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Spending & cash flow

See where your money actually goes.

Every transaction is categorised so you can break down spending by category, period, and trend — and read the month's cash flow to see what came in, what went out, and what stayed.

app.finanzya.app · Spending & cash flow
Spending · March
£3,142
−4.1% vs February
Top categories
Housing£1,496
Groceries£924
Transport£616
Dining£484

Category-level clarity

Finanzya assigns every transaction to a category — needs, wants, or the things you forgot about. View monthly breakdowns, year-over-year comparisons, and trend lines so you can spot drift before it becomes a problem.

  • Custom categories and sub-categories — adapt the taxonomy to your life, not a template
  • Smart category memory: once you tag a merchant, future transactions get the same category automatically
  • Filter by account, category, merchant, or date range without leaving the page

Spot the patterns, not just the totals

A total tells you what — a trend tells you why. Finanzya plots spending across months, quarters, and years so seasonal patterns, lifestyle drift, and recurring leaks become visible. The dashboard surfaces the deltas that actually matter.

  • Month-over-month and year-over-year comparisons for every category
  • Top-merchant breakdowns to find the line items hiding inside a category
  • Honest cash-flow view: income, spending, and savings side by side

Honest, not gamified

Clear charts, real numbers, and the categories you actually use. Finanzya assumes you're an adult making your own choices — its job is to give you the information, not to nudge you.

  • Calm visualisations designed to inform decisions, not trigger them
  • Numbers shown plainly — a quiet month looks quiet, an expensive one looks expensive
  • Export any breakdown to CSV — your data, your analysis

Cash flow, month by month

The cash-flow view answers the month's three questions in one screen: what came in, what went out, and what was left. A monthly heatmap shows when the money moved; top merchants and top categories show where it went — and where, honestly, it didn't need to go. That's the insight that shapes next month.

  • Spending, income and savings views over any period
  • Monthly heatmap plus top merchants and top categories
  • Spot the avoidable expenses while the next month is still ahead of you
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