Monthly Review · March 2026

Hey Maya 👋

You're on track this month — spending is under budget and your savings rate is up. One bill is due in 3 days.

Net worth

$142,380

+$3,240 (2.3%) this month

Income (MTD)

$6,200

on plan

Spending (MTD)

$3,940

-8% vs avg

Savings rate

36%

+4 pts

Total debt

$18,600

-$540

Cash flow

Income vs spending · 6 months

Income Spending

Spending by category

March · $3,940

Housing$1,150

Food & dining$880

Transport$620

Shopping$540

Upcoming bills

Next 10 days

All bills

Rent Due Apr 1	$1,150	Due in 3d
Electricity Due Apr 6	$140	Scheduled
Netflix Due Apr 8	$15.99	Auto-pay

Financial Coach

Weekly check-in

Nice month — you saved $2,260 so far, a 36% rate. Dining is trending $120 over your budget though. Small tweak and you'd hit your Emergency Fund goal a month early.

Suggestion: move the extra $300 in checking into your Emergency Fund today — you'd cross 80% funded and still keep a full buffer.

Money

Accounts

All your linked accounts in one place. Balances refresh automatically via secure bank connections.

Cash

$14,820

Investments

$146,160

Credit & loans

-$18,600

Net worth

$142,380

Linked accounts

6 accounts · last synced 2 min ago

Account	Institution	Type	Last sync	Balance
Everyday Checking ···4821	Chase	Checking	2 min	$4,820
High-Yield Savings ···9930	Ally	Savings	2 min	$10,000
Brokerage ···1177	Fidelity	Investment	1 hr	$96,160
Roth IRA ···2049	Vanguard	Retirement	1 hr	$50,000
Sapphire Card ···5521	Chase	Credit	2 min	-$2,140
Student Loan ···8830	SoFi	Loan	1 day	-$16,460

Money

Transactions

Every transaction, auto-categorized. Edit a category once and we learn it for next time.

Merchant	Category	Account	Date	Amount

Money

Bills & Subscriptions

Recurring payments we've detected. We'll remind you before each one and flag price hikes.

Monthly recurring

$1,486

Subscriptions

11

Due this week

$1,290

Unused (90d)

2

Recurring payments

Bills & subscriptions

Payee	Category	Cadence	Next due	Amount
Rent	Housing	Monthly	Apr 1	$1,150
Electricity	Utilities	Monthly	Apr 6	$140	Scheduled
Netflix	Entertainment	Monthly	Apr 8	$15.99	Auto-pay
Gym membership	Health	Monthly	Apr 12	$49	Unused 90d
Mobile plan	Utilities	Monthly	Apr 14	$55	+$5 hike

Plan

Budgets

March budget by category. You've spent 71% of your total budget with 6 days to go.

Total budget

$4,500

Spent

$3,180

Remaining

$1,320

Category budgets

March 2026

Housing$1,150 / $1,200

Food & dining$880 / $760

$120 over budget

Transport$620 / $700

Shopping$540 / $600

Entertainment$210 / $400

Plan

Savings Goals

You're contributing $900/month across 4 goals. Emergency Fund is almost there!

78%funded

Emergency Fund

$7,800 of $10,000

+$400/mo · 6 mo left

44%funded

Japan Trip

$2,640 of $6,000

+$300/mo · Nov 2026

25%funded

New Car

$5,000 of $20,000

+$150/mo · 2028

10%funded

Home Down Payment

$6,000 of $60,000

+$50/mo · long-term

Wealth Assistant

Goal optimization

Your Emergency Fund earns 4.2% in the Ally account. If you redirect the $150/mo New Car contribution here for 2 months, you'd finish the emergency goal and only push the car goal back 6 weeks. Want me to schedule it?

Wealth

Investments

Your portfolio across brokerage and retirement accounts, with allocation and performance.

Portfolio value

$146,160

+$8,420 (6.1%) YTD

Allocation

Across all accounts

US stocks55%

Intl stocks25%

Bonds12%

Crypto & cash8%

Holdings

Top positions

Holding	Shares	Value	Cost basis	Gain/loss
VTI Total US Market	210	$62,400	$51,200	+21.9%
VXUS Total Intl	640	$36,800	$34,900	+5.4%
BND Total Bond	240	$17,500	$18,200	-3.8%
BTC Bitcoin	0.14	$9,460	$6,100	+55.1%

Wealth

Debt Management

Track balances and interest, and let the coach pick the fastest payoff path.

Total debt

$18,600

Avg. interest

9.2%

Monthly payment

$680

Debt-free by

Feb 2029

Your debts

Ordered by interest rate (avalanche)

Sapphire Card · 22.9% APR$2,140 / $2,140

Paying $300/mo · focus here first

Student Loan · 6.5% APR$16,460 / $28,000

Paying $380/mo · 41% paid off

Risk Monitor

Debt & cash-flow

Your credit utilization is healthy and payments are on time. The Sapphire Card's 22.9% APR is your most expensive debt by far.

Avalanche plan: put the extra $200/mo on the Sapphire Card. You'll clear it in 4 months and save ~$680 in interest vs minimum payments.

Insight

Reports

Ready-made reports for your monthly review, taxes, and net-worth tracking.

Monthly review

Income, spending, savings & net worth.

Income & expense

Cash-flow statement by category.

Net worth trend

Assets minus liabilities over time.

Spending breakdown

Where your money went, by category.

Investment performance

Returns, allocation & gain/loss.

Tax summary

Deductible categories & capital gains.

Insight

Analytics

Trends across your spending, saving and net worth so you can spot patterns early.

Spending trend by category

Last 6 months

Housing Food Transport

Savings rate

Trending up 👍

October24%

December29%

February32%

March36%

Avg. monthly spend

$4,020

Biggest category

Housing

Net worth growth (YTD)

+9.4%

Runway

6.1 mo

Insight

AI Finance Coach

Four assistants working quietly in the background — coaching, categorizing, growing and protecting.

Financial Coach

Personalized nudges, monthly reviews and plain-English money advice.

Expense Intelligence

Auto-categorizes transactions and spots unusual spending.

Wealth Assistant

Optimizes goals, allocation and contributions for the long game.

Risk Monitor

Watches cash-flow, debt and fraud so nothing catches you off guard.

Ask your coach anything

Grounded in your accounts, budgets and goals

Ask me things like "Can I afford a $2,000 trip in June?" or "How do I hit my emergency goal faster?" — I'll use your real numbers.