Groups, Categories & Indicators

Groups & Categories

Within the overview summary, income and expenditure are broken down into the following groups and categories:

Group: Income

Employment and/or Self-employmentNet income from wages, salaries, and self-employment earnings
BenefitsNet income from benefits, including child benefits
Other incomeNet income from any other sources, such as rental properties or pensions

Group: Essential Expenditure

Mortgage and rentAll costs related to mortgages and rent
Transportation and travelExpenses such as car maintenance, commuting, flights and hotel stays
UtilitiesExpenses such as water, gas, electricity, phone, and broadband services
Groceries and shoppingSpending on food and other supermarket purchases
Credit cards and loansPayments for personal loans and credit card bills
Cash withdrawalATM or other cash withdrawals
Insurance premiumsPayments for various types of insurance including home, pet, and accident insurance
PetcareCosts related to pet food and maintenance
TaxTaxes paid, including council tax
HealthcareExpenses related to healthcare services and products
EducationSpending on educational expenses
Other essential expenditureAny other essential expenses not categorised above (e.g., childcare)

Group: Non-Essential Expenditure

EntertainmentSpend at restaurants, bars, and other entertainment venues
TV and subscriptionsPayments for for TV and online services such as Netflix and Amazon Prime
SavingsTransfers to savings accounts
GamblingExpenses or income related to gambling
ShoppingSpending on general retail, online shopping, clothing etc
Other non-essential expensesAny other non-essential expenditure not categorised above

Group: Other

OtherMiscellaneous expenditures not categorised above
Other inflowsIncoming transfers not categorised above
TransfersTransfers between accounts


The following indicators are returned as part of the overview:

BenefitsTransactions showing the receipt of benefit payments
ChildrenTransactions indicating the presence of children or dependents
GamblingTransactions related to gambling income or expenses
High value transactionsAny single transaction amounting to £10,000.00 or more
InsuranceTransactions show payments for insurance premiums
Loans (excluding credit cards)Transactions relating to loans payments, excluding those for credit cards