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Your Financial Dashboard

We found opportunities to optimize your spending and save money.

Health Score

58

Fair

Total Spend

₹47,850

Subscriptions

14

Potential Savings

₹0

Based on your selections

Spending Breakdown

By Category

Distribution

Food Delivery
₹12,400
25.9%
Shopping
₹8,900
18.6%
Entertainment
₹3,200
6.7%
Subscriptions
₹2,847
5.9%
Utilities
₹4,500
9.4%
Transport
₹6,800
14.2%
EMI
₹8,000
16.7%
Bank Charges
₹1,203
2.5%

Your Subscriptions

Total recurring cost for all active and flagged services.

₹6,988/mo
₹83,856/yr

Manage Subscriptions

0 selected to cancel
ENTERTAINMENT

Netflix Premium

monthly • Last charged: 2026-01-05

₹649
₹7788/year
SHOPPING

Amazon Prime

yearly • Last charged: 2025-12-15

₹1499
₹1499/year
ENTERTAINMENT

Spotify Premium

monthly • Last charged: 2026-01-08

₹119
₹1428/year
ENTERTAINMENT

YouTube Premium

monthly • Last charged: 2026-01-10

₹129
₹1548/year
FITNESS

Cult.fit Pro

monthly • Last charged: 2025-11-20

₹999
₹11988/year
PROFESSIONAL

LinkedIn Premium

monthly • Last charged: 2026-01-01

₹1699
₹20388/year
PRODUCTIVITY

Adobe Creative Cloud

monthly • Last charged: 2025-12-18

₹1675
₹20100/year
CLOUD STORAGE

iCloud Storage 200GB

monthly • Last charged: 2026-01-02

₹219
₹2628/year

UPI Autopay Detected

You have 6 active UPI autopay mandates. Review them to avoid unexpected charges.

Zomato Gold Membership

ZOMATO • monthly

₹149

Swiggy One

SWIGGY • monthly

₹149

Blinkit Plus

BLINKIT • monthly

₹99

PolicyBazaar – Health Insurance

POLICYBAZAAR • monthly

₹2500

CRED RentPay

CRED • monthly

₹450

Dunzo Daily

DUNZO • monthly

₹79

Small Transaction Charges

You made 142 small UPI transactions (avg ₹55) that incurred ₹426 in charges.

💡 Tip: Consolidate small payments or use zero-fee payment methods to save ₹426/month.

EMI Payments

Personal Loan – HDFC Bank

monthly • Last paid: 2026-01-01

₹5000

Credit Card EMI – iPhone 15

monthly • Last paid: 2026-01-05

₹3000

Total EMI Burden₹8,000/month

Future Cost Projection

Fixed Outflows
Next Month
₹18,414
180 Days (6 Months)
₹1,10,484
1 Year
₹2,20,968

Personal Advice

Your financial health score is 58/100. The biggest drag on your score is ₹4,373/month going to 4 flagged subscriptions you're either not using or significantly overpaying for. Cancelling Cult.fit and downgrading LinkedIn Premium alone would recover ₹32K/year — that's nearly 3 months of your total subscription spend.You're running 6 active UPI autopay mandates, 3 of which are overlapping food delivery memberships (Zomato, Swiggy, Blinkit). Consolidating to a single platform would save ₹2,376/year. Also review your CRED RentPay — at ₹450/month in processing fees, you may be better off paying rent directly via NEFT (free).Your bank is quietly charging you ₹1,203/year in fees — SMS alerts, IMPS charges, minimum balance penalties, and a debit card fee. Switch to a zero-balance digital bank like Kotak 811, Fi, or Jupiter. Most of these charges disappear immediately. Combined with the subscription changes above, your total recoverable amount is ₹41,067/year.

Quick Wins

Cancel unused fitness subscription

Cult.fit Pro hasn't been used in 60+ days. You're paying ₹999/month for nothing.

Save ₹11,988/year

Downgrade LinkedIn Premium

Consider switching to a free account or using it only when needed. ₹1,699/month is steep.

Save ₹20,388/year

Review Adobe Creative Cloud

You used only Photoshop last month. Switch to the Photography plan at ₹676/mo to save ₹12K/yr.

Save ₹11,988/year

Consolidate food delivery memberships

You have Zomato Gold, Swiggy One, and Blinkit Plus. Pick one platform to maximize benefits.

Save ₹2,376/year

Reduce small UPI transactions

142 small transactions cost you ₹426 in charges. Batch payments or use zero-fee methods.

Save ₹5,112/year

Switch to zero-fee bank account

₹1,203 in bank charges annually. Many banks offer zero-fee accounts with similar benefits.

Save ₹1,203/year

Bank Charges

SMS Alert Charges₹50
Debit Card Annual Fee₹500
IMPS Charges (Multiple)₹378
ATM Withdrawal Charges₹150
Minimum Balance Penalty₹125
Total₹1203

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