Sample data · fictional people & merchants
Make sense of your money.
No judgement. Just a clearer picture of everyday spending, and small changes that work for you.
Official dataset not imported. Run pnpm data:import. Sample data works without it.
Your month at a glance
Across both accounts. Own transfers excluded. This is not your account balance.
Top spending categories
View as table
| Item | EUR |
|---|---|
| Home | €790.00 |
| Shopping | €329.00 |
| Groceries | €292.00 |
Let’s talk about your money
Ask a question, or start with one of these.
For everyday budgeting, not investment or credit advice. Nothing here moves money or cancels a payment.
Three baskets, for your everyday life
Essential costs are not failures. Each basket is a suggestion: open a transaction, see the reason and move it if needed. Income and own transfers are not expense baskets.
| Basket | EUR |
|---|---|
| Mandatory & regular | €870.80 |
| Mandatory & irregular | €621.00 |
| Everyday spending | €132.00 |
What is safe to spend this week?
This estimate uses the dataset date, not your bank balance today. 2026-10-28
Weekly room unavailable: a recent balance is needed for every account.
- Observed balances combined
- —
- Bills reserved
- €0.00
- Safety buffer
- €200.00
- Next likely income
- 2026-11-01
Expected income is not added to the balance. Detected bills are reserved until likely income, otherwise for 35 days. Variable essential costs also reserve a full monthly cycle at the largest of the latest three monthly totals; their due dates are unknown. Remaining money is spread conservatively over those weeks. Unknown expenses cannot be predicted.
Show reserved bills and balance dates
No regular bills detected.
current · 2026-10-28
savings · 2026-10-28
What kind of spender am I?
This describes cash flows, not your personality.
- Mandatory & regular: 54%
- Mandatory & irregular: 38%
- Everyday spending: 8%
Monthly spending volatility: 14%. Share spent from day 22 onwards: 7%.
Volatility = monthly spending standard deviation / mean. Partial months and short histories distort this comparison. 12 observed months.
Compare with people like you
Choose a customer from the official synthetic dataset.
For comparison, Finnish households on average (2022): housing 32.3 % · food and non-alcoholic beverages 12.9 % · transport 13.5 % of consumption. Household consumption and one account holder’s bank transactions are not directly comparable, so these are context, not a target. Source: Statistics Finland
Transactions and their basket reasons
2026-10 · 17 expenses · €1,623.80
2026-10-02 · Nesthill Homes (fictional)Home · Mandatory & regular€790.00
Same merchant/account in at least three consecutive months; amount within 10% and payment day within five days.
Your choice is saved only in this browser, for this customer and transaction.
2026-10-03 · Bluebirch Transit (fictional)Getting around · Mandatory & regular€58.00
Same merchant/account in at least three consecutive months; amount within 10% and payment day within five days.
Your choice is saved only in this browser, for this customer and transaction.
2026-10-04 · Acorn Market (fictional)Groceries · Mandatory & irregular€66.00
Essential need or annual fee, with variable timing or amount. Groceries are provisionally here, not coffee money.
Your choice is saved only in this browser, for this customer and transaction.
2026-10-05 · Moonmoss Music (fictional)Subscriptions · Mandatory & regular€12.90
Same merchant/account in at least three consecutive months; amount within 10% and payment day within five days.
Your choice is saved only in this browser, for this customer and transaction.
2026-10-06 · Little Lantern Kitchen (fictional)Eating out · Everyday spending€25.00
Variable everyday purchase; necessity cannot be inferred. Move it if needed.
Your choice is saved only in this browser, for this customer and transaction.
2026-10-07 · Pebble Cup (fictional)Eating out · Everyday spending€6.50
Variable everyday purchase; necessity cannot be inferred. Move it if needed.
Your choice is saved only in this browser, for this customer and transaction.
2026-10-09 · Storypond Films (fictional)Subscriptions · Mandatory & regular€9.90
Same merchant/account in at least three consecutive months; amount within 10% and payment day within five days.
Your choice is saved only in this browser, for this customer and transaction.
2026-10-11 · Acorn Market (fictional)Groceries · Mandatory & irregular€77.00
Essential need or annual fee, with variable timing or amount. Groceries are provisionally here, not coffee money.
Your choice is saved only in this browser, for this customer and transaction.
2026-10-13 · Little Lantern Kitchen (fictional)Eating out · Everyday spending€26.00
Variable everyday purchase; necessity cannot be inferred. Move it if needed.
Your choice is saved only in this browser, for this customer and transaction.
2026-10-14 · Pebble Cup (fictional)Eating out · Everyday spending€6.50
Variable everyday purchase; necessity cannot be inferred. Move it if needed.
Your choice is saved only in this browser, for this customer and transaction.
2026-10-18 · Acorn Market (fictional)Groceries · Mandatory & irregular€69.00
Essential need or annual fee, with variable timing or amount. Groceries are provisionally here, not coffee money.
Your choice is saved only in this browser, for this customer and transaction.
2026-10-18 · Northnest Goods (fictional)Shopping · Mandatory & irregular€329.00
Large one-off purchase (at least €200): a possible replacement or repair. Please confirm.
Your choice is saved only in this browser, for this customer and transaction.
2026-10-20 · Little Lantern Kitchen (fictional)Eating out · Everyday spending€27.00
Variable everyday purchase; necessity cannot be inferred. Move it if needed.
Your choice is saved only in this browser, for this customer and transaction.
2026-10-21 · Pebble Cup (fictional)Eating out · Everyday spending€6.50
Variable everyday purchase; necessity cannot be inferred. Move it if needed.
Your choice is saved only in this browser, for this customer and transaction.
2026-10-25 · Acorn Market (fictional)Groceries · Mandatory & irregular€80.00
Essential need or annual fee, with variable timing or amount. Groceries are provisionally here, not coffee money.
Your choice is saved only in this browser, for this customer and transaction.
2026-10-27 · Little Lantern Kitchen (fictional)Eating out · Everyday spending€28.00
Variable everyday purchase; necessity cannot be inferred. Move it if needed.
Your choice is saved only in this browser, for this customer and transaction.
2026-10-28 · Pebble Cup (fictional)Eating out · Everyday spending€6.50
Variable everyday purchase; necessity cannot be inferred. Move it if needed.
Your choice is saved only in this browser, for this customer and transaction.
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