What each spending pattern means
Each finding in Spending patterns has a plain rule behind it and shows its evidence. This page lists every finding, what it needs before it appears, and what to check if it looks off.
All findings
| Finding | It appears when |
|---|---|
| [Day]s are your busiest spending day | That weekday runs at least 1.5 times the average of other days, from at least 4 purchases, and was the busiest day in at least two thirds of at least 4 comparable weeks. One giant day cannot decide it. |
| Weekend days run about N times a weekday, Weekends run N% higher or Weekends are calmer | The gap is at least 15 percent, over at least 6 weekend days, 15 weekday days and 25 purchases, and holds in most of at least 4 full weeks. |
| Spending picks up right after payday or stays calm | You have at least 4 paydays (deposits categorized as wages), and the 3 days after pay differ from other days by at least 20 percent after most paydays. |
| Some purchases happen late at night | At least 3 purchases between 10pm and 5am and at least 30 purchases with a real time. |
| Most local spending happens in [City] | At least 10 purchases with a city, and one city has at least 40 percent of them. |
| Online buying is up to N% or down to N% | At least 15 purchases with a payment channel in both windows and a shift of 10 points or more. |
| N new places showed up | At least 2 new merchants over $10, and at least 45 days of earlier history. A newly linked account does not make everything look new. |
| [Merchant] is a regular stop | Purchases on at least 4 different days. |
| Restaurant or fast food purchases on A of B days, or a streak without any | At least 3 meals or 28 days of history. The tone is neutral on purpose. |
| About N coffee runs a week | At least 3 full weeks and 6 coffee shop purchases. |
| Small purchases pile up on some days | At least 3 days with 3 or more purchases under $20, not counting groceries and gas. |
| [Merchant] went up to $X | A recurring charge rose by more than 3 percent and at least 50 cents. |
| [Merchant] is a new recurring charge | A charge repeated enough times to look like a subscription. |
| [Category] is up $X or down $X | At least 10 purchases in both windows, the category moved at least $40 and 20 percent, and there were at least 3 purchases in one window. Up to 3 of these show. |
Reading an Evidence box
An Evidence box prints the count, the total and the date range, for example 59 purchases | $2,712 | Jul 8 to Oct 3. Below it is a note such as the dates of the biggest days, the payday dates, or the first purchase dates of new places. If a list is behind it, a footnote explains that days can differ by a day or two from your transaction list.
Why a shift can look odd
Shift findings compare all purchases, including bills, with the same length of time before. A big one off bill, such as rent paid twice in a window, moves a category a lot. The explanation line says whether you made more purchases or bigger ones, and names a merchant that drives 40 percent or more of the change.
Titles are built from your category names, so you may see a line like Restaurants is up $1,125. On the solo version of the screen the header reads How, when and where you spends. Both are known wording quirks.