Treasury overview

Cash position

Balances, recent movements, and rule activity across your linked accounts.

EUR net worth €15,950.00 2 accounts · consolidated

GBP net worth £800.00 1 account · consolidated

USD net worth $1,250.00 1 account · consolidated

EUR monthly burn €2,262.78 Runway 7.0 months · €15,950.00 liquid

GBP monthly burn £4.00 Runway 200.0 months · £800.00 liquid

USD monthly burn $10.00 Runway 125.0 months · $1,250.00 liquid

Accounts 4 137 transactions tracked

Income-driven allocation

Budgets

Total net monthly income €2,800.00 · Confirmed recurring inflows, net of transfers and internal movements

Shared rent detected

Shared rent detected. Confirm your setup to track net housing cost.

Inmobiliaria Centro · €850.00 master payment · 1 flatmate contribution(s) · tentative net €550.00.

Advisory

Groceries are above the healthy range

Groceries are allocated 12.5% of net income (350.00), above the recommended 10%–12% range.

Advisory

Dining Out & Delivery is above the lifestyle allowance

Dining Out & Delivery spending is at 12.5% of your total budget (350.03), exceeding the recommended 10%–12% lifestyle allowance.

Plan vs actual

Personal EUR

Income baseline: €2,800.00
Allocated: €2,800.00 · 100%
Unallocated: €0.00 · 0%
Month-to-date spend: €2,548.17

Category percentages are shares of monthly income. Adjust pillar targets and category assignments any time.

Needs

50% allocated

On target

Target 50% €1,400.00 allocated €1,278.33 spent

91%

Wants

30% allocated

On target

Target 30% €840.00 allocated €709.84 spent

84%

Savings & Investment

20% allocated

On target

Target 20% €560.00 allocated €560.00 spent

100%

Spending by category

Booked debits in October 2026

Emergency Fund €300.00
Groceries €247.17
Housing / Rent €850.00
Investments €260.00
Leisure & Shopping €305.83
Restaurants & Delivery €350.03
Subscriptions €28.98
Subscriptions $10.00
Transfers / P2P €25.00
Uncategorized €27.36
Utilities & Telecom €181.16

Accounts

Cached balances from the latest sync

All accounts

Account	IBAN	Workspace	Balance	Reconciliation	Updated
Revolut Vault - Emergency Fund Alex Morgan	ES7620770024003102575766	Personal closingBooked	€12,500.00	Reconciled	2h ago
Santander Smart - Personal Checking Alex Morgan	ES9121000418450200051332	Personal closingBooked	€3,450.00	Reconciled	2h ago
Wise Multi-Currency - GBP Alex Morgan	GB33BUKB20201555555555	Personal closingBooked	£800.00	Reconciled	2h ago
Wise Multi-Currency - USD Alex Morgan	BE71096123456769	Personal closingBooked	$1,250.00	Reconciled	2h ago

Spending intelligence

Where the money goes

Category shares, six-month momentum, and this month's cash-flow bridge. Internal transfers are excluded.

Open analytics workspace →

Category breakdown

Current month

Income vs expenses

Last six months

Monthly waterfall

Opening balance to current position

Alert feed

Rules evaluated on each sync

All alerts

warning Restaurants budget at 85% 1d ago

Restaurants spending reached the 80% warning threshold for this month.

Santander Smart - Personal Checking rule: budget delivered
info Balance reconciled 2d ago

Santander Smart - Personal Checking matches the booked ledger after the latest sync.

Santander Smart - Personal Checking rule: integrity delivered
warning Subscription price increase 3d ago

Spotify increased from 9.99 EUR to 10.99 EUR per month.

Santander Smart - Personal Checking rule: subscription_price_increase delivered
info Bank fee detected 8d ago

Comisión mantenimiento de cuenta: 15.00 EUR on Santander Smart - Personal Checking.

Santander Smart - Personal Checking rule: bank_fee delivered

Bank connections

Consent state and last refresh

Manage

Banco Santander Linked · 1 account

2h ago
Revolut Ltd Linked · 1 account

2h ago
BBVA Linked · 0 accounts

2h ago
Wise Linked · 2 accounts

2h ago

View all 137 transactions →

Recent transactions

Latest booked and pending movements

All transactions

Date	Account	Counterparty	Category	Description	Workspace	Amount	Status
26 Oct 2026	Santander Smart - Personal Checking	Uber	Transport	Pending ride	Personal	-€18.50	pending
25 Oct 2026	Santander Smart - Personal Checking	Amazon	Shopping	Pending card authorization	Personal	-€42.50	pending
22 Oct 2026	Santander Smart - Personal Checking	ACME Studio S.L.	Payroll	Monthly payroll	Personal	€2,800.00	booked
21 Oct 2026	Santander Smart - Personal Checking	Bizum Juan Pérez	Transfers / P2P	Dinner split	Personal	-€25.00	booked
20 Oct 2026	Santander Smart - Personal Checking	Vodafone	Utilities & Telecom	Fibra + Móvil	Personal	-€49.90	booked
19 Oct 2026	Santander Smart - Personal Checking	Mercado de San Antón	Restaurants & Delivery	Dining out	Personal	-€86.38	booked
17 Oct 2026	Santander Smart - Personal Checking	Supercor	Groceries	Weekly groceries	Personal	-€90.97	booked
16 Oct 2026	Santander Smart - Personal Checking	Amazon	Leisure & Shopping	Household shopping	Personal	-€305.83	booked
14 Oct 2026	Santander Smart - Personal Checking	El Faro	Restaurants & Delivery	Dining out	Personal	-€88.80	booked
12 Oct 2026	Santander Smart - Personal Checking	Holaluz	Utilities & Telecom	Gas bill	Personal	-€51.81	booked
11 Oct 2026	Santander Smart - Personal Checking	Bazar Central	Uncategorized	Miscellaneous purchase	Personal	-€27.36	booked
10 Oct 2026	Santander Smart - Personal Checking	Bonpreu	Groceries	Weekly groceries	Personal	-€75.26	booked
09 Oct 2026	Santander Smart - Personal Checking	Osteria Nera	Restaurants & Delivery	Dining out	Personal	-€89.06	booked
07 Oct 2026	Wise Multi-Currency - USD	GitHub Copilot	Subscriptions	GitHub Copilot	Personal	-$10.00	booked