Overview
Plan Analysis reviews your plan—not every past transaction. It rates five categories, each with a level from Weak to Excellent, a short why, and suggestions to reach the next level when needed. Insights are informational only—they are not professional financial, legal, or tax advice.
What it scores
| Category | What it looks at |
|---|---|
| Savings rate | Share of income in Savings boxes. Weak under 10%; Fair ≥10%; Good ≥15%; Excellent ≥25%. |
| Needs ratio | Share of income in Needs boxes. Weak at 85%+ (or categories incomplete); Fair under 85%; Good under 75%; Excellent under 60%. |
| Lifestyle spend | Needs + Wants combined. Weak at 92%+; Fair under 92%; Good under 85%; Excellent under 75%. |
| Categorisation | Whether boxes with money assigned have Needs / Wants / Savings. Weak under 50%; Fair ≥50%; Good ≥75%; Excellent when every allocated box is categorised. |
| Box diversity | How many boxes are in the plan. Weak under 3; Fair ≥3; Good ≥5; Excellent ≥8. |
Names and descriptions on boxes and expenses keep suggestions concrete.
Multi-currency and bank data
In multi-currency budgets, the review uses exchange rates from when it ran. Shared totals can drift as rates change—run a new analysis to refresh them.
When Bank Sync is on and boxes are linked, recent bank transaction descriptions from about the last 30 days can also be sent so the review can compare the plan with reality. See Bank data and the Privacy Policy for how analysis data is handled.
In the app
Open Plan Analysis from the Plan experience (insights / review actions). Optional AI review is separate and opt-in—see AI is optional.