Within the overview summary, income and expenditure are broken down into the following groups and categories:
| Category | Description |
|---|
| Employment and/or Self-employment | Net income from wages, salaries, and self-employment earnings |
| Benefits | Net income from benefits, including child benefits |
| Other income | Net income from any other sources, such as rental properties or pensions |
| Category | Description |
|---|
| Mortgage and rent | All costs related to mortgages and rent |
| Transportation and travel | Expenses such as car maintenance, commuting, flights and hotel stays |
| Utilities | Expenses such as water, gas, electricity, phone, and broadband services |
| Groceries and shopping | Spending on food and other supermarket purchases |
| Credit cards and loans | Payments for personal loans and credit card bills |
| Cash withdrawal | ATM or other cash withdrawals |
| Insurance premiums | Payments for various types of insurance including home, pet, and accident insurance |
| Petcare | Costs related to pet food and maintenance |
| Tax | Taxes paid, including council tax |
| Healthcare | Expenses related to healthcare services and products |
| Education | Spending on educational expenses |
| Other essential expenditure | Any other essential expenses not categorised above (e.g., childcare) |
| Category | Description |
|---|
| Entertainment | Spend at restaurants, bars, and other entertainment venues |
| TV and subscriptions | Payments for for TV and online services such as Netflix and Amazon Prime |
| Savings | Transfers to savings accounts |
| Gambling | Expenses or income related to gambling |
| Shopping | Spending on general retail, online shopping, clothing etc |
| Other non-essential expenses | Any other non-essential expenditure not categorised above |
| Category | Description |
|---|
| Other | Miscellaneous expenditures not categorised above |
| Other inflows | Incoming transfers not categorised above |
| Transfers | Transfers between accounts |
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 amounting to £10,000.00 or more |
| Insurance | Transactions show payments for insurance premiums |
| Loans (excluding credit cards) | Transactions relating to loans payments, excluding those for credit cards |
