MoneyManager

Spending Insights

What your transactions say about your habits, and where money quietly leaves without a decision.

Way over
3.07× usual
Spending pace right now
Per day now
৳1.4K
Your usual
৳449.7
Month-end at this rate
৳42.9K
You are spending faster than your three month average. Keep this up for the remaining 26 days and you finish ৳28,921.14 over a normal month. Cutting ৳1.1K a day brings you back in line.
Burning per day
৳1,382.61

Across 5 days so far this month, transfers excluded.

Your normal rate
৳449.67

Daily average over the previous three months. The line everything here is measured against.

Leaking per year
৳3,200.04

2 small repeat charges, none big enough to notice individually.

Unusual charges
10

Transactions well above the normal size for their category. Worth a second look.

Which categories moved

This month against last. Red means you spent more, green means less.

Subscriptionunusual
৳3,880.0460%
Repaymentunusual
৳1,00031%
Food & Beverage
৳98061.6%
রিক্সা
৳53070.7%
হিসাব পাই নাunusual
৳270350%
Loan
৳10093%
Charityunusual
৳5011.1%
Home Improvement
৳500%
Pharmacy
৳3094.4%
Other Expense
৳23.0199.2%
Subscription is up 60%. That is ৳1,454.29 more than last month in a single category. If it was not a one-off, it becomes ৳17,451.48 a year.

Where money leaks out

Charges too small to think about, repeated often enough to matter.

অফিস থেকে বাসা৳1,760.04 /yr
৳40 eachoccasional11 times so far৳146.67 a month

Small but adds up over time

বাসা থেকে অফিস৳1,440 /yr
৳40 eachoccasional9 times so far৳120 a month

Small but adds up over time

Together these cost you ৳3,200.04 a year. Cutting even the top two would free ৳3,200.04 annually, without touching anything you would actually miss.

Transactions worth a second look

Each of these is several times the normal size for its category.

Send to Cash৳20,0005.4× normal
2026-07-18 in Outgoing transfer, where you normally spend ৳3,681.99
IUT থেকে ফেরার ভাড়া [office reimbursed — wash, আসল খরচ না]৳1,4204.7× normal
2026-07-18 in Other Expense, where you normally spend ৳305.3
পাঠাও তে করে আসলাম IUT তে শ্যুটের জন্যে [office reimbursed — wash, আসল খরচ না]৳1,1503.8× normal
2026-07-18 in Other Expense, where you normally spend ৳305.3
বাসা থেকে সীমান্ত সম্ভারে গেলাম৳1803.6× normal
2026-07-19 in রিক্সা, where you normally spend ৳49.79
ঔষধ কিনলাম চোখের জন্যে৳4003.5× normal
2026-07-29 in Pharmacy, where you normally spend ৳114
Send to Brac Bank৳12,5003.4× normal
2026-07-18 in Outgoing transfer, where you normally spend ৳3,681.99
Annual card fee (Card Charges) — VISA Smart Credit Gold. Pre-existing outstanding before this month's advances.৳2,0003.3× normal
2026-07-21 in Fees & Charges, where you normally spend ৳601.25
মাহাদী ভাইকে ধার দিলাম, স্যালারি পেলেই দিয়ে দিবে। আশা করি ৬ আগস্ট পাওয়া যাবে৳1,0003.3× normal
2026-07-30 in Loan, where you normally spend ৳306

Which days cost you

Average spend per weekday, this month.

Sunday৳460
Monday৳1.2K
Tuesday৳0
Wednesday৳2.4K
Thursday৳0
Friday৳0
Saturday৳2.8K

Your Friday to Sunday spending averages ৳1.1K a day against ৳910 on weekdays. A weekend cap is usually the easiest single change to make.

Where you go most

Ranked by total spend this month, not by visit count.

Credit Card → Pubali Savings cash advance (2500). PI App onus transfer. Fee 14.38 = 12.50 processing (0.5%) + 1.88 VAT. TxnID 2026080101-3-662361 — Send to Pubali Bank৳2,500
Pubali Savings → BRAC Bank (NPSB). Charge 0. TxnID 202608012665082. This is the CC-advanced money passing through to fund the Claude payment. — Send to Brac Bank৳2,500
Send to Brac Bank৳2,500
Claude subscription (Anthropic) — $20. Paid from BRAC card. Ultimately funded by Pubali credit card cash advance.৳2,488
Credit card cash advance + fee/VAT ৳8.05 — Send to Pubali Bank৳1,400
NPSB transfer, free — Send to Brac Bank৳1,400
Hostinger hosting — $11.19৳1,392.04

You went to Credit Card → Pubali Savings cash advance (2500). PI App onus transfer. Fee 14.38 = 12.50 processing (0.5%) + 1.88 VAT. TxnID 2026080101-3-662361 — Send to Pubali Bank 1 times, averaging ৳2,500 a visit. At that rate it costs ৳30,000 a year.

If you cut this out

Yearly value of dropping a category entirely. A thought experiment, not a plan.

Subscription
56.1% of everything you spend
৳46.6K /yr
Repayment
14.5% of everything you spend
৳12K /yr
Food & Beverage
14.2% of everything you spend
৳11.8K /yr
রিক্সা
7.7% of everything you spend
৳6.4K /yr
হিসাব পাই না
3.9% of everything you spend
৳3.2K /yr