Insights and Spending patterns
What each finding means and the evidence behind it.
Read the Insights tabInsights 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.Safe to spendSafe to spend is the amount your household can spend between now and the next pay day without touching the money set aside for bills, pending charges and a cushion. It sits on Insights, under the Ask Shayr bar. Tap it to see how Shayr worked it out.Spending patternsSpending patterns looks at your everyday purchases for the weekday, the time of day, the places and the habits that shape them. It needs about three weeks of history and 20 everyday purchases before it says anything.What each spending pattern meansEach 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.