Cashflow insights

Oinkly spots patterns in your imported transactions — spending trends, regular outgoings and a 30-day outlook — as information to notice, never as financial advice.

If you import transactions, Oinkly can show you patterns in how money comes in and goes out. These are observations to help you notice things — not financial advice, and not predictions.

What you'll see

Spending trends compare your recent spending with your usual baseline. This needs around six months of data to be reliable, so it builds up over time.
Forward pressure is a 30-day look ahead at expected outgoings against the money you can actually reach, with a simple Low-to-High badge.
Regular outgoings are the payments that repeat — subscriptions, bills — with a confidence badge showing how sure Oinkly is that each is genuinely regular.
Weekly rhythm shows when money tends to come in and go out across the week.

Reading it honestly

The coverage ratio tells you how well your available money covers what's expected to go out; above 1 means it's covered. Everything here is descriptive — it reflects what your transactions show, and it's only as complete as the statements you've imported.

Good to know

Cashflow insights lean on imported data, so they're most useful once you've brought in a few months of statements. If something looks wrong, it usually means a statement is missing or a transaction is miscategorised.