Accounts
Your single source of truth — every account, every transaction, one place.
First Direct Current Account
Sort: 40-47-86 · Acct: ****3091
£2,134.57
Recent Transactions
Auto-categorisedToday — 10 Feb 2026
Tesco Superstore
Groceries
-£67.43
Bal: £2,134.57
Trainline — Lancaster to Manchester
Transport
-£18.90
Bal: £2,202.00
9 Feb 2026
Domino's Pizza
Dining Out
-£24.99
Bal: £2,220.90
Shell — Carnforth Services
Fuel
-£58.02
Bal: £2,245.89
7 Feb 2026
Netflix
Subscriptions
-£10.99
Bal: £2,303.91
Amazon Marketplace
⚠️ Unusual — £89 above average
Shopping
-£124.99
Bal: £2,314.90
5 Feb 2026
Little Acorns Nursery
Childcare
-£680.00
Bal: £2,439.89
British Gas — DD
Utilities
-£142.00
Bal: £3,119.89
Council Tax — Lancaster CC
Home
-£168.00
Bal: £3,261.89
ACME Engineering Ltd — Salary
Income
+£2,680.00
Bal: £3,429.89
Nationwide Savings
Easy Access Saver · 4.25% AER
£8,240.00
Recent Transactions
1 Feb 2026
Interest Payment
Interest
+£28.42
5 Jan 2026
Transfer from First Direct
Transfer
+£200.00
Interest Payment
Interest
+£27.38
Vanguard Stocks & Shares ISA
2024/25 Allowance: £12,400 remaining
£14,820.00
Recent Activity
1 Feb 2026
Monthly contribution — FTSE Global All Cap
Investment
-£150.00
15 Jan 2026
Dividend — iShares MSCI World
Dividend
+£32.18
Barclaycard Platinum
Credit limit: £4,500 · Payment due 15 Feb
-£847.32
Recent Transactions
8 Feb 2026
Sainsbury's
Groceries
-£54.18
Boots Pharmacy
Health
-£12.49
3 Feb 2026
TK Maxx
⚠️ Unusual merchant
Shopping
-£79.99
Costa Coffee
Dining Out
-£4.85
HSBC Mortgage
Fixed 2yr · 4.19% · Remortgage Oct 2026
-£186,420.00
Recent Payments
1 Feb 2026
Mortgage Payment (DD)
Mortgage · £412 interest / £530 capital
-£942.00
1 Jan 2026
Mortgage Payment (DD)
Mortgage · £414 interest / £528 capital
-£942.00
Predicted Income (Feb)
£2,680
Based on last 6 months
Committed Outgoings
£2,187
Bills, DDs & standing orders
Forecast Disposable
£493
After all commitments
Upcoming — Next 30 Days
10 Feb – 12 Mar 2026Three Mobile
12 Feb · Direct Debit
High confidence
-£34.00
Barclaycard Payment
15 Feb · Direct Debit
High confidence
-£847.32
Sky Broadband
18 Feb · Direct Debit
High confidence
-£43.00
Admiral Car Insurance
22 Feb · Direct Debit
High confidence
-£48.60
HSBC Mortgage
1 Mar · Direct Debit
High confidence
-£942.00
ACME Engineering Ltd — Salary
5 Mar · Predicted
Based on pattern
+£2,680.00
British Gas
5 Mar · Direct Debit
Est. ±£15
-£142.00
Little Acorns Nursery
5 Mar · Standing Order
High confidence
-£680.00
23 days until payday · 5 March 2026
£427
Predicted balance on payday
Committed Spending (remaining this month)
Barclaycard Payment (15 Feb)-£847.32
Three Mobile (12 Feb)-£34.00
Sky Broadband (18 Feb)-£43.00
Admiral Car Insurance (22 Feb)-£48.60
HSBC Mortgage (1 Mar)-£942.00
Total committed-£1,914.92
Estimated Discretionary
Groceries (est.)-£280.00
Fuel (est.)-£110.00
Dining & takeaway (est.)-£65.00
Other spending (est.)-£45.00
Savings transfer (planned)
-£200.00
Total estimated-£700.00