English
Spending Optimization
Spending optimization focuses on large transactions: it picks out the large income and expenses "worth reviewing individually", shows their distribution and share, and helps you find room to cut back.
Where to find it
| Platform | Location |
|---|---|
| Web app | Left menu "Insights & Analysis → Spending Optimization" |
| Other platforms | Data related to large transactions is being added to the analysis pages of other platforms gradually |
What counts as a large transaction
Default thresholds for large transactions:
| Type | Default threshold |
|---|---|
| Income | A single entry ≥ ¥1,000 |
| Expense | A single entry ≥ ¥500 |
You can adjust the thresholds to fit different income levels and spending habits.
What you will see
- Large transaction overview: total large expenses, total large income, and the share and number of entries that large transactions take in total expenses
- Amount range distribution: how large expenses are distributed across amount ranges (such as 500~1000, 1000~2000), so you can quickly spot "the biggest part of the large expenses"
- Category distribution: which categories large expenses concentrate in
- Detail list: the date, category, amount, and note of each large transaction; tap to see details
How to use it
- Look at the category distribution first and find the 1–2 categories where large expenses are most concentrated
- Open the detail list and review entry by entry: which are necessary costs (rent, tuition), and which can be optimized (impulsive big purchases, splitting installments into batch payments)
- Set rules for the large expenses that can be optimized: set a budget cap, or add a tag to similar spending for continuous tracking
- Come back next month and compare to verify the effect of the optimization
Large does not mean bad
Large expenses such as rent, tuition, and medical bills are necessary living costs. What spending optimization does is "identify and distinguish", not blanket cutting.