Discretionary spending$2,466per month from sorted rows
Everyday optional spend: eating out, entertainment, travel, hobbies, shopping, tools and other purchases currently coded as discretionary. Use All to recode any row.
Potential monthly savings$4,424per month from sorted rows
Estimated monthly surplus: $10,870 income − $3,980 fixed and living costs − $2,466 discretionary spending. This is not money already saved; it is the amount the statement suggests could be retained if the pattern continues.
Regular savings$280per month from this statement
Average monthly transfers currently coded as savings across this statement period. This is not a savings-account balance, KiwiSaver balance, or other asset value.
Still to classify68statement items
These are cash withdrawals, private transfers, risk flags or other unusual rows that still need a category and, where relevant, an explanation.
Income strengthStrong regular income
9/10
This reflects regular credits visible in the statement, not a credit score. This rating is calculated from the transaction categories currently shown above, so it changes when a transaction is re-coded or explained.
Debt pressureLow debt pressure
9/10
Few debt repayments are visible. This rating is calculated from the transaction categories currently shown above, so it changes when a transaction is re-coded or explained.
Spending behaviourLifestyle leakage
2/10
Discretionary spending is a visible coaching opportunity. This rating is calculated from the transaction categories currently shown above, so it changes when a transaction is re-coded or explained.
Statement riskClean run
9/10
No major risk rows are currently sorted. This rating is calculated from the transaction categories currently shown above, so it changes when a transaction is re-coded or explained.
Unexplained transactionsNeeds context
5/10
Cash, private transfers, and unclear deposits need notes; the gauge considers their share of the statement rather than raw row count. This rating is calculated from the transaction categories currently shown above, so it changes when a transaction is re-coded or explained.
68 to sort185 sorted · 68 open reviews · 0 answered
01 JunHOUSECHECK BOP PROPERTY INSPECTION-$320
03 JunTAURANGA PRIMARY SCHOOL RAFFLE-$10
04 JunCHARITY DONATION - COMMUNITY FOOD BANK-$15
04 JunTAURANGA PRIMARY SCHOOL RAFFLE-$10
05 JunPRIVATE TRANSFER - DINNER SHARE-$34
05 JunCHARITY DONATION - COMMUNITY FOOD BANK-$15
06 JunPRIVATE TRANSFER - DINNER SHARE-$34
07 JunTAURANGA CC LIM SEARCH-$210
08 JunHOUSECHECK BOP PROPERTY INSPECTION-$320
11 JunTAURANGA PRIMARY SCHOOL RAFFLE-$10
12 JunCHARITY DONATION - COMMUNITY FOOD BANK-$15
13 JunPRIVATE TRANSFER - DINNER SHARE-$34
14 JunTAURANGA CC LIM SEARCH-$210
15 JunHOUSECHECK BOP PROPERTY INSPECTION-$320
15 JunTAURANGA CC LIM SEARCH-$210
16 JunHOUSECHECK BOP PROPERTY INSPECTION-$320
18 JunPRIVATE TRANSFER - LUCA CHEN SCHOOL FUNDRAISER-$45
18 JunTAURANGA PRIMARY SCHOOL RAFFLE-$10
19 JunCHARITY DONATION - COMMUNITY FOOD BANK-$15
19 JunTAURANGA PRIMARY SCHOOL RAFFLE-$10
20 JunPRIVATE TRANSFER - DINNER SHARE-$34
20 JunCHARITY DONATION - COMMUNITY FOOD BANK-$15
21 JunPRIVATE TRANSFER - DINNER SHARE-$34
22 JunTAURANGA CC LIM SEARCH-$210
23 JunHOUSECHECK BOP PROPERTY INSPECTION-$320
26 JunTAURANGA PRIMARY SCHOOL RAFFLE-$10
27 JunCHARITY DONATION - COMMUNITY FOOD BANK-$15
28 JunPRIVATE TRANSFER - DINNER SHARE-$34
29 JunTAURANGA CC LIM SEARCH-$210
30 JunHOUSECHECK BOP PROPERTY INSPECTION-$420
30 JunHOUSECHECK BOP PROPERTY INSPECTION-$320
30 JunTAURANGA CC LIM SEARCH-$210
01 JulHOUSECHECK BOP PROPERTY INSPECTION-$320
03 JulTAURANGA PRIMARY SCHOOL RAFFLE-$10
04 JulCHARITY DONATION - COMMUNITY FOOD BANK-$15
04 JulTAURANGA PRIMARY SCHOOL RAFFLE-$10
05 JulPRIVATE TRANSFER - DINNER SHARE-$34
05 JulCHARITY DONATION - COMMUNITY FOOD BANK-$15
06 JulPRIVATE TRANSFER - DINNER SHARE-$34
07 JulTAURANGA CC LIM SEARCH-$210
08 JulHOUSECHECK BOP PROPERTY INSPECTION-$320
11 JulTAURANGA PRIMARY SCHOOL RAFFLE-$10
12 JulCHARITY DONATION - COMMUNITY FOOD BANK-$15
13 JulPRIVATE TRANSFER - DINNER SHARE-$34
14 JulTAURANGA CC LIM SEARCH-$210
15 JulHOUSECHECK BOP PROPERTY INSPECTION-$320
15 JulTAURANGA CC LIM SEARCH-$210
16 JulPRIVATE TRANSFER - LUCA CHEN SCHOOL FUNDRAISER-$45
16 JulHOUSECHECK BOP PROPERTY INSPECTION-$320
18 JulTAURANGA PRIMARY SCHOOL RAFFLE-$10
19 JulCHARITY DONATION - COMMUNITY FOOD BANK-$15
19 JulTAURANGA PRIMARY SCHOOL RAFFLE-$10
20 JulPRIVATE TRANSFER - DINNER SHARE-$34
20 JulCHARITY DONATION - COMMUNITY FOOD BANK-$15
21 JulPRIVATE TRANSFER - DINNER SHARE-$34
22 JulTAURANGA CC LIM SEARCH-$210
23 JulHOUSECHECK BOP PROPERTY INSPECTION-$320
26 JulTAURANGA PRIMARY SCHOOL RAFFLE-$10
27 JulCHARITY DONATION - COMMUNITY FOOD BANK-$15
28 JulPRIVATE TRANSFER - DINNER SHARE-$34
29 JulHOUSECHECK BOP PROPERTY INSPECTION-$380
29 JulTAURANGA CC LIM SEARCH-$210
30 JulHOUSECHECK BOP PROPERTY INSPECTION-$320
02 AugTAURANGA PRIMARY SCHOOL RAFFLE-$10
03 AugCHARITY DONATION - COMMUNITY FOOD BANK-$15
04 AugPRIVATE TRANSFER - DINNER SHARE-$34
06 AugPRIVATE TRANSFER - LUCA CHEN SCHOOL FUNDRAISER-$45