Multi-lens view · category · merchant · needs vs wants · household vs business.
Lifestyle doctrine in force: travel and family experiences are protected. The dashboard never suggests cutting them. Insights surface "trending above normal" callouts without judgment.
Numbers below filter out CC payment routing (Venmo Visa Direct), inter-account transfers, and Newrez payments — those aren't actual merchant spend.
The lens chips below switch the aggregation. Category answers "where does the money go?" Needs/wants answers "what's flexible?" Household/business answers "what's deductible?" Merchants is the raw drill-down.
COSTCO WHSE PLAIN CITYneed
Groceries · 66 charges
$21,764
DELTA VACATIONS 877-628-2284want
Travel · 1 charges
$15,219
THE MODERN MAID DELAWAREflex
Home services · 32 charges
$8,364
ZIP* APP PAY LAflex
Other · 69 charges
$4,960
USAA DEBIT ZELLE: BONNIE CLARYflex
Other · 11 charges
$4,950
ROYALCARIBBEAN.COM (866)562-7625flex
Other · 5 charges
$4,779
AMAZON MARKETPLACE SEATTLEflex
Shopping · 75 charges
$4,618
INTEREST CHARGE ON PURCHASESflex
Other · 18 charges
$4,097
KROGER 740-363-4398need
Groceries · 26 charges
$3,881
APLPAY MICRO ELECTROCOLUMBUSflex
Other · 3 charges
$3,741
RWLV HOTEL FRONT DESLAS VEGASwant
Travel · 4 charges
$2,925
ATM WITHDRAWAL TNSSMART LAS VEGASflex
Other · 2 charges
$2,622
HILTON ADVANCE PURCH800-236-7113want
Travel · 2 charges
$2,621
HILTON FT LAUDERDALEFT LAUDERDALEwant
Travel · 1 charges
$2,607
COSTCO WHSE COLUMBUSneed
Groceries · 9 charges
$2,425
CSC IBEROSTAR CLUB 3 866-8594402flex
Other · 2 charges
$2,099
Each merchant is auto-classified via pattern matching on the merchant name. Categories are inferred (grocery store names → Groceries, airline + hotel names → Travel, etc.). Needs/Wants/Flexible is opinionated: utilities/insurance/groceries/gas are needs; dining/travel are wants (protected per doctrine); shopping/tools/home services are flexible. Phase 9 Review Inbox will let Topher correct mis-classifications per merchant.