Overview

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Warning

Each request / re-request for the Insights Report is a separate chargeable event, but you can download a previously generated report as many times as you wish without additional cost.

Summary

We provide the functionality to request a report formatted as an Excel spreadsheet that summarises all the data available under a case including:

• Income Analysis
  • Returns the same data you can find in our Income & Employer Verification endpoints here
• Affordability Analysis
  • Returns the same data you can find in our Affordability Analysis endpoints here
• Payslip Completeness
  • Returns the result of running the Last 3 months of payslips Completeness Checklist for the case which can be found under the Validation Checklist endpoints
• Bank Statement Completeness
  • Returns the result of running the Last 3 months of bank transactions Completeness Checklist for the case which can be found under the Validation Checklist endpoints

The aim is to provide a summary of all the financial information extracted from the provided documents in a format that you can include in your own workflow. This functionality can be found in our Portal by going to any case and navigating to the "Insights" tab.

From here you'll be able to make a new request, or download a previously requested report. Once requested the report will be static to the point in time it was created - i.e. if you request a report, then upload more bank statements, payslips etc that affect the finances you'll need to re-request the report for this information to be included.

The report is also available via our API, and you can find the API reference here.

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Note

A report will only contain the data that is available for a case i.e. if you have not provided any files that can be used in either income or affordability analysis then you will not see these tabs in the generated report.

Income & Normalisation

As part of our calculations in the Income tab of the spreadsheet we will (among other things) calculate a monthly normalised amount per income source to show you what on any given month a person's likely income will be. We do this by grouping all the bank statements uploaded per account, and then finding all the income transactions. We do more than a simple average of the amount to try and avoid over/under inflating a person's "true" income as the following factors can skew an average over multiple months:

• The number of working days in each month not being the same
• The amount a person is paid from their job varying from paycheck to paycheck (e.g. they have irregular hours, overtime, commission etc)
• The frequency someone is paid (e.g. Weekly, TwoWeekly, Monthly etc)
• Someone might provide three or more months of bank statements, but only have a few weeks of actual income

As a high level summary we try to "normalise" each distinct income source with the following steps:

• We extract the start and end of the statement period from all the related bank statements for an account
• We then create a multiplier figure that is used to calculate how much a person is likely to bring in on any given month between the start and end of the statement period
• We calculate a "normalised" value for the group of related income transactions by dividing the transaction amount by the multiplier (and rounding the result)

This is perhaps best understood with the example below:

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Worked example

Let's say you provide the current account bank statements for John Smith for June, July, and August with a start and end date range of 2025-06-01 to 2025-08-31 giving a period of 91 days.

He is paid the same amount of 1450.43 every month on the 1st and we have transactions showing this for 2025-06-01 and 2025-07-01 but nothing for the month of August (so we're missing around ~30 days of expected income).

• First calculate the multiplier. We work out what a day is worth from the number of months divided by the number of days. We can then multiply this by the period :

91 * (12 / 365) ≈ 2.99 (which gets rounded to 3)

• With this multiplier we can then divide the amount of each transaction (1450.43) by the multiplier (3) to get the final amount that represents for the 91 day period how much income a person is likely to have in any given month from this specific source:

1450.43 / 3 ≈ 483.48 (rounded up from 483.47666...)

This will look something like the following in the Insights Excel Report:

If we had simply calculated the daily income by dividing the amount by the average number of days in any given month (30.44):

1450.43 / 30.44 = 47.65 (rounded)

Then multiplied this by the total number of days in the period:

47.65 * 91 = 4336.15

Then divided this by the number of months we have statements for to get a monthly figure (3):

4336.15 / 3 = 1,445.38

Then we would have massively over inflated the income for John as he has only received £2,900.86 in income over the entire statement period, but we would have been suggesting that for any single month from June, July and August he would have around £1,445.38 available as income.

Note: there are additional calculations that have been left out of the above example for ease of explanation that handle edge cases around individuals with non-monthly salaries among other things.