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Financial Intelligence Report

Chase Sapphire — April 2026.pdf

89 transactions analyzed · Chase

67
Healthy
Financial health
Score 67/100
Based on savings, subs share, anomalies
Spending
$4,280
18% vs prior 30d
Income
$6,200
Net
$1,920
Savings rate
31%

AI Insights

5
warning· Dining

Dining spend up 34% vs last month

You spent $980 on dining this month — $247 more than March. Uber Eats alone accounts for $340 of this, across 14 separate orders.

At your current pace, dining will cost you $11,760 this year. Cutting Uber Eats to twice a week could save ~$180/month.
alert· Subscriptions

You're paying $1,524/year in subscriptions

6 active recurring charges detected totalling $127/month. Adobe Creative Cloud ($55) is your largest subscription — 43% of your total subscription spend.

Review Adobe Creative Cloud — if unused, cancelling saves $660/year instantly.
positive· Savings

Savings rate of 31% — above average

You saved $1,920 this month on $6,200 income. The average American saves 4.6%. You're significantly outperforming.

At this rate you'll accumulate $23,040 in savings this year. Consider moving excess to a high-yield account.
alert· Anomaly

Unusual charge: $487 at Airbnb

A $487 Airbnb charge on April 22nd is 6x larger than your typical transaction. This was flagged as a potential anomaly.

Verify this charge is expected. If not, contact your bank immediately.
info· Groceries

Grocery spend stable and efficient

You spent $640 on groceries across 8 Whole Foods visits — consistent with your 3-month average of $610.

Where your money went

Dining & Restaurants$980 (23%)
Groceries$640 (15%)
Subscriptions$420 (10%)
Transport$310 (7%)
Shopping$290 (7%)
Health & Fitness$180 (4%)

Subscription intelligence

$127/mo · $1,524/yr
Netflix
monthly
$18
Spotify
monthly
$11
Adobe Creative Cloud
monthly
$55
ChatGPT Plus
monthly
$20
Apple iCloud
monthly
$4
Gym Membership
monthly
$19

Risk & anomaly detection

Apple.com
2026-04-14
$299
Airbnb
2026-04-22
$487

Top merchants

Uber Eats
14 transactions
$340
Whole Foods
8 transactions
$290
Amazon
6 transactions
$220
Netflix
1 transaction
$18
Spotify
1 transaction
$11

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