Optimize
Find opportunities to save and earn more
Spending Analysis
Understand your spending patterns
This Month
$4,200
On track
6-Month Average
$4,283
Potential Savings
$315
per month
Category Insights
Food & Dining
30% above average
Transportation
15% below average
Entertainment
25% above average
AI-Powered Strategies
7 high-impact actions • Personalized for you
Potential Annual Savings
$14,172
Cancel Unused Subscriptions
high impact45/mosubscriptionYou have 3 subscriptions you haven't used in 60 days: Hulu, Adobe Creative Cloud, and Audible.
Most people forget about subscriptions. Set a quarterly review reminder.
Optimize Grocery Spending
high impact180/mospendingYour grocery spending is 30% above average. Try meal planning and buying in bulk at Costco or Sam's Club.
Use apps like Flipp or Ibotta for cashback. Plan meals around weekly sales.
Increase 401k Contribution
high impactinvestmentYou're not maxing out your employer match. That's free money on the table! Increase by 2% now.
Employer match is an instant 100% return. This should be your #1 priority.
Switch to High-Yield Savings
high impact600/moinvestmentMove your emergency fund to Marcus, Ally, or Wealthfront for 4.5% APY. That's $600/year extra.
Takes 15 minutes to set up. Link your checking account and automate transfers.
Negotiate Internet Bill
medium impact30/mospendingYour internet bill is $80/mo. Call and ask for retention discount or switch to T-Mobile 5G Home.
Say 'I'm considering canceling.' They'll transfer you to retention with better offers.
Refinance Student Loans
high impact200/modebtWith your 750+ credit score, you could reduce your rate from 6.8% to 4.2% and save $2,400/year.
Check SoFi, Earnest, or Laurel Road. No fees. Takes 2 weeks.
Open Roth IRA
high impactinvestmentYou're under the income limit. Max out a Roth IRA ($7,000/year) for tax-free growth.
Future you will thank present you. Compound growth over 30 years is massive.
Start Side Hustle: Freelance
high impactincomeYour skills in web design could earn $500-2,000/mo on Upwork or Fiverr in 5-10 hours/week.
Start with 3 small projects to build portfolio. Raise rates after 5-star reviews.
Reduce Restaurant Spending
medium impact126/mospendingYou spend $420/mo eating out. Cut by 30% by cooking 3 more meals/week. Use meal kits to start.
Try HelloFresh or EveryPlate. Still easier than full cooking, but cheaper than dining out.
Automate Savings
medium impactsavingSet up automatic transfer of $250/paycheck to savings. You won't miss what you don't see.
'Pay yourself first' is the #1 wealth-building principle. Automate everything.
Subscription Audit
Identify subscriptions you're not using
Total Monthly
$113.91
Unused
$82.93
Netflix
Last used: 2 days ago
$15.99
Spotify
Last used: Today
$10.99
Hulu
Last used: 67 days ago
$12.99
Adobe Creative Cloud
Last used: 89 days ago
$54.99
Audible
Last used: 45 days ago
$14.95
GitHub Pro
Last used: Today
$4
Cancel unused subscriptions to save $82.93/month ($995.16/year)
Tax Optimization
Strategies to reduce your tax burden
Max Out 401(k)
availableContribute the full $23,000 limit to reduce taxable income
HSA Contributions
availableTriple tax advantage - contribute up to $4,150
Tax-Loss Harvesting
availableOffset capital gains with investment losses
Roth IRA Conversion
reviewConsider converting traditional IRA to Roth during low-income years