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Open report ↗Download report ↓Get public URL (1 h) ↗A self-contained spending breakdown by category, with a year selector.
Where your money goes
Average monthly spending by category in 2025 (full months only). Hover a flow for details.
Insights
Your biggest opportunity is not one giant bill — it is repeated convenience spending, especially food, retail, and subscriptions, that stays active almost every month.
The controllable side of the report is concentrated in repeated merchants: Pizza Pizza, Starbucks, Tim Hortons, Canadian Tire, Dollarama, Indigo, Apple.com/bill, and delivery apps. Fixed or semi-fixed items like Goodlife Fitness, Bell Canada (ob), Bell Mobility Verdun, Netflix.com, and Spotify need review rather than impulse-cutting, because the issue is whether they are still intentional. The most important anomaly is December, where several discretionary categories surged together instead of one category explaining the month. Fuel is the main lumpy area to separate from lifestyle spend, especially the August spike.
Findings
Your restaurant spend is not being driven by rare splurges — it is a high-frequency habit across pizza, coffee, and delivery. The totals understate the behavioural pattern: several merchants show up in most of the year, so small convenience decisions are doing more damage than any single restaurant night.
Pizza Pizza: ~$3,100 | 29 txns | 11mo; Starbucks: ~$2,700 | 28 txns | 11mo; Tim Hortons: ~$2,500 | 20 txns | 11mo; Uber Eats: ~$1,300 | 14 txns | 7mo; Skip*the Dishes: ~$1,000 | 11 txns | 6mo; Uber * Eats Help.uber.ca: ~$600 | 8 txns | 7mo.
December was not just a normal seasonal bump; multiple discretionary categories peaked together. That suggests the risk is not one holiday bill to plan for, but a year-end loss of friction across food, retail, and alcohol at the same time.
December total was ~$6,500, with Restaurants / coffee / snacks at ~$1,400, Retail / household / home improv at ~$1,900, Groceries at ~$1,000, and Alcohol / cannabis at ~$700.
Your subscription picture is likely messier than it looks from the category total. Netflix.com has more transactions than months, and Spotify appears under two merchant names, so this is worth auditing for duplicate plans, add-ons, or family/member billing overlap.
Apple.com/bill: ~$1,500 | 12 txns | 8mo; Netflix.com: ~$400 | 23 txns | 12mo; Spotify P: ~$150 | 12 txns | 12mo; Spotify: ~$100 | 11 txns | 11mo.
The telecom category looks clean and stable, but the merchant rollup shows a second Bell stream that may not be obvious in the monthly category view. If both are active personal services, your real telecom footprint is larger than the neat ~$80 line suggests.
Bell Canada (ob): ~$1,000 | 12 txns | 12mo; Bell Mobility Verdun: ~$900 | 11 txns | 11mo; Telecom / utilities is a flat ~$80 every month.
Retail is not just a few home-improvement projects; Canadian Tire and Dollarama are near-monthly drips, while Indigo adds a separate discretionary layer. The late-year retail ramp suggests a habit that accelerates when holiday spending starts.
Canadian Tire: ~$2,800 | 30 txns | 12mo; Dollarama: ~$1,500 | 18 txns | 11mo; Indigo: ~$2,000 | 17 txns | 8mo; Retail / household / home improv rose to ~$1,000 in October, ~$1,000 in November, and ~$1,900 in December.
Fuel has one clear lumpy month, but the broader pattern is frequent spending across several stations. If August was travel or a temporary driving change, treat it as a planned irregular cost; if not, it is a signal that routine driving costs may be drifting upward.
Gas / fuel hit ~$1,300 in August versus the category’s ~$600 average; fuel also appears across Petro-Canada: ~$2,000 | 21 txns | 10mo, Petro-canada Guelph: ~$1,300 | 14 txns | 9mo, Esso Hamilton: ~$1,400 | 14 txns | 9mo, and Esso Circle K Hamilton: ~$1,300 | 14 txns | 9mo.
Watch-outs
- Watch for delivery spend moving between Uber Eats, Skip*the Dishes, and Uber * Eats Help.uber.ca after you cap one of them.
- Keep an eye on Netflix.com transaction frequency; 23 txns in 12mo deserves a billing review.
- Spotify P and Spotify appearing separately may be harmless, but it should not remain unaudited.
- Canadian Tire and Dollarama are near-monthly retail drips; they are easy to rationalize individually and hard to see collectively.
- If December repeats the same pattern, set the holiday spending plan before October rather than reacting after the statement closes.
Recommendations
- Put Pizza Pizza, Starbucks, Tim Hortons, Uber Eats, Skip*the Dishes, and Uber * Eats Help.uber.ca on a single weekly cap rather than managing them merchant by merchant.
These are the same underlying behaviour spread across multiple names: frequent convenience meals and drinks. Capping the behaviour will work better than trying to trim one merchant while spend shifts to another. - Audit Apple.com/bill, Netflix.com, Spotify P, and Spotify before the next billing cycle; cancel duplicate, unused, or bundled services.
Apple.com/bill is large and intermittent, Netflix.com has 23 txns in 12mo, and Spotify appears as both Spotify P and Spotify. That combination is a classic sign of subscription creep. - Check whether Bell Canada (ob) and Bell Mobility Verdun are both intentional active services, and recategorize if one is hiding outside Telecom / utilities.
Telecom / utilities appears flat at ~$80, but the merchant rollup shows Bell Canada (ob) and Bell Mobility Verdun separately. You need the category view to reflect the real fixed monthly commitment. - Create a December rule: pre-set limits for Restaurants / coffee / snacks, Retail / household / home improv, and Alcohol / cannabis before holiday spending starts.
December was the only month where the total reached ~$6,500, and it was driven by several discretionary categories peaking together, not a single unavoidable bill. - Treat August-style fuel months as a sinking-fund item if they are travel-related; otherwise review driving patterns and station choices around Petro-Canada, Petro-canada Guelph, Esso Hamilton, and Esso Circle K Hamilton.
Gas / fuel hit ~$1,300 in August, far above the usual pattern shown in the monthly category line. That needs to be separated from everyday budget performance so it does not distort your baseline. - Decide whether Goodlife Fitness is a must-keep fixed expense or a candidate for downgrade/cancellation, based on actual usage.
Goodlife Fitness is one of the largest recurring merchants and appears in all 12mo. If it is heavily used, protect it; if not, it is too persistent to ignore.