Year in review

2026 so far · Jan '26 → Aug '26

Last 12 months This year (2026)Last year (2025)

Total spend: $98,722
Monthly average: $12,340
Median month: $12,114
Peak month: Jul '26 ($14,239)
Trough month: Feb '26 ($10,667)
Recurring charges (monthly baseline): $3,684

Analyst commentary

The year in brief

Average monthly spending was $12,340 with spending ranging from a low of $10,666 in February to a high of $14,239 in July, suggesting seasonal spikes in spending.

What changed most

Shopping spending increased, moving from an average of $1,534 to $1,826 per month.
Transportation spending also rose, shifting from $972 to $1,256 per month.
Groceries saw a downward trend, decreasing from an average of $1,657 to $1,522 per month.

Worth a look

Aldi has shown a notable increase in spending, rising from $201 to $277 per month.
The largest single transactions were Lakeside Mortgage ($2,980) · Bright Horizons ($2,080) · Ashley Furniture ($1,650).
You are currently over budget for Health and Dining, and near budget for Transportation.

Annual budget pace

Spending so far this year vs. your budget prorated to the 8 complete months elapsed, by category.

Category	Spent so far	Budget so far	Progress
health	$2,286	$2,080	110%
dining	$6,449	$6,200	104%
transportation	$8,911	$9,400	95%
coffee	$1,076	$1,200	90%
groceries	$12,717	$16,000	79%
shopping	$13,442	$18,400	73%
entertainment	$1,289	$1,840	70%

Monthly spend

Stacked by category. Click a month to open its briefing. Hover a band for that category, or the column for the month's total.

Category share

Click a slice (or a category chip below) to toggle it. The center total reflects the visible categories.

Top categories

Category	Total	Monthly avg
	$23,840	$2,980

	$16,640	$2,080

	$13,442	$1,680

	$12,717	$1,590

	$8,911	$1,114

	$6,449	$806

	$4,129	$516

	$4,093	$512

	$2,685	$336

	$2,286	$286

	$1,289	$161

	$1,076	$134

	$638	$80

	$526	$66

Total	$98,722	$12,340

Top merchants (this year)

Merchant	Spend	Charges
lakeside mortgage	$23,840	8
bright horizons	$16,640	8
toyota financial	$4,192	8
best buy	$3,649	25
costco	$2,752	9
geico	$2,685	2
jewel-osco	$2,451	20
whole foods market	$2,327	22
zelle to tutor	$1,913	16
nordstrom	$1,777	19
aldi	$1,748	16
ashley furniture	$1,650	1
mariano's	$1,531	13
trader joes	$1,529	14
verizon wireless	$1,351	8
house cleaning	$1,280	8
marathon	$1,202	21
midas auto repair	$1,180	1
target	$1,166	16
citgo	$1,018	16
comed	$989	8
goldfish swim school	$944	8
sweetgreen	$939	17
northwestern medicine	$908	3
olive garden	$853	13
panera bread	$845	15
the little gym	$768	8
the honest company	$767	8
local thai kitchen	$748	16
ymca	$736	8
comcast xfinity	$698	8
portillos	$688	14
lawn care	$680	8
shell	$645	11
airbnb	$638	1
amazon	$614	14
city of evanston water	$587	9
venmo	$580	16
mod pizza	$540	11
doordash	$513	10
peoples gas	$504	8
chipotle	$496	11
kindermusik	$468	6
uber	$458	19
lowes	$419	3
sq vendor	$337	5
carters	$305	5
ikea	$303	2
home depot	$276	3
farmers market	$267	7

