Savings Analysis & Wealth Growth

This page answers two long-term questions: how much you can save each month (savings analysis), and whether your assets are growing steadily (wealth growth).

Where to find it

Platform	Location
Web app	Left menu "Insights & Analysis → Savings Analysis" (you can switch to the wealth growth view within the page)
Desktop app	Left navigation "Analysis → Savings Analysis / Wealth Growth"
Android app	Savings-related analysis (being aligned gradually)

Basic definitions

Metric	Definition
Savings	Income − expenses
Savings rate	Savings ÷ income, the proportion of income that is saved
Expense-to-income ratio	Expenses ÷ income, the proportion of income that is spent

Savings analysis

• Yearly view: total savings for the year, the savings rate, and the month-by-month distribution, to find the month with the most savings
• Monthly view: the savings amount, savings rate, and day-by-day details of a single month, to see "which days were for saving and which days were for spending"
• Trend curve: how savings change month by month. Several negative months in a row means you are spending more than you earn — be alert

Reference benchmarks

For most people, keeping the savings rate above 20%~30% is fairly healthy; an expense-to-income ratio above 80% deserves attention. The exact standard varies from person to person and is for reference only.

Wealth growth

Wealth growth shows how your total assets change month by month as a net worth timeline:

• A rising curve = the balance is accumulating; a flat or falling curve = income cannot cover expenses or large amounts are being consumed
• Combine it with the balances of your fund accounts and the changes in debt management to understand where the asset changes come from
• Some platforms give a future forecast based on historical trends. The forecast is for reference only and does not constitute any investment or spending advice

How to use it

1. Monthly review: look at this month's savings amount and savings rate, and compare against your savings plan target
2. Quarterly review: look at the slope of the net worth curve to assess the long-term trend
3. Before a large purchase: check the forecast and your current balance first to assess the impact on the plan

Related pages

• Savings Plan
• Debt Management
• Health Score