Total Income
₦3.65M
Avg ₦304k per month
Total Spent
₦3.59M
Avg ₦299k per month
Total Saved
₦25k
Savings deposits detected
Health Score
62/100
Based on your uploaded data
Monthly Income vs Spending
Statement period
Financial Health
62
/ 100
Savings habit
Good
Spending control
Fair
Income stability
Low
Emergency fund
Building
AI Insights — What your data is telling you
💡
Financial Literacy Tip
The 50/30/20 rule is still a good benchmark: 50% needs, 30% wants, 20% savings. FinSight recalculates your real pattern each time you upload a new statement.
Where your money goes
Debits only
Spending split
Monthly spending trend
Savings deposits by month
Detected transfer to savings tools
| Date | Description | Category | Money Out (₦) | Money In (₦) |
|---|
🎯
How this works
The goal calculator uses the current statement averages. Uploading a new statement will also update the default projection values.
Set your goal
Average monthly inflow
Average monthly outflow excluding savings transfers
Your savings journey
What if I save more?
Impact simulator
📚
Financial literacy changes behaviour
💰
The 50/30/20 Rule
Rule: Save first. Spend what's left.
📊
Understanding Your Cash Flow
Rule: Income minus expenses should stay positive.
🛡️
Emergency Fund First
Target: 3–6 months of expenses in liquid savings.
📱
Watch Repeating Expenses
Rule: Small recurring costs add up fast.
📂
Drop your bank statement here
Click to browse — supports CSV, Excel (.xlsx / .xls), and PDF
CSVExcelPDFOPayKudaGTBankAccess
Expected column structure
| Date | Description | Debit | Credit |
|---|---|---|---|
| 2025-01-01 | Transfer from JOHN DOE | OPay | 50000 | |
| 2025-01-02 | Airtime | 0812345678 | MTN | 2000 | |
| 2025-01-03 | Transfer to VENDOR NAME | Access Bank | 15000 |