Your spending breakdown
Understand where your money really goes with a breakdown of your expenses by category.
Knowing how much you spend is good. Knowing where your money goes is what truly changes your decisions. The spending breakdown categorizes your outgoings to reveal your real expense items. This page explains how to read it and how to refine it.
What this chart is for
On your dashboard, the spending breakdown groups all your outgoings by category for the selected period. At a glance, you can see which items weigh the most and which are under control. This is the starting point for deciding where to take action.
How to read the breakdown
Each segment represents a spending category, and its size reflects its weight in your budget. The larger a category is, the more of your money it consumes over the period. You can change the period at the top of the dashboard to compare a busy month to a quiet one.
What the breakdown tells you
- Your dominant categories
- The categories that take the largest share of your spending, where a saving has the most effect.
- The surprises
- An unusually large category over a period can reveal a forgotten expense or a subscription that has climbed.
- Your balance
- A breakdown too concentrated on a single category makes your budget fragile against the unexpected.
Look at the breakdown over 30 days, then over 3 months. A category that grows from one month to the next deserves your attention.
Category taxonomy
Noryo automatically classifies your transactions into a category taxonomy: housing, transport, food, leisure, health, and many others. This classification directly feeds into the breakdown. The better your transactions are categorized, the more accurately the breakdown reflects your reality.
- Housing (rent, charges, energy).
- Transport (fuel, public transport, maintenance).
- Food (groceries, restaurants).
- Leisure, health, subscriptions, and other categories too.
Correcting a misclassified category
If a transaction falls into the wrong category, your breakdown will be distorted. You can recategorize a transaction from its details. Even better, create a rule like all payments from this merchant so that future similar payments are automatically classified.
Open the transaction
Tap the misclassified operation in your transaction list.
Change the category
Select the right category in the operation details.
Create a rule
Apply the choice to all future payments from the same merchant so you do not have to do it again.
Cash payments do not appear in your bank accounts. Add them as manual expenses so the breakdown reflects your entire budget.
From analysis to action
Once you’ve identified your spending items, turn observation into decision. The category that exceeds your expectations is the best candidate for a budget: set a limit, and Noryo will alert you before you overspend.
Frequently asked questions
Why does an Other or Uncategorised category appear?
Some operations cannot be classified automatically. Recategorise them so they join the right category and refine your breakdown.
Does income appear in the breakdown?
No, the breakdown only covers your spending. To compare money coming in and going out, look at the cash flow.
Can I see the breakdown for a single account?
You can explore your transactions filtered by account or by bank to isolate the spending of a specific account.
Going further
The breakdown tells you where your money goes. The cash flow tells you if enough is coming in. The two complement each other for a complete picture.
Compare your money coming in and going out month after month.