Fat Finder (Expense Audit)
An AI-powered monthly audit that analyzes your spending, identifies waste — subscriptions, recurring splurges, unnecessary services — and suggests concrete cuts with estimated savings.
Overview
The Fat Finder scans 3 months of your transaction history, detects spending patterns, and generates a report highlighting where you could save money. Each finding includes specific amounts, severity levels, and actionable suggestions.
How to Access
- Dashboard card — shows cached Fat Finder results on the home screen. Tap to open the full report and generate fresh analysis.
- Direct navigation — navigate to the Fat Finder screen from the dashboard card
Requirements
- Each report generation uses 3 AI requests from your monthly allowance
- Reports are cached for 30 days per analysis period
Report Summary
The top of the report shows: - Total Potential Monthly Savings — the combined amount you could save - Analysis period — the date range analyzed - Number of findings — how many opportunities were identified
Finding Types
The AI identifies these categories of spending waste:
| Type | Description |
|---|---|
| Subscription | Recurring charges at similar amounts monthly (streaming, gym, SaaS tools) |
| Recurring Splurge | Regular non-essential spending that adds up (frequent dining out, coffee runs) |
| Large One-Off | Individual expenses significantly higher than your average transaction |
| Category Excess | Categories where spending grew more than 20% month-over-month |
| Service Overuse | High usage of delivery, ride-hailing, or similar services |
Finding Details
Each finding card includes:
- Title — short description of the issue
- Severity badge — Low, Medium, or High
- Low — less than 5% of total spending
- Medium — 5–10% of total spending
- High — more than 10% of total spending
- Description — detailed explanation with specific amounts
- Current vs Suggested — your current monthly cost compared to the AI’s recommendation
- Potential savings — how much you’d save per month
- Action suggestion — a concrete, one-sentence recommendation
- Related expenses — expandable list of specific transactions that triggered this finding
Actions
- Regenerate — force a new analysis with the latest data (costs 3 AI requests)
- Expand/collapse — tap findings to show or hide descriptions and related expenses
Dashboard Card
The compact Fat Finder card on the home screen shows: - Total potential savings prominently displayed - Top 3 findings with severity dots and savings amounts - View Full Report button to see all details
If no findings are detected, you’ll see a “Looking good!” message.
FAQ
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Q: How often should I check the Fat Finder? A: The report covers the current month. Check it once a month for the most relevant insights. Tap Regenerate to get a fresh analysis.
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Q: Why do I see different findings each month? A: The AI analyzes your most recent 3 months of data. As your spending patterns change, the findings will update accordingly.
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Q: The AI flagged a necessary expense. Can I dismiss it? A: Currently, individual findings cannot be dismissed. The AI provides suggestions — you decide which ones to act on.
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Q: Does it work with encrypted accounts? A: For accounts with full encryption (Tier 2), the Fat Finder cannot analyze expense descriptions, so it may produce fewer or less specific findings.
See also: Savings Goals | Spending Story | AI Chat