August 2026 Health Score: 100/100 (Grade A+)
Real-time breakdown of SBI bank statements, income, and outflow
Total Inflow
₹ 75,450.00
Salary & credits recorded
Total Outflow
₹ 47,319.10
Includes Needs, Wants & Subscriptions
Net Surplus / Savings
₹ 28,130.90
Savings Rate: 37.3% (Target: ≥20%)
Non-Useful / Waste
₹ 1,701.10
6 items flagged
Audit →
AI Financial Insights & Spending Suggestions Actionable
View Full Spending Audit →
High Food Delivery Spend Detected (6 orders)
You have placed 6 food orders totaling ₹ 3,210.00 this month with an average of ₹ 535 per meal.
💡 Cooking at home 50% more often could save you ₹ 1,605.00/month (₹ 19,260.00/year).
₹ 1,701.10 Identified in Avoidable / Non-Useful Spends
Non-essential charges such as impulse shopping, avoidable penalties, and unoptimized spending represent 3.6% of your total outflow.
💡 Review flagged items in the Waste Auditor to recover up to ₹ 20,413.20/year.
Cash Flow & Savings Trajectory
Monthly Inflow vs Outflow Comparison (Last 6 Months)
Inflow
Outflow
50/30/20 Financial Rule
Standard BenchmarkBalance between Living Needs, Lifestyle Wants, and Future Savings.
Needs (Essentials)
36.5% / 50% target
₹ 27,539.00 spent on rent, groceries, bills
Wants (Lifestyle & Leisure)
26.2% / 30% target
₹ 19,780.10 spent on dining, shopping, OTT
Savings & Investments
57.8% / 20% target
₹ 43,580.90 saved / invested
Top Expense Categories
Where your money went this month
House Rent & Maintenance
₹ 18,000.00
(38%)
Mutual Funds & SIPs
₹ 15,000.00
(31.7%)
Groceries & Provisions
₹ 5,090.00
(10.8%)
Food Delivery & Restaurants
₹ 3,660.00
(7.7%)
Utilities & Mobile Bills
₹ 2,449.00
(5.2%)
Accounts & Net Worth
Manage →
Primary Banking
SBI
SBI Salary Savings Account
•••• 3921
Available Balance
₹ 79,197.90
SBI SimplyCLICK Credit Card
₹ -1,067.00
Cash Wallet
₹ 3,000.00
Total Liquid Net Worth:
₹ 81,130.90
Monthly Budgets
View All →
Food Delivery & Restaurants
₹ 3,660 / ₹ 3,500
Groceries & Provisions
₹ 5,090 / ₹ 7,000
Fuel & Commute
₹ 2,000 / ₹ 4,000
Shopping & Fashion
₹ 0 / ₹ 5,000
Savings Goals Progress
6-Month Emergency Fund
52.8%
Recent Transactions
Latest UPI, card, and SBI statement entries
| Date | Description / Merchant | Category | Payment Mode | Status | Amount |
|---|---|---|---|---|---|
| 21 Aug 2026 |
Starbucks Coffee Treat
UPI/CR/2938475610/STARBUCKS/HDFC/Coffee
|
Food Delivery & Restaurants | UPI | Flagged Waste | - ₹ 450.00 |
| 19 Aug 2026 |
Zomato Late Night Craving
UPI/CR/1928374650/ZOMATO/HDFC/LateFood
|
Food Delivery & Restaurants | UPI | Flagged Waste | - ₹ 430.00 |
| 17 Aug 2026 |
Non-SBI ATM Withdrawal Surcharge
CHG: NON-SBI ATM WDL FINANCIAL TXN CHG
|
Bank Charges & Penalties | Bank System | Flagged Waste | - ₹ 23.60 |
| 16 Aug 2026 |
SBI Quarterly SMS Alert Charges
CHG: SMS CHARGES Q1-2024+GST
|
Bank Charges & Penalties | Bank System | Flagged Waste | - ₹ 29.50 |
| 15 Aug 2026 |
Swiggy Weekend Brunch
UPI/CR/9829102938/SWIGGY/ICICI/Food
|
Food Delivery & Restaurants | UPI | Normal | - ₹ 550.00 |
| 13 Aug 2026 |
Blinkit Quick Delivery
UPI/CR/8472910283/BLINKIT/ICICI/order
|
Groceries & Provisions | UPI | Normal | - ₹ 840.00 |
| 12 Aug 2026 |
Zomato Biryani Night
UPI/CR/8829102938/ZOMATO/HDFC/Biryani
|
Food Delivery & Restaurants | UPI | Normal | - ₹ 790.00 |
| 11 Aug 2026 |
Zerodha Demat Fund Transfer
TRANSFER-UPI/CR/8472910283/ZERODHA BROKING/HDFC/Fund
|
Mutual Funds & SIPs | UPI | Normal | - ₹ 5,000.00 |