Finance Pulse — June 2025
Snapshot covering 2025-06-01 through 2025-06-30.
Headline numbers
- Transactions logged: 131
- Raw income: $2,024.60
- Raw expenses: $20,526.90
- Raw net: $-18,502.30
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $2,024.60
- Organic expenses: $20,526.90
- Organic net cashflow: $-18,502.30
- Organic savings rate (API-income denom): -913.9%
- Personal take-home (incl. RDCO owner draws + wife transfers): $5,843.38
- True savings rate (take-home denom): -251.3%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|---|---|---|
| 1 | Taxes | $5,095.12 | 24.8% |
| 2 | Mortgage | $4,106.62 | 20.0% |
| 3 | Cash & ATM | $3,000.00 | 14.6% |
| 4 | Auto Payment | $2,109.47 | 10.3% |
| 5 | Shopping | $1,704.47 | 8.3% |
| 6 | Restaurants & Bars | $1,329.05 | 6.5% |
| 7 | Medical | $827.93 | 4.0% |
| 8 | Miscellaneous | $612.55 | 3.0% |
| 9 | Gas & Electric | $540.06 | 2.6% |
| 10 | Groceries | $509.66 | 2.5% |
Income by category (organic only)
| Category | $ |
|---|---|
| Paychecks | $1,656.00 |
| Interest | $247.15 |
| Other Income | $121.45 |
Outlier transactions (>=$10k or flagged)
None.
Notable observations
- RDCO owner-draw inflows to personal accounts this month: $5,843.38
- Organic burn this month — expenses exceeded organic income by $18,502.30.
- Expense concentration: Taxes alone is 24.8% of monthly spend ($5,095.12).