---
title: "How to use analytics in Wealtie to see where your money goes"
description: "How to use analytics in Wealtie: the monthly view on Free, spike days and averages, filters, and the extra periods and income insights on Pro."
author: "Wealtie Team"
published: 2026-11-10
updated: 2026-11-10
category: "Using Wealtie"
canonical: https://wealtie.com/blog/use-analytics-in-wealtie
---

# How to use analytics in Wealtie to see where your money goes

To use analytics in Wealtie, open Analytics and look at your month by category, against the month before, with the days that pushed spending up marked. That view is on the Free plan, and Pro adds other periods and income insights.

## Key takeaways

- Wealtie's monthly analytics show every category, the month against the one before, spike days and your daily, weekly and monthly averages.
- The monthly view is on the Free plan.
- Pro adds other periods, like a week, a quarter, a year or a custom range, and the income side.
- Income insights on Pro include a stability score out of 100, a projection with a confidence level, and what you kept.

## How do you use analytics in Wealtie?

Open Analytics and start with the monthly view. It splits your month by category, sets it against the month before, and marks the days that pushed spending up. Your daily, weekly and monthly averages are worked out for you.

All of that is on the Free plan. It only works as well as your logging, so a month with gaps will look cheaper than it was.

## What does the monthly view show?

Five things, all on Free:

- Your month, against the month before it
- Every category, with what each one came to
- The spikes, and the transactions behind them
- Daily, weekly and monthly averages
- Filters by category, by account and by type

Start with the comparison. If this month is well above last month, the category breakdown shows where the difference came from. Then look at the spikes.

## What are spike days?

Days when spending jumped well above your usual level. Wealtie marks them as Moderate, High or Extreme, and you can see the transactions behind each one.

Planned spikes, like the day rent goes out or the day of the big monthly shop, aren't a worry. The useful ones are the surprises. Spike days are often where the useful answers are. A Saturday with a big shop and a dinner out, or a Friday that always ends with a takeaway, shows a pattern you can do something about. If the same day of the week keeps showing up, that's the habit to look at.

## How do the averages help?

They turn a monthly total into a number you can act on. If your daily average is 45 and you'd like to spend 1,200 in a month, that's about 40 a day, so you know roughly how much to trim. The weekly average is useful if you get paid weekly or think in weeks.

If you log income too, comparing income and spending month to month shows whether you're getting ahead, even before you've set a budget. Compare averages across a few months to see a trend. One unusual month can be noise. Three months in the same direction is a pattern.

## How do you use the filters?

Filter by category to look at one area on its own, like eating out across the month. Filter by account to see what a single card or a cash wallet was used for. Filter by type to separate spending from income.

If you keep a separate card for subscriptions, or share a card with someone, the account filter shows it on its own, which makes it easy to review. A useful habit: at the end of the month, filter to your largest category and scroll through it. You'll often find a few purchases you'd forgotten about.

## What does Pro add?

Two things. The first is any period other than the month: Weekly, Quarterly, Yearly, or a Custom Range you choose. That helps for a trip, a quarter's freelance income, or comparing this year with last.

The second is the income side:

| Income insight | What it tells you |
| --- | --- |
| Sources | Where your income comes from |
| Stability score | How much your income moves about, out of 100 |
| Projection | What's likely to land next period, with a confidence level |
| Expected against actual | The gap between what you expected and what came |
| What you kept | Income against expenses, and the share you still have |

The stability score is described in plain words: Stable from 71 to 100, Moderate from 41 to 70, and Variable from 0 to 40. The projection is built from income you've set to repeat. These are especially useful if you freelance or earn commission, and the guide on how to [budget on irregular income](https://wealtie.com/guides/irregular-income-budget) explains how to use them.

## How often should you look?

A quick check once a week, and a proper look at the end of each month. The weekly check catches a spike while you can still change the rest of the month. The monthly look is for patterns. Make it a habit on the same day each month, just after payday, with one question: what's the one thing I'd change next month?

If you've set a budget, Budget Health tells you mid-month whether you're on pace, and analytics then shows why. [Budget Health explained](https://wealtie.com/blog/budget-health-explained) covers the warning.

## How do you get more out of analytics?

Use categories that match the decisions you make. If everything lands in "Other", the breakdown won't tell you much. [Setting up categories in Wealtie](https://wealtie.com/blog/set-up-categories-in-wealtie) has a list that works for most people.

The full list of what's included is on the [spending analytics](https://wealtie.com/features/analytics) page, and the [income tracker](https://wealtie.com/income-tracker) page covers the income side.

## Questions people ask

### What can I see in Wealtie analytics for free?

Your month by category, against the month before, with spike days marked, the transactions behind them, and your daily, weekly and monthly averages. You can filter by category, account and type.

### What does Wealtie Pro add to analytics?

Other periods, such as a week, quarter, year or custom range, and the income side: sources, a stability score, a projection, expected against actual, and what you kept.

### What is the income stability score?

A score out of 100 for how much your income moves about. Wealtie calls 71 to 100 Stable, 41 to 70 Moderate and 0 to 40 Variable.

### What are spike days in Wealtie?

Days when spending jumped well above your usual level, marked Moderate, High or Extreme, with the transactions behind them.

*This article is general information, not financial, tax or legal advice. Your situation is your own; check the numbers that apply to you before you act on them.*