Flow Analysis

Deep-dive into your income and expenditure patterns · FY 2026

Annual Income

¥4,370,000

+6.8%vs prev year

Annual Expense

¥3,040,000

+3.2%vs prev year

Net Savings

¥1,330,000

+18.4%vs prev year

Avg Savings Rate

31%

+4.2ppvs prev year

Avg Monthly Tx

+9 entriesvs prev year

Annual Income vs Expenditure

12-month flow with net savings band

IncomeExpenseNet

500K400K300K200K100K0

JanFebMarAprMayJunJulAugSepOctNovDec

Budget Allocation

Annual expense split

Housing38%

Food17%

Transport11%

Shopping14%

Healthcare7%

Entertainment6%

Net Flow Waterfall

How income sources and expense categories stack up

Spending Heatmap

Monthly expense intensity by category

HousingFoodTransportShoppingHealthEntertain.Subscript.

95K

38K

34K

42K

36K

40K

44K

35K

38K

43K

39K

41K

52K

22K

25K

28K

24K

27K

30K

23K

26K

29K

25K

28K

32K

28K

32K

35K

38K

42K

30K

25K

35K

38K

45K

48K

62K

12K

14K

18K

13K

15K

12K

14K

16K

18K

15K

17K

14K

10K

11K

15K

12K

14K

18K

12K

13K

16K

14K

15K

22K

11K

JanFebMarAprMayJunJulAugSepOctNovDec

Low

High

Year-over-Year Comparison

Income & expense by quarter

20252026

¥985K

¥1.0M

Income

¥705K

¥717K

Expense

¥1.1M

Income

¥740K

¥732K

Expense

¥1.1M

Income

¥720K

¥736K

Expense

¥1.1M

Income

¥890K

¥855K

Expense

Savings Rate Trend

Monthly savings as % of income

14%Mar

JanFebMarAprMayJunJulAugSepOctNovDec

Income Source Mix

Stacked monthly composition

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Salary

Freelance

Investment

Other

Key Findings

6 insights

Income Growth

Salary income grew +6.8% YoY. Freelance income doubled vs 2025.

Growth

December Spike

Dec spending was ¥352K — 42% above monthly average. Seasonal pattern detected.

Seasonal

Savings on Track

Average savings rate 31.8%, exceeding 30% target for 8 of 12 months.

Goal Met

Housing Concentration

Housing costs = 38.4% of expenses. Consider reviewing lease in renewal season.

Risk

Q4 Pattern

Q4 net flow historically lower due to holiday spending. Plan buffer fund by Oct.

Pattern

Investment Returns

Portfolio dividends up +28% vs 2025. Consider increasing monthly allocation.

Opportunity

Anomalies

Shopping Surge

Dec 2025 · Shopping

¥62,000

+78% vs avg

Food & Dining

Dec 2025 · Food

¥52,000

+24% vs avg

Entertainment

Jun 2025 · Entertain.

¥22,000

+47% vs avg

Healthcare Spike

Mar 2025 · Healthcare

¥18,000

+29% vs avg

Transport Rise

Dec 2025 · Transport

¥32,000

+14% vs avg

3-Month Forecast

Apr 2026

Inc

¥365K

Exp

¥248K

¥117K

May 2026

Inc

¥368K

Exp

¥252K

¥116K

Jun 2026

Inc

¥372K

Exp

¥258K

¥114K

Forecast based on 12-month rolling average with seasonal adjustment.

Monthly Summary Table

Full fiscal year breakdown

Month	Income	Expense	Net	Savings %	Tx Count	Status
Apr 2026	¥350,000	¥235,000	¥115,000	33%	58	On Target
Aug 2026	¥360,000	¥242,000	¥118,000	33%	69	On Target
Dec 2026	¥410,000	¥352,000	¥58,000	14%	51	At Risk
Feb 2026	¥345,000	¥230,000	¥115,000	33%	65	On Target
Jan 2026	¥340,000	¥240,000	¥100,000	29%	63	Below Target
Jul 2026	¥355,000	¥238,000	¥117,000	33%	56	On Target
Jun 2026	¥370,000	¥252,000	¥118,000	32%	53	On Target
Mar 2026	¥362,000	¥247,000	¥115,000	32%	53	On Target
May 2026	¥365,000	¥245,000	¥120,000	33%	56	On Target
Nov 2026	¥370,000	¥255,000	¥115,000	31%	51	On Target
Oct 2026	¥368,000	¥248,000	¥120,000	33%	72	On Target
Sep 2026	¥375,000	¥256,000	¥119,000	32%	70	On Target
Annual Total	¥4,370,000	¥3,040,000	¥1,330,000	31%	717