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 AI-powered Financial X-Ray report.
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
+2200 €
↑ 132%
Spending pace
112% ⚠️
Savings rate
42%
Income
42 000 €
Expenses
33 500 €
Savings
8700 €
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
Kvě 25
+3800 €
Worst month
Čvc 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% pod cílem
1000 €
25%
-5% pod cílem
870 €
16%
-4% pod cílem
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
ZAHRADNICTVÍ
+1055% above average
zahradnitechni
+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%. Zvažte rychlejší splácení.
+10 pointsAI Financial X-Ray
Claude Sonnet 4 analyzes your complete financial data — income, expenses, savings, investments, debts — and generates a personalized report with strengths, areas to improve, and specific recommendations.
AI Financial X-Ray
Powered by Claude Sonnet 4
✅ Strengths
Výborně! Spoříte více než 20% příjmů.
⚠️ Areas to improve
DTI poměr 20%. Zvažte refinancování.
💡 Recommendations
Zvažte investování přebytečné hotovosti do aktiv přebíjejících inflaci.
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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