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CarmenWiseMonthly Cash Flow
May 2026
⚠ Showing demo data — to see your real figures.
May 2026
Total spending
$5,247
This month
Net income
$12,000
Monthly take-home
Net savings
$6,753
Saved this month
Savings rate
56%
Target ≥ 20% ✓
Month over month — last 12 months
SpendingIncomeNet savings
Spend by category
🏠 Home & Utilities
$1,890
🛒 Groceries
$780
🍽️ Restaurants
$520
🛡️ Insurance
$450
🛍️ Shopping
$340
👨👩👧 Personal & Fami…
$310
🚗 Transportation
$290
📦 Miscellaneous
$272
🏥 Health
$215
🎬 Entertainment
$180
Home 36%Insurance 9%Groceries 15%Restaurants 10%Transportation 6%Health 4%
Income vs spend gap
Income
$12,000
Spending
$5,247
44% of income
Saved
$6,753
56% savings rate
Spending $5,247Saved $6,753
💡 Spending insights
📈
Restaurants spending is 18% above your 3-month average ($520 vs $440 avg)
💚
Home & Utilities is 12% below your 3-month average — $250 saved this month
ℹ️
3 subscriptions running this month: Netflix, Spotify, Disney+ — $48/mo combined
💚
Savings rate of 56% is well above the 20% target. Excellent discipline!
Budget rules analysis
50/30/20 Rule
50% needs · 30% wants · 20% savings
Needs 30% (target 50%)
↓
Wants 11% (target 30%)
↓
Savings 56% (target 20%)
✓
70/20/10 Rule
70% living · 20% savings · 10% debt + giving
Living 44% (target 70%)
↓
Savings 56% (target 20%)
✓
Debt/Give 10% (target 10%)
✓
No-budget method
Spend freely — just ensure savings rate ≥ 20%
Savings rate: 56%
✓