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$12,118December 2025
Selected month$12,866January 2026
Change+$7486% more
| Category | Dec 2025 | Jan 2026 | Change |
|---|---|---|---|
| insurance occasional | $0 | $1,315 | +$1,315new |
| shopping | $1,914 | $2,536 | +$622+33% |
| groceries | $1,529 | $1,774 | +$245+16% |
| transportation | $972 | $1,109 | +$138+14% |
| utilities | $491 | $590 | +$98+20% |
| coffee | $119 | $132 | +$13+11% |
| kids | $2,080 | $2,080 | $00% |
| housing | $2,980 | $2,980 | $00% |
| entertainment | $178 | $155 | -$23-13% |
| health | $235 | $171 | -$64-27% |
| dining | $1,019 | $937 | -$82-8% |
| education | $601 | $402 | -$199-33% |
| gifts and donations occasional | $511 | $0 | -$511-100% |
| travel occasional | $1,636 | $0 | -$1,636-100% |
January 2026 against your typical month, based on your usual over the past year.
Typical$11,767typical month
Selected month$14,181Jan 2026
Change+$2,41421% 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 |
|---|---|---|---|
| shoppingWhy? | $1,351 | $2,536 | +$1,185+88% |
| Biggest charge $1,320.00 at best buy. Without it, this category is -10% vs typical (instead of +88%). | |||
| insurance occasional | $205 | $1,315 | +$1,110+540% |
| transportation | $905 | $1,109 | +$204+23% |
| groceries | $1,630 | $1,774 | +$144+9% |
| dining | $807 | $937 | +$130+16% |
| utilities | $517 | $590 | +$73+14% |
| coffee | $98 | $132 | +$34+35% |
| housing | $2,980 | $2,980 | $00% |
| kids | $2,080 | $2,080 | $00% |
| entertainment | $159 | $155 | -$4-2% |
| health | $202 | $171 | -$31-15% |
| education | $490 | $402 | -$88-18% |
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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