Dashboard
Overview of your financial position and outlook.
12-Month Outlook
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Understanding Your Financial Outlook
This chart shows 5,000 simulated futures for your savings over the next 12 months. Each simulation randomizes your monthly income and spending based on your actual patterns. The red line shows the median — the most likely path. The blue-shaded area above shows optimistic scenarios (top 25%). The red-shaded area below shows pessimistic scenarios (bottom 25%). The wider the bands, the more uncertainty in your financial future. The dashed red line at $0 is the danger zone — if any band touches it, there's a real chance of running out of money.
Monthly Spending
By category (average)
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About Your Spending
These bars show your average monthly spending in each category, calculated from your last 6 months of transaction history via Capital One's Nessie API. Categories with higher spending have more impact on your financial risk. Variable categories (like dining and entertainment) fluctuate month to month — this variance is what creates the spread in the simulation chart. Fixed categories (like housing) stay constant.
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Understanding Your Risk Metrics
Staying positive (6 & 12 months). These percentages are the chance your savings balance stays above $0 at that point in time across thousands of simulated futures. Higher is better — it means you're more likely to still have money in the bank.
Risk of running out. This is the chance your balance dips below $0 at least once during the next year in the simulation. It captures a worst-case path, not just the ending balance.
Percentile outcomes. In the main outlook chart, bands like the 10th and 90th percentile describe a range: many futures land between them. The middle (median) is the "typical" path. Wider bands mean more uncertainty in how your savings could grow or shrink.
Biggest risk factor. This is the spending category that adds the most uncertainty to your outlook — usually because it varies a lot month to month. Taming that category (or planning for it) often does the most to steady your finances.