Insights

This section contains the features that help you analyze your expenses and get some insights into your spending habits. It's a really eye-opening experience that motivates you to spend less and stick to the budget.

Pie-chart

Every time you make a purchase, it goes to a certain category automatically. The pie chart shows all the expenses you've been making during the current month divided by categories. The calculations also include refunds and reimbursements per category, so if you spent $1000 on Shopping and then returned a few items and had $300 back, you'll see $700 in the Shopping category in the pie chart.

Note: the "Other categories" category in the pie chart includes the categories that you've spent less than 5% of your total expenses.

List

This tab shows a trend - a visualization of your spending - and a list of categories with the total balance for each of them. 

The small number with an arrow indicates how much more/less you spent on this category compared to the previous month.

If you want to see transactions by categories, just go to List and hit a particular category for which you’d like to see the transactions.

#Hashtags

Add #hashtags in the notes to your transactions to add granularity to your spending. This tab is the place where you can check reports for those #hashtags. Here you will find a list of #hashtags that you ever used. Just hit a hashtag, and you'll see a graph and the total balance. Read more about #hashtags HERE.

Top-Merchants

The main goal of why we've created the "Top-Merchants" feature is to help our customers analyze their spending from different angles. The feature may come in handy to better understand where your money goes and how you can optimize spending habits.

The "Top-Merchants" section helps to track your monthly spending by a merchant name and figure out how much money you have spent in Walmart or on a sandwich each time you pass "Starbucks".

The PocketGuard app analyzes your spending and builds a pie chart displaying the top 10 merchant names you spend money on.

Why does a merchant equal zero?

Some of your merchant names' spending might equal zero. This usually happens when you receive a return or refund for the same amount of money you have spent. Another case is when you receive income from the same merchant you pay bills and spend money on, let's say, Amazon or PayPal.

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