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Budgeting Insights gives you a clear, dynamic view of how a user earns, spends, saves and manages their monthly cash flow. It analyses real banking data to highlight patterns, overspend risks and upcoming pressure points, helping you understand financial behaviour instantly.

This tool replaces guesswork with structured, intelligent budgeting. It removes the need for manual reviews or spreadsheets and gives your team a fast, reliable overview of financial resilience, spending habits and potential vulnerability.

How it works

Once a user connects their bank account through secure open banking, Budgeting Insights analyses their transactions across a chosen time period. The system categorises every line item using machine learning and behavioural modelling, grouping spending into clear buckets such as bills, discretionary spend, savings, debt repayments and lifestyle categories.

It calculates monthly budgets automatically, identifies unusual patterns, flags overspend risks and projects future cash flow based on behaviour. Here’s an example of the structured output:

{
  "income": {
    "total_monthly_income": 2150,
    "regular_income_sources": ["Salary"],
    "stability_score": 0.82
  },
  "spending": {
    "essentials": 890,
    "discretionary": 460,
    "debt_repayments": 210,
    "savings": 120
  },
  "behaviour_signals": {
    "overspend_risk": "medium",
    "cashflow_projection_next_30_days": -65,
    "unusual_activity": ["spend_spike_discretionary"]
  },
  "summary": {
    "monthly_budget_status": "overspend_likely",
    "recommended_actions": ["Reduce discretionary spend", "Increase savings buffer"]
  }

This gives you an instant, reliable snapshot of a user's budgeting health without needing to interpret hundreds of transactions manually.

Smarter budgeting decisions

Budgeting Insights helps teams quickly understand how users manage their money day-to-day. It highlights overspending, identifies pressure points and reveals whether a customer is likely to maintain commitments or enter financial stress.

This is especially valuable for companies building customer-facing apps, digital banks improving financial wellbeing features, or lenders assessing responsible borrowing. With transparent categorisation and behaviour-led modelling, it gives you clarity, compliance and confidence in every decision.

And because the data comes directly from open banking, it’s factual and up to date, not self-reported or estimations.

Why behaviour-led budgeting matters

Traditional budgeting tools are static and easily ignored. Users’ real financial health depends on behaviour, not just numbers. Budgeting Insights uncovers the patterns behind spending, earning and saving, giving you a richer picture of cash flow, stability and risk.

This helps you support users more fairly, identify issues earlier and build more relevant, personalised financial experiences. It also speeds up internal workflows by eliminating manual categorisation and interpretation work.

Get started

Start seeing real budgeting behaviour in minutes. Budgeting Insights gives you a clearer financial picture, faster, powered by open banking and behavioural intelligence.
Compare plans or book a demo to see how it fits into your product.