Compare
Analyst commentary for January 2026
January 2026 against December 2025, by category. Higher spend is red. Totals exclude occasional big bills, matching the Month view.
Previous month$13,384December 2025
Selected month$11,497January 2026
Change-$1,88614% less
| Category | Dec 2025 | Jan 2026 | Change |
|---|---|---|---|
| insurance occasional | $0 | $1,315 | +$1,315new |
| transportation | $972 | $1,126 | +$154+16% |
| utilities | $491 | $590 | +$98+20% |
| coffee | $111 | $149 | +$38+34% |
| entertainment | $113 | $149 | +$36+32% |
| housing | $2,980 | $2,980 | $00% |
| kids | $2,080 | $2,080 | $00% |
| groceries | $1,706 | $1,698 | -$9-1% |
| dining | $1,017 | $954 | -$63-6% |
| health | $241 | $152 | -$89-37% |
| education | $601 | $402 | -$199-33% |
| gifts and donations occasional | $614 | $0 | -$614-100% |
| travel occasional | $1,632 | $0 | -$1,632-100% |
| shopping | $3,072 | $1,220 | -$1,852-60% |
January 2026 against your typical month, based on your usual over the past year.
Typical$11,705typical month
Selected month$12,812Jan 2026
Change+$1,1079% more
By category, what's furthest from its usual — a guide to what's moving, not a breakdown of the totals above.
“Why?” shows the biggest single charge behind a category's jump. Tap the row to see it.
| Category | Typical | Jan 2026 | Change |
|---|---|---|---|
| insurance occasional | $205 | $1,315 | +$1,110+540% |
| transportation | $905 | $1,126 | +$220+24% |
| dining | $808 | $954 | +$145+18% |
| utilities | $517 | $590 | +$73+14% |
| coffeeWhy? | $97 | $149 | +$51+53% |
| Biggest charge $21.43 at corner cafe. Without it, this category is +31% vs typical (instead of +53%). | |||
| groceries | $1,675 | $1,698 | +$23+1% |
| housing | $2,980 | $2,980 | $00% |
| kids | $2,080 | $2,080 | $00% |
| entertainment | $157 | $149 | -$9-5% |
| health | $230 | $152 | -$79-34% |
| education | $490 | $402 | -$88-18% |
| shopping | $1,432 | $1,220 | -$212-15% |
Spending pace
How your spending added up in January 2026. 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 2026.
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