Compare
Analyst commentary for January 2025
January 2025 against December 2024, by category. Higher spend is red. Totals exclude occasional big bills, matching the Month view.
Previous month$11,099December 2024
Selected month$11,466January 2025
Change+$3673% more
“Why?” shows the biggest single charge behind a category's jump. Tap the row to see it.
| Category | Dec 2024 | Jan 2025 | Change |
|---|---|---|---|
| insurance occasional | $0 | $1,205 | +$1,205new |
| groceriesWhy? | $1,199 | $1,912 | +$713+59% |
| Biggest charge $255.85 at costco. Without it, this category is +38% vs previous month (instead of +59%). | |||
| diningWhy? | $612 | $921 | +$309+50% |
| Biggest charge $86.77 at local thai kitchen. Without it, this category is +36% vs previous month (instead of +50%). | |||
| health | $144 | $205 | +$61+43% |
| transportation | $944 | $968 | +$24+3% |
| housing | $2,980 | $2,980 | $00% |
| kids | $2,080 | $2,080 | $00% |
| utilities | $524 | $508 | -$17-3% |
| coffee | $102 | $83 | -$19-19% |
| entertainment | $178 | $128 | -$50-28% |
| education | $519 | $411 | -$108-21% |
| gifts and donations occasional | $524 | $0 | -$524-100% |
| shopping | $1,817 | $1,272 | -$545-30% |
| travel occasional | $2,384 | $0 | -$2,384-100% |
January 2025 against your typical month, based on your usual over the past year.
Typical$12,428typical month
Selected month$12,671Jan 2025
Change+$2442% more
By category, what's furthest from its usual — a guide to what's moving, not a breakdown of the totals above.
| Category | Typical | Jan 2025 | Change |
|---|---|---|---|
| insurance occasional | $187 | $1,205 | +$1,018+544% |
| groceries | $1,459 | $1,912 | +$453+31% |
| dining | $756 | $921 | +$164+22% |
| transportation | $937 | $968 | +$31+3% |
| housing | $2,980 | $2,980 | $00% |
| kids | $2,080 | $2,080 | $00% |
| utilities | $510 | $508 | -$3-1% |
| coffee | $89 | $83 | -$6-7% |
| entertainment | $140 | $128 | -$13-9% |
| health | $224 | $205 | -$19-8% |
| shopping | $1,336 | $1,272 | -$64-5% |
| education | $535 | $411 | -$123-23% |
Spending pace
How your spending added up in January 2025. The bold blue line shows that month. The dashed line is a typical month and the shaded band is your usual range, both based on the six months before January 2025.
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