Spending Analysis
Overview
The Spending Analysis feature visualizes your expense data by category and time period, providing an analytics dashboard to understand your spending patterns. View trends through pie charts, line charts, and more, while the AI offers personalized saving insights.
You need to know where your money goes before you can save. Try asking Nion “Analyze my spending pattern this month.”
Key Charts
Spending by Category (Pie Chart)
Shows the proportion of total spending for each category.
| Item | Description |
|---|---|
| Category colors | Food (green), Transport (blue), Shopping (pink), Leisure (orange), etc. |
| Percentage | Each category’s share (%) |
| Amount | Actual amount shown on hover |
Monthly Spending Trend (Line Chart)
Displays total monthly spending for the last 6 months.
- X-axis: Month (e.g., Oct, Nov, Dec, Jan, Feb, Mar)
- Y-axis: Spending amount
- Month-over-month direction indicator
Top 5 Spending Categories
The five categories with the highest spending this month, ranked.
| Rank | Information |
|---|---|
| 1st | Category + amount + month-over-month change |
| 2nd | Category + amount + month-over-month change |
| … | … |
| 5th | Category + amount + month-over-month change |
Month-over-Month Change
Compares this month’s spending with last month.
| Display | Meaning |
|---|---|
| ↑ 15% (red) | 15% increase from last month |
| ↓ 8% (green) | 8% decrease from last month |
| — 0% (gray) | No change |
Period Filters
Use the top filter to change the analysis period.
| Period | Description |
|---|---|
| This week | Last 7 days |
| This month | From the 1st to today |
| Last month | Full previous month |
| Last 3 months | Cumulative last 3 months |
| Last 6 months | Cumulative last 6 months |
| This year | From January 1st to today |
AI Analysis Insights
Nion analyzes your spending data and provides personalized insights.
Insight Example
This month's spending analysis:
1. Total spending: $1,520 (↑12% vs. last month)
2. Top category: Food $480 (31.6%)
3. Increased: Shopping +45% (likely due to seasonal sales)
4. Decreased: Transport -20% (likely due to remote work)
5. Saving tip: Cooking at home 3x/week could save ~$80/month
FAQ
Q. Where does the analysis data come from?
All income/expense data recorded in the finance section is used for analysis. The more records you have, the more accurate the analysis.
Q. Is income included in the analysis?
Spending Analysis covers expenses only. Income data can be found in the finance section’s income/expense summary.
Q. Can I download chart data?
Direct chart image or data download is not currently supported. You can ask Nion for a text-based analysis summary and copy it.
Q. Can I view analysis for a specific period?
Yes, select a period from the top filter to see results for that timeframe. You can also specify periods in chat, e.g., “Analyze my March spending.”
Q. Can I add custom categories?
Categories are automatically classified by the AI when recording expenses. Custom category creation is not currently supported, but you can correct misclassified entries.