Read the Insights tab
Insights has four things, top to bottom: the Ask Shayr bar, Safe to spend, Spending by category and a Spending patterns row. The spending numbers are worked out from your own transactions with fixed rules, not by AI.
Steps
Tap Insights in the bottom bar. At the top is the Ask Shayr anything about your finances bar. Tap it to open Shayr AI.
Under it, Safe to spend shows how much your household can spend until the next pay day, after bills and a cushion are set aside. Tap it to see how Shayr worked it out. See Safe to spend.
In Spending by category, the line at the top reads something like Spent $1,393, 37% of income. The percentage appears only once a real paycheck or other income of at least $500 has arrived in the period.
Tap This month, Quarter, Year or Custom on the card to change the period. Everything on the card follows it.
Use the Categories and Merchants switch to see the same spending by category or by merchant. Each list shows 5 rows. Tap See all for more. Merchants lists up to 20.
Tap a category row to see how much you spent, your budget for it, and its top merchants, with a button to see all its transactions. Tap a merchant row to open Spend with that merchant searched for the same period.
At the bottom, tap the Spending patterns row. It shows a small strip of your week and opens Spending patterns.
The percentage badges
A green or red badge on a category compares this period with the whole previous period. Green means you spent less, red means more. Early in the month you are comparing a few days with a full month, so almost everything reads as green. Judge those badges after mid month.
Safe to spend
It is on the free trial, Bussin and GOAT. The number, what it counts and the cushion are explained in Safe to spend.
Pull down on the tab to refresh it. Your investments are on the Invest tab, which is a GOAT and free trial feature.