Maali

Cost cutter

Select merchants or charges from the 12 complete months through July 2026 to model possible savings. Selections stay in your cut list.

12-month spending$158,252
Merchants reviewed90

Largest flexible spending

Select a merchant to model removing all its charges.

  1. best buy$4,276/yr
  2. nordstrom$2,327/yr
  3. target$1,945/yr
MerchantChargesAnnual spendCategory
lakeside mortgage12 charges · housing12$35,760/yrhousing
bright horizons12 charges · kids12$24,960/yrkids
toyota financial12 charges · transportation12$6,288/yrtransportation
cook county treasurer1 charge · taxes1$5,180/yrtaxes
costco16 charges · groceries16$5,040/yrgroceries
best buy33 charges · shopping33$4,276/yrshopping
jewel-osco29 charges · groceries29$3,254/yrgroceries
whole foods market27 charges · groceries27$2,944/yrgroceries
aldi25 charges · groceries25$2,722/yrgroceries
geico2 charges · insurance2$2,685/yrinsurance
mariano's21 charges · groceries21$2,414/yrgroceries
nordstrom27 charges · shopping27$2,327/yrshopping
trader joes21 charges · groceries21$2,306/yrgroceries
verizon wireless12 charges · utilities12$1,998/yrutilities
target25 charges · shopping25$1,945/yrshopping
house cleaning12 charges · shopping12$1,920/yrshopping
amazon26 charges · shopping26$1,756/yrshopping
ashley furniture1 charge · shopping1$1,650/yrshopping
comed12 charges · utilities12$1,506/yrutilities
citgo23 charges · transportation23$1,405/yrtransportation
marathon23 charges · transportation23$1,366/yrtransportation
olive garden21 charges · dining21$1,280/yrdining
shell22 charges · transportation22$1,271/yrtransportation
panera bread22 charges · dining22$1,200/yrdining
midas auto repair1 charge · transportation1$1,180/yrtransportation
the honest company12 charges · shopping12$1,114/yrshopping
sweetgreen22 charges · dining22$1,108/yrdining
ymca12 charges · health12$1,104/yrhealth
doordash23 charges · dining23$1,100/yrdining
portillos20 charges · dining20$1,049/yrdining
comcast xfinity12 charges · utilities12$1,043/yrutilities
lawn care12 charges · shopping12$1,020/yrshopping
local thai kitchen22 charges · dining22$1,000/yrdining
chipotle20 charges · dining20$985/yrdining
marriott1 charge · travel1$946/yrtravel
sears appliance center1 charge · shopping1$940/yrshopping
northwestern medicine2 charges · health2$901/yrhealth
mod pizza18 charges · dining18$876/yrdining
peoples gas12 charges · utilities12$814/yrutilities
city of evanston water12 charges · utilities12$810/yrutilities
southwest airlines1 charge · travel1$686/yrtravel
home depot4 charges · shopping4$675/yrshopping
american red cross1 charge · gifts and donations1$614/yrgifts and donations
venmo16 charges · dining16$602/yrdining
sushi house11 charges · dining11$550/yrdining
uber20 charges · transportation20$502/yrtransportation
lowes4 charges · shopping4$482/yrshopping
walgreens7 charges · health7$401/yrhealth
corner cafe24 charges · coffee24$388/yrcoffee
the childrens place4 charges · shopping4$378/yrshopping
airbnb1 charge · travel1$374/yrtravel
la colombe49 charges · coffee49$354/yrcoffee
ikea3 charges · shopping3$350/yrshopping
blue bottle coffee37 charges · coffee37$338/yrcoffee
lincoln park zoo4 charges · entertainment4$321/yrentertainment
intelligentsia coffee43 charges · coffee43$294/yrcoffee
lyft13 charges · transportation13$276/yrtransportation
farmers market7 charges · groceries7$256/yrgroceries
starbucks36 charges · coffee36$251/yrcoffee
chatgpt plus12 charges · entertainment12$240/yrentertainment
cvs pharmacy5 charges · health5$221/yrhealth
ulta beauty3 charges · health3$215/yrhealth
spotify family12 charges · entertainment12$204/yrentertainment
gymboree3 charges · shopping3$195/yrshopping
netflix12 charges · entertainment12$193/yrentertainment
the container store1 charge · shopping1$184/yrshopping
ticketmaster3 charges · entertainment3$181/yrentertainment
disney plus12 charges · entertainment12$159/yrentertainment
atlas outfitters2 charges · shopping2$157/yrshopping
abcmouse12 charges · entertainment12$156/yrentertainment
bright smiles dental2 charges · health2$143/yrhealth
amazon prime1 charge · entertainment1$139/yrentertainment
childrens museum3 charges · entertainment3$137/yrentertainment
costco membership1 charge · groceries1$130/yrgroceries
old navy4 charges · shopping4$124/yrshopping
sport clips2 charges · health2$121/yrhealth
carters2 charges · shopping2$76/yrshopping
amc theatres1 charge · entertainment1$76/yrentertainment
sephora1 charge · health1$50/yrhealth
the new york times12 charges · entertainment12$48/yrentertainment
icloud12 charges · entertainment12$36/yrentertainment
street parking2 charges · transportation2$34/yrtransportation
great clips1 charge · health1$29/yrhealth
Review before treating as cuttable7 merchants · $13,467/yr

Spending left out of the list above on purpose: money that isn’t categorized yet (sort it first so it lands in the right place) and sensitive areas like education or lessons (worth a careful look, not a blunt cut). Only merchants with at least $120/year are shown.