Personal Cash-Flow Ledger
Where the
money
went
Three statement cycles · Feb 12 → May 12, 2026 · Chase ••8567
Prepared
Jun 2026
Basis
debits only
Total Spend
across 3 cycles
Avg / Month
tracked spending
Top Category
Composition
share of every dollar spent, by category
total
By statement cycle
stacked monthly outflow — note the March–April spike
The full breakdown
Category
Total
Share
Feb–Mar
Mar–Apr
Apr–May
Total spend
100%
Fixed vs Discretionary
Recurring vs
one-time
subscriptions that hit every cycle, separated from one-off purchases
Recurring Run-Rate
Recurring · 3 cycles
One-Time · 3 cycles
The split
every dollar — locked-in vs one-off
Recurring
One-time
Recurring by month
your subscription nut is steady — the spikes are one-offs
The subscription roster
~monthly = 3-cycle total ÷ 3. Tools that appeared only once (Foreplay, BePresent, Quillbot) are understated here.
Service
Type
~ / month
~ / year
3-cycle total
What the numbers are telling you