Each transaction used for affordability insights is organized into Groups and Categories. Some Categories are further divided into Subcategories, providing a more detailed view of each transaction.

Summary of Groups, Categories, & Subcategories

Here is a summary of all the Groups, Categories, and Subcategories:

Group	Category	Category description	Subcategories
Income	Employment and/or Self-employment	Net income from wages, salaries, and self-employment earnings
Income	Benefits	Net income from benefits, including child benefits	• Child benefit • Universal credit • Disability allowance • Job seeker's allowance • Tax credits • Other
Income	Other income	Net income from any other sources, such as rental properties or pensions	• Property • Pensions • Dividends • Other
Essential Expenditure	Mortgage and rent	All costs related to mortgages and rent
Essential Expenditure	Transportation and travel	Expenses such as car maintenance, commuting, flights and hotel stays	• Fuel • Public transport • Road tax • Travel • Other
Essential Expenditure	Utilities	Expenses such as water, gas, electricity, phone, and broadband services	• Water • Energy • TV licence • Phone and broadband • Other
Essential Expenditure	Groceries and shopping	Spending on food and other supermarket purchases
Essential Expenditure	Credit cards and loans	Payments for personal loans and credit card bills
Essential Expenditure	Cash withdrawal	ATM or other cash withdrawals
Essential Expenditure	Insurance premiums	Payments for various types of insurance including home, pet, and accident insurance
Essential Expenditure	Petcare	Costs related to pet food and maintenance
Essential Expenditure	Tax	Taxes paid, including council tax	• Council tax • Other
Essential Expenditure	Healthcare	Expenses related to healthcare services and products
Essential Expenditure	Education	Spending on educational expenses
Essential Expenditure	Childcare	Expenses for daycare, or other children related activities
Essential Expenditure	Pension contributions	Payments made towards personal or workplace pension plans
Essential Expenditure	Other essential expenditure	Any other essential expenses not categorised above (e.g., childcare)
Non-Essential Expenditure	Entertainment	Spend at restaurants, bars, and other entertainment venues	• Dining out and takeaways • Hobbies • Gym • Other
Non-Essential Expenditure	TV and subscriptions	Payments for TV and online services such as Netflix and Amazon Prime
Non-Essential Expenditure	Savings	Transfers to savings accounts
Non-Essential Expenditure	Gambling	Expenses or income related to gambling
Non-Essential Expenditure	Shopping	Spending on general retail, online shopping, clothing etc.	• Clothing • Other
Non-Essential Expenditure	Home maintenance and repairs	Costs related to home upkeep, renovations, and repair services
Non-Essential Expenditure	Other non-essential expenses	Any other non-essential expenditure not categorised above
Other	Other inflows	Incoming transfers not categorised above
Other	Transfers	Transfers between accounts
Other	Other	Miscellaneous expenditures not categorised above

Comprehensive Breakdown of Categories & Subcategories

Some categories are further divided into Subcategories for more specific insights::

Category: Benefits

Subcategory	Description
Child benefit	A regular payment provided to parents or guardians to help with the costs of raising children
Universal credit	A payment to help with living costs for individuals or families
Disability allowance	Financial support for individuals with disabilities to help cover the extra costs associated with their condition
Job seeker's allowance	A benefit paid to individuals actively seeking employment to help cover living expenses
Tax credits	Payments provided to working individuals or families to support low-income earners or those with children
Other	Any other government-provided benefits, such as housing benefit or pension credit

Category: Other income

Subcategory	Description
Property	Income generated from property rentals or other property-related earnings
Pensions	Payments received from personal, workplace, or state pension schemes after retirement
Dividends	Earnings distributed to shareholders from company profits or investment funds
Other	Any other income sources, such as inheritance, gifts, or investments

Category: Transportation and travel

Subcategory	Description
Fuel	Costs for petrol, diesel, or other fuels used for personal or business vehicles
Public transport	Expenses for buses, trains, trams, or other public transportation services
Road tax	Payments for vehicle tax
Travel	Expenses related to travel, such as hotels, flights and holiday companies
Other	Any other transportation-related costs, such as parking or tolls

Category: Utilities

Subcategory	Description
Water	Costs for water supply and wastewater services
Energy	Expenses for electricity, gas, or other energy sources used in a household or business
TV licence	Fees paid for a television license, required to legally watch TV broadcasts
Phone and broadband	Payments for mobile phone, landline, and internet services
Other	Any other utility-related expenses, such as waste disposal fees

Category: Tax

Subcategory	Description
Council tax	Local government tax levied on residential properties to fund local services
Other	Any other taxes

Category: Entertainment

Subcategory	Description
Dining out and takeaways	Expenses for eating at restaurants, cafes, and ordering takeaway food
Hobbies	Spending on personal interests, leisure activities, and recreational pursuits
Gym	Payments for gym memberships
Other	Any other discretionary entertainment spending

Category: Shopping

Subcategory	Description
Clothing	Expenses for purchasing apparel, shoes, accessories, and other personal wear
Other	Any other shopping expenses

Indicators

Indicators are key markers that highlight certain features or trends in the data. The following indicators are returned as part of the overview:

Indicator	Description
Benefits	Transactions showing the receipt of benefit payments
Children	Transactions indicating the presence of children or dependents
Gambling	Transactions related to gambling income or expenses
High value transactions	Any single transaction exceeding a specific threshold amount, e.g. £10,000 or more
Insurance	Transactions show payments for insurance premiums
Loans (excluding credit cards)	Transactions relating to loans payments, excluding those for credit cards