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Spending Structure
Spending structure breaks expenses down into several classic dimensions: the ratio of fixed to variable expenses, the rhythm of the spending cycle, and the share of food spending (the Engel coefficient), helping you understand "how the money is being spent".
Where to find it
| Platform | Location |
|---|---|
| Web app | Left menu "Insights & Analysis → Spending Structure" |
| Desktop app | Left navigation "Analysis → Spending Structure" |
| Android app | Category share statistics (being aligned gradually) |
Fixed expenses vs variable expenses
| Type | Definition | Typical examples |
|---|---|---|
| Fixed expenses | Costs that stay roughly the same every month and are hard to cut | Rent, mortgage, phone bill |
| Variable expenses | Costs with more flexibility that can be optimized | Dining, shopping, entertainment |
To save money, start with variable expenses; adjusting fixed expenses usually involves major decisions (moving, changing plans).
Spending cycle
Observe the spending rhythm by week or by month and find the patterns:
- Which days of the week you spend the most (weekday lunches vs weekend dinners)
- Spending peaks at the start, middle, and end of the month (the payday effect)
Engel coefficient
Engel coefficient = food expenses ÷ total expenses, a classic measure of spending structure:
- The higher the coefficient, the larger the share of spending that goes to food
- It is neither good nor bad in absolute terms, but the trend is worth watching — it means more when viewed together with Savings Analysis
How to use it
- Find the category with the largest share and judge whether it is fixed or variable
- Set reduction targets for the biggest variable expenses (usually dining and shopping), and carry them out together with a budget
- Review the structural changes every month to confirm the optimization is working