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EXPENSE ANALYSIS

You spend more than you think.

The average person underestimates their monthly spending by 20 to 40 percent. Optionality connects to your bank, categorizes every transaction with AI, and shows you exactly where every dollar goes.

Analyze my spending
No credit card required. Set up in under 2 minutes.
Bank-level encryption Read-only access No credit card

How it works.

From connected bank to spending insights in under two minutes.

Step 1

Connect Your Bank

Securely link your accounts via Plaid or SnapTrade. Read-only access with bank-level encryption. Done in about thirty seconds.

Step 2

AI Categorizes Everything

Optionality automatically sorts your transactions, detects recurring charges, and flags spending patterns you would never catch on your own.

Step 3

Ask Anything About Your Money

Chat with AI that knows your full financial picture. "Where did my money go last month?" "Which subscriptions should I cancel?"

SPENDING BREAKDOWN

See where every dollar actually went.

One question to the AI and you get a complete, categorized breakdown of your month. No manual tagging, no spreadsheet formulas, no tedious data entry.

The AI automatically flags spending that is trending up so you catch lifestyle creep before it quietly drains your savings.

Optionality AI
Expense Analysis
Break down my spending last month
February 2026 Spending Breakdown
Housing $2,400mortgage
Food & Dining $1,280+15% vs avg
Transportation $420
Subscriptions $1893 unused
Shopping $640
Utilities $310
⚠
Dining spending is trending up. You spent 15% more than your 6-month average on food and dining. Restaurant visits increased from 8 to 14 this month.
SUBSCRIPTION AUDIT

Find your hidden subscriptions.

Optionality scans every recurring charge and surfaces the ones you have forgotten about. The average user discovers over $100 per month in subscriptions they no longer use or need.

The AI does not just list your subscriptions. It tells you which ones to cancel and shows you what that freed-up money could do for your savings.

Optionality AI
Subscription Analysis
What subscriptions am I paying for?
Your Active Subscriptions
Netflix $15.49/mo active
Spotify $10.99/mo active
NYT Digital $17.00/mo active
Adobe CC $54.99/mo active
Gym Membership $49.00/mo active
ClassPass $99.00/mo unused 3 months
Headspace $12.99/mo unused 5 months
✓
Potential savings: $111.99/month. ClassPass and Headspace have not been used recently. Canceling both would save you $1,343.88 per year.
SPENDING DASHBOARD

Your spending dashboard.

Savings rate, emergency fund coverage, spending trends. Optionality turns raw transactions into the metrics that actually matter for growing your wealth.

No manual data entry. Everything updates automatically as new transactions flow in from your connected accounts.

Monthly Overview
February 2026
$5,239
Avg Monthly Spend
34%
Savings Rate
4.2 mo
Emergency Fund
Housing
Top Category
6-Month Spending Trend
Sep
$4,820
Oct
$5,040
Nov
$5,680
Dec
$6,190
Jan
$4,610
Feb
$5,239
Analyze my spending
Bank-level encryption Read-only access

Why not just check your bank app?

Bank apps show transactions, not patterns

You need to see the trend, not just the line item. Optionality categorizes and analyzes spending over months so you can spot what is actually changing.

Spreadsheets require manual work

You log expenses for a week, then stop. Optionality syncs automatically and never misses a single charge.

Budgeting apps do not give advice

Mint shows you a pie chart. Optionality tells you that canceling 3 unused subscriptions could fund your entire Roth IRA contribution.

You do not know what you do not track

Most people underestimate their spending by 20-30%. Real data from your connected accounts removes all the guesswork.

Frequently asked questions.

Is my financial data safe?
Your data is protected with 256-bit AES encryption. We connect to your bank through Plaid and SnapTrade using read-only access. We can never move money, make transactions, or see your login credentials.
What does the free tier include?
The free tier includes AI conversations, net worth tracking, and basic analysis. Premium unlocks unlimited AI conversations, detailed expense analysis, and scenario modeling.
How long does setup take?
Under 2 minutes. Create an account, connect your bank, and start chatting with the AI about your spending right away.
Does it work outside the US?
Yes. Optionality supports 30+ countries with multi-currency support. Your accounts and transactions are automatically converted and tracked regardless of currency.
Do I need to connect my bank account?
No. You can enter data manually if you prefer. Connecting your bank simply automates categorization and tracking so you never have to log a transaction again.

See where your money goes.

Connect your accounts and find out where your money actually goes. Most people discover hundreds in savings within the first five minutes.

Analyze my spending
No credit card required. Set up in under 2 minutes.
Bank-level encryption Read-only access No credit card