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:

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

Currency

All amounts in the audit are shown in your display currency — the one picked in the currency pill on the home screen. Expenses recorded in other currencies are converted into it at today’s rate before the analysis, so the total and the savings are comparable; the report says when figures are converted and therefore approximate. A single charge in another currency no longer relabels the whole audit — an account that spends in zlotys is audited in zlotys. Changing your display currency regenerates the audit in the new one.

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

• 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.

• 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.

• 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.

• 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