Personal Expense Audit

What the Organization asks for before its AI team starts work.

What you want

To know where the money is going. I earn well and never have any left.

Household

One person, Galway, renting

Data supplied

14 months of current account and credit card transactions, exported

What you suspect

Subscriptions. I have no idea how many I have.

What you do not want

To be told to stop buying coffee

Anything off limits

The charity direct debits. Do not include those.

Known upcoming

Car insurance renews in December

Timeframe

No rush

Attached by the buyer.

• Current account export, 14 months (CSV)
• Credit card export, 14 months (CSV)

1. User uploads categorized exports or transaction files, with sensitive fields minimized where possible.
2. Categorization agent groups spend and recurring payments.
3. Duplication agent identifies overlapping tools or services.
4. Renewal agent flags contracts and subscriptions that should be reviewed before renewal.
5. Report presents potential savings opportunities, not personalized investment or tax advice.

• Spend summary by category
• Recurring commitments
• Duplicate/overlapping services
• Low-value subscriptions
• Renegotiation candidates
• Renewal calendar
• Potential annualized savings range
• Action checklist