Top transactions

Date	Transaction	Amount
08/01/26	lakeside mortgage Lakeside Mortgage WEB ID:3309686 · Checking	$2,980.00
08/02/26	bright horizons Bright Horizons WEB ID:1353219 · Checking	$2,080.00
06/05/26	ashley furniture Ashley Furniture #2642 WILMETTE IL · Travel Card	$1,650.00
07/15/26	geico Geico WEB ID:4922397 · Checking	$1,370.00
01/23/26	best buy Best Buy #8566 GLENVIEW IL · Travel Card	$1,320.00
01/15/26	geico Geico WEB ID:6849203 · Checking	$1,315.00
07/24/26	midas auto repair Midas Auto Repair #5404 SKOKIE IL · Travel Card	$1,180.00
03/27/26	northwestern medicine Northwestern Medicine #4827 EVANSTON IL · Travel Card	$760.00
08/19/26	airbnb Airbnb #8856 ORLANDO FL · Travel Card	$637.91
08/07/26	toyota financial Toyota Financial WEB ID:6575415 · Checking	$524.00
01/12/26	costco Costco #7055 CHICAGO IL · Travel Card	$382.22
03/24/26	costco Costco #1188 CHICAGO IL · Travel Card	$377.18
06/18/26	costco Costco #2050 CHICAGO IL · Travel Card	$375.60
04/19/26	costco Costco #9097 CHICAGO IL · Everyday Card	$315.09
04/18/26	costco Costco #5190 CHICAGO IL · Travel Card	$305.22
02/16/26	costco Costco #9600 CHICAGO IL · Travel Card	$283.83
05/25/26	costco Costco #7155 CHICAGO IL · Travel Card	$245.36
08/10/26	costco Costco #5462 CHICAGO IL · Travel Card	$241.21
07/14/26	costco Costco #474 CHICAGO IL · Travel Card	$226.47
05/16/26	lowes Lowes #7861 CHICAGO IL · Travel Card	$181.31
03/24/26	verizon wireless Verizon Wireless WEB ID:8936230 · Checking	$176.93
08/24/26	verizon wireless Verizon Wireless WEB ID:9453109 · Checking	$174.60
03/01/26	aldi Aldi #6271 SKOKIE IL · Travel Card	$173.35
01/24/26	verizon wireless Verizon Wireless WEB ID:4138319 · Checking	$173.23
07/05/26	jewel-osco Jewel-Osco #297 WILMETTE IL · Travel Card	$171.91
03/24/26	jewel-osco Jewel-Osco #1719 WILMETTE IL · Travel Card	$171.79
03/15/26	trader joes Trader Joes #4056 WILMETTE IL · Everyday Card	$170.93
06/07/26	mariano's Mariano'S #7713 SKOKIE IL · Everyday Card	$170.19
06/24/26	verizon wireless Verizon Wireless WEB ID:7088233 · Checking	$169.90
03/14/26	ikea Ikea #9532 EVANSTON IL · Travel Card	$168.47
05/25/26	whole foods market Whole Foods Market #7143 CHICAGO IL · Travel Card	$167.85
04/24/26	verizon wireless Verizon Wireless WEB ID:6708591 · Checking	$167.55
02/26/26	jewel-osco Jewel-Osco #7464 WILMETTE IL · Everyday Card	$167.32
06/27/26	lowes Lowes #2396 CHICAGO IL · Travel Card	$166.11
02/24/26	verizon wireless Verizon Wireless WEB ID:5605189 · Checking	$165.86
01/01/26	trader joes Trader Joes #2182 WILMETTE IL · Everyday Card	$165.76
08/20/26	comed Comed WEB ID:8475074 · Checking	$165.48
07/03/26	mariano's Mariano'S #8114 SKOKIE IL · Travel Card	$164.99
07/24/26	verizon wireless Verizon Wireless WEB ID:1490487 · Checking	$163.88
04/30/26	mariano's Mariano'S #8692 SKOKIE IL · Everyday Card	$162.82
07/20/26	comed Comed WEB ID:8769813 · Checking	$162.21
08/31/26	trader joes Trader Joes #7436 WILMETTE IL · Travel Card	$161.07
04/16/26	target Target #5968 CHICAGO IL · Everyday Card	$160.50
08/06/26	house cleaning Cash	$160.00
01/06/26	whole foods market Whole Foods Market #1939 CHICAGO IL · Travel Card	$159.89
07/26/26	mariano's Mariano'S #2910 SKOKIE IL · Travel Card	$159.12
05/24/26	verizon wireless Verizon Wireless WEB ID:1864061 · Checking	$159.04
06/15/26	best buy Best Buy #2584 GLENVIEW IL · Travel Card	$158.79
08/25/26	mariano's Mariano'S #1087 SKOKIE IL · Everyday Card	$158.77
02/09/26	jewel-osco Jewel-Osco #5781 WILMETTE IL · Travel Card	$158.59