Monthly Financial Report
Month-over-month performance analysis, variance reporting, and spending breakdown for September 2026.
Total Monthly InflowIncome
$7,175.00
+0.3%vs previous ($7,150.00)
Total Monthly OutflowExpenses
$2,742.68
-3.6%vs previous ($2,846.09)
Net Monthly SurplusSavings Rate
$4,432.32
61.8% saved(prev: 60.2%)
Category Spend & Variance
Detailed month-over-month variances and proportion of total expenditures
| Category | Current Spend | Previous Spend | Variance ($) | Share of Outflow | Visual Share |
|---|---|---|---|---|---|
Housing | $1,450.00 | $1,450.00 | $0.00 | 52.9% | |
Groceries | $439.30 | $474.44 | -$35.14 | 16.0% | |
Shopping | $236.95 | $255.91 | -$18.96 | 8.6% | |
Dining | $213.90 | $231.01 | -$17.11 | 7.8% | |
Utilities | $193.75 | $209.25 | -$15.50 | 7.1% | |
Transport | $137.80 | $148.82 | -$11.02 | 5.0% | |
Subscriptions | $70.98 | $76.66 | -$5.68 | 2.6% |
Executive Summary & Portfolio Takeaways
For the month of September 2026, your personal cashflow retained a solid surplus of $4,432.32, generating a savings rate of 61.8%. Outflows decreased by 3.6%, helping maintain a strong safety margin across housing, groceries, and dining.