QuackBalanceQuackInsights
Twelve months of your history, turned into suggestions you can act on — example output shown below
Your Scotiabank Savings held $12,845 this month but paid out just $4.20 in interest — under 0.4% a year. A high-interest savings account paying around 4% could earn roughly $43 a month on the same balance, with no added risk.
You have carried a balance for 3 of the last 6 months, which is why interest keeps showing up — $8.20 this cycle, $42.50 over six months. Paying the statement in full even once would stop that charge for good.
You made 8 separate dining purchases averaging $45 each, from coffee runs to takeout. Cutting back to once a week would put roughly $180 back in your pocket without cutting it out entirely.
Netflix, Amazon Prime and Spotify together come to $37.97 a month — $455 a year. None of that is wasted if you use them, but it is worth a quick gut-check on which one you would actually miss.
Your expenses have held close to $3,100 a month for six straight months while income rose slightly. That gap is exactly why your savings balance has been climbing steadily — worth keeping up.