Finance Pulse — April 2022
Snapshot covering 2022-04-01 through 2022-04-30.
Headline numbers
- Transactions logged: 113
- Raw income: $59.75
- Raw expenses: $16,261.86
- Raw net: $-16,202.11
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $59.75
- Organic expenses: $16,261.86
- Organic net cashflow: $-16,202.11
- Organic savings rate (API-income denom): -27116.5%
- Personal take-home (incl. RDCO owner draws + wife transfers): $9,493.00
- True savings rate (take-home denom): -71.3%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|
| 1 | Taxes | $5,578.00 | 34.3% |
| 2 | Mortgage | $3,792.75 | 23.3% |
| 3 | Travel & Vacation | $2,734.02 | 16.8% |
| 4 | Restaurants & Bars | $1,056.07 | 6.5% |
| 5 | Miscellaneous | $783.04 | 4.8% |
| 6 | Auto Payment | $658.72 | 4.1% |
| 7 | Groceries | $567.96 | 3.5% |
| 8 | Gas & Electric | $463.09 | 2.8% |
| 9 | Internet & Cable | $135.80 | 0.8% |
| 10 | Gas | $104.04 | 0.6% |
Income by category (organic only)
| Category | $ |
|---|
| Other Income | $59.74 |
| Interest | $0.01 |
Outlier transactions (>=$10k or flagged)
| Date | Amount | Merchant | Category | Account | Classification |
|---|
| 2022-04-29 | $13,500.00 | Mammoth Growth L Ray Data Ievdhmu Doux Merchant Name | Transfer | 1 - Income (…3578) | one-time |
Notable observations
- RDCO owner-draw inflows to personal accounts this month: $9,493.00
- Organic burn this month — expenses exceeded organic income by $16,202.11.
- Expense concentration: Taxes alone is 34.3% of monthly spend ($5,578.00).