald's
1.7x/m · ø €9
€170
Day of week
⚠️ Anomalies
GARDEN CENTRE
+1055% above average
garden-equipment
+1246% above average
Financial Health Score 0-850
Comprehensive assessment based on FHN, CFPB and FICO methodology. 7 components with individual scores. Grade from A+ to F. Tips on how to improve.
699
/ 850
B
Good financial health
💡 How to improve
DTI 20 %. Consider paying it down faster.
+10 pointsAI review
Claude analyzes your complete financial data — income, expenses, savings, investments, debts — and writes one personalized review with strengths, areas to improve, and specific recommendations. The review is saved: a preview on your dashboard, the full text in analytics. Paid from your AI credit — no Premium plan needed.
AI review
Powered by Claude
✅ Strengths
Excellent! You save more than 20 % of your income.
⚠️ Areas to improve
DTI ratio 20 %. Consider refinancing.
💡 Recommendations
Consider investing surplus cash into assets that beat inflation.
How it works
Analytics that work automatically from your data
Import Your Transactions
The more transaction history you have, the better the insights. Import via CSV, PDF, or automatic sync from 100+ banks via WBB.
Explore 8 Tabs
Each tab reveals a different aspect of your finances — from basic cash flow to advanced pattern detection and AI-powered analysis.
Act on Insights
Use the financial health score, spending patterns, and AI recommendations to make better decisions and improve your finances.
Ready to understand your finances?
Deep analytics that reveal what simple charts can't show.
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