Understand your spending
Trends
Based on your recorded statements. Card-balance MoM is +5.4% (₱31,268.96). Spend MoM is -55.4%.
Total expenses by month
Recorded charges by posted date (purchases, installments, fees). Payments out are excluded. Select a month for the exact peso total.
4 months recorded
Amount (PHP)
Category mix — billed in Oct 2026
Charges billed on statements this month. Not what's left to pay — see Installment runway for remaining balances. Select a category to see the lines behind it.
Billed in Oct 2026: ₱34,150.07
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 +5.4% (₱31,268.96).
Installment runway
Future terms after the current billed month. Remaining obligation ₱13,965.24.
View monthly amounts
- Nov 2026
- ₱6,875.08
- Dec 2026
- ₱3,545.08
- Jan 2027
- ₱3,545.08
| Merchant | Term | Monthly | Left | Remaining |
|---|---|---|---|---|
| Asian Home Mingla BNPL | 2/3 | ₱3,330.00 | 1 | ₱3,330.00 |
| Henry’s Ayala Cebu BNPL | 9/12 | ₱3,545.08 | 3 | ₱10,635.24 |