Understand your spending
Trends
Based on your recorded statements. Card-balance MoM is +15.4% (₱70,674.87). Spend MoM is n/a until the same card has two cycles.
Total expenses by month
Recorded charges by posted date (purchases, installments, fees). Payments out are excluded. Select a month for the exact peso total.
3 months recorded
Amount (PHP)
Category mix
Merchant lines from card SOAs, plus fees and billed installments.
Mix total ₱100,463.17
Statement-cycle spend
Purchases + billed installments + fees on SOAs dated that month. Aug and Sep contain different cards — not a household spend MoM.
Cash paid to creditors
Real GCash / ADA / autodebit receipts recorded.
Card-balance MoM
Previous SOA balance → current SOA total. This is balance change, not spend. Combined +15.4% (₱70,674.87).
Installment runway
Future terms after the current billed month. Remaining obligation ₱121,669.46.
View monthly amounts
- Sep 2026
- ₱5,033.89
- Oct 2026
- ₱21,412.75
- Nov 2026
- ₱9,701.05
- Dec 2026
- ₱6,371.05
- Jan 2027
- ₱6,371.05
- Feb 2027
- ₱2,825.97
- Mar 2027
- ₱2,825.97
- Apr 2027
- ₱2,825.97
- May 2027
- ₱2,825.97
- Jun 2027
- ₱2,825.97
- Jul 2027
- ₱2,825.97
- Aug 2027
- ₱1,240.53
- Sep 2027
- ₱1,240.53
- Oct 2027
- ₱1,240.53
| Merchant | Term | Monthly | Left | Remaining |
|---|---|---|---|---|
| UB installment (final term) | 24/24 | ₱1,790.38 | 0 | ₱0.00 |
| UB installment 24-mo | 13/24 | ₱1,585.44 | 11 | ₱17,439.84 |
| UB installment 60-mo A | 4/60 | ₱688.60 | 56 | ₱38,561.60 |
| UB installment 60-mo B | 4/60 | ₱551.93 | 56 | ₱30,908.08 |
| Power Mac JMALL | 22/24 | ₱2,207.92 | 2 | ₱4,415.84 |
| Power Mac Robinsons Cebu | 23/24 | ₱1,124.58 | 1 | ₱1,124.58 |
| Asian Home Mingla BNPL | 1/3 | ₱3,330.00 | 2 | ₱6,660.00 |
| Henry’s Ayala Cebu BNPL | 8/12 | ₱3,545.08 | 4 | ₱14,180.32 |
| UB Personal Loan installment | 23/24 | ₱8,379.20 | 1 | ₱8,379.20 |