1 possible duplicate charge
medium confidenceThe same merchant charged the same amount twice within a few days.
Check the charges13 Sep
Financial intelligence
Insights
What WealthCues found in your data this month. Every statement opens to show the numbers it came from.
AI insight
Insights generated
15
Need attention
6
Transactions analysed
1039
Accounts and holdings
12 · 23
These are observations drawn from your own accounts, holdings and transactions — decision support, not financial advice. Nothing here is a recommendation to buy, sell or hold any investment.
All insights
Spending in Aug 2026 was 20% higher than your recent average
You spent ₹3.63 L against a ₹3.03 L average over the previous three months.
Open transactions13 Sep
2 unusually large transactions in Aug 2026
Together they account for ₹93.4 K — worth confirming each was intentional.
Review them13 Sep
Your goals assume ₹1.18 L a month; you invested ₹80 K
The plans attached to your goals are ahead of what actually left your accounts in Aug 2026, a difference of ₹38 K.
Adjust contributions13 Sep
1 account has not updated in over a month
Net worth and allocation are only as current as the accounts behind them.
Update balances13 Sep
Discretionary spending was 42% of Aug 2026
₹1.52 L went to shopping, travel, entertainment and other optional categories.
Break it down13 Sep
Your net worth rose 0.8% this month
You are ₹1.84 Cr up ₹1.48 L since 1 Aug 2026.
See what changed13 Sep
You are saving about 26% of what you earn
Over the last three complete months you took in ₹4.12 L a month and spent ₹3.06 L, leaving ₹1.06 L.
Review spending13 Sep
Retirement is on track
medium confidenceAt ₹75 K a month and a 11.0% assumed return, you would reach ₹11.9 Cr by 1 Apr 2045 against a ₹12 Cr target.
Review goals13 Sep
Your cash covers about 6.0 months of spending
₹18.5 L sits in cash and bank accounts against average monthly spending of ₹3.06 L.
View cash accounts13 Sep
Your portfolio outpaced the Nifty 50 over the last year
low confidencePortfolio value grew 25.2% while the index moved 19.4%.
Compare performance13 Sep
Your equity allocation moved from 64% to 69%
medium confidenceSix months of market movement and contributions have shifted the mix by 5.3%.
See allocation13 Sep
Parag Parikh Flexi Cap Fund — Direct Growth is your largest single position at 8.7%
Your portfolio holds 23 positions across 4 accounts, with a diversification score of 92 out of 100.
Open portfolio13 Sep
8 recurring payments cost about ₹97.7 K a year
These charges repeat on a predictable schedule at a near-constant amount, which is what makes them easy to forget.
See all recurring13 Sep
You are using 24% of your credit limit
₹1.9 L is outstanding against a ₹8 L limit, at an interest rate of 43.2% if carried.
Open card13 Sep
Cash flow over the last year
Income against spending, month by month, with what you invested.
Income, spending and investing
Complete months only.
Where Aug 2026 went
₹3.63 L across 12 categories.
- Shopping₹78 K
- Housing₹72.2 K
- Debt₹61.4 K
- Travel₹38.6 K
- Other₹31.9 K
- Food₹30.1 K
- Education₹18 K
- Healthcare₹10.9 K
- Transport₹9.72 K
Largest merchants
Who you paid most in Aug 2026.
- Landlord transfer · 1×₹68 K
- IKEA Bengaluru · 1×₹54.8 K
- State Bank of India · 1×₹41.8 K
- MakeMyTrip · 1×₹38.6 K
- GoDaddy · 2×₹24.7 K
- HDFC Bank · 1×₹19.6 K
- Greenwood High · 1×₹18 K
- BigBasket · 3×₹11.5 K
Recurring payments
Charges that repeat on a predictable schedule. Subscriptions can be cancelled; obligations generally cannot.
Subscriptions8
₹97.7 K a year
Cult.fit
monthly · 18 charges · last 2 Sep
₹2.5 K
OpenAI
monthly · 17 charges · last 24 Aug
₹2 K
ACT Fibernet
monthly · 17 charges · last 14 Aug
₹1.5 K
Airtel
monthly · 17 charges · last 16 Aug
₹799
Netflix
monthly · 18 charges · last 6 Sep
₹649
JioHotstar
monthly · 17 charges · last 22 Aug
₹299
Apple iCloud+
monthly · 17 charges · last 17 Aug
₹219
Spotify
monthly · 18 charges · last 9 Sep
₹179
Fixed obligations19
₹25.3 L a year
House rent — Indiranagar
Landlord transfer · monthly
₹68 K
Home loan EMI
State Bank of India · monthly
₹41.8 K
Advance tax instalment
Income Tax Department · quarterly
₹85 K
Car loan EMI
HDFC Bank · monthly
₹19.6 K
School fee — monthly
Greenwood High · monthly
₹18 K
Society maintenance
Prestige Association · monthly
₹4.2 K
Online order
Decathlon · monthly
₹4.08 K
Electricity bill
BESCOM · monthly
₹3.53 K
Groceries
Zepto · monthly
₹3.46 K
Groceries
Nature’s Basket · monthly
₹3.37 K
Flagged this month
Unusually large charges and possible duplicates, with the rule that flagged them.
IKEA Bengaluru
Unusually largeSofa and dining set · 9 Aug 2026
29.1× your median expense of ₹1,881, and above the 98th percentile of the last 12 months
₹54.8 K
MakeMyTrip
Unusually largeFamily trip — flights and hotel · 17 Aug 2026
20.5× your median expense of ₹1,881, and above the 98th percentile of the last 12 months
₹38.6 K
GoDaddy
Possible duplicateAnnual domain and hosting · 26 Aug 2026
Identical amount charged by GoDaddy on 2026-08-24 and 2026-08-26
₹12.4 K
How insights are produced
Each insight is generated by a named calculation over your data — not by a language model. The calculation produces a number; the insight describes that number and shows you the inputs.
Thresholds are fixed and stated: spending changes are reported above 4%, large charges are those beyond the 98th percentile of your last twelve months, and duplicates are identical merchant-and-amount pairs within five days.
Confidence is marked low where a figure mixes causes — portfolio growth includes money you added, so comparing it with an index shows direction rather than skill — and medium where a projection rests on assumptions you entered.
Savings rate this period: 25.8%. Emergency fund coverage: 6.0 months.