Reports

Net Worth
AED 626.8K
+1.2%vs last
Monthly Income
AED 30.5K
Consistent monthly income
Monthly Expenses
AED 22.8K
+0.4%vs last
Savings Rate
25.2%
Above target
Financial Overview
Your complete financial picture for October 2025
Updated Today
AED 30,500
Total Income
This Month
AED 22,800
Total Expenses
-145.2% vs last month
AED 7,700
Total Savings
+16.7% vs last month
AED 627K
Net Worth
+17.9% YoY

Performance Metrics

Budget Utilization73%
AED 6156 remaining this month
Goal Progress68%
3 of 5 goals on track for completion
Savings Rate
25.245901639344265%
Above recommended 20% target

6-Month Trend

Aug 2025
Net Worth: AED 611K
AED 7,900
Saved
Sep 2025
Net Worth: AED 619K
AED 7,800
Saved
Oct 2025
Net Worth: AED 627K
AED 7,700
Saved
AI Financial Insights
Savings Rate Improvement
Your savings rate increased to 44%, exceeding the recommended 20% target
+5.2% vs last month
Expense Control
Monthly expenses decreased by AED 100, showing good budget discipline
Within budget limits
Dining Spending
Restaurant expenses are 23% above category average for UAE residents
Consider optimization
Goal Achievement
Emergency fund goal is 94% complete, ahead of schedule
2 months early
Cash Flow Analysis
Monthly income vs expenses flow
AED 7,700
Net Cash Flow
-1.3%
25%
Cash Flow Ratio
Below Average
AED 627K
Total Assets
6-Month Growth
Cash Flow Insights
•Average monthly cash flow: AED 8,083.333
•Current month is below average by AED 383.333
•Income stability: Variable
Net Worth Analysis
Net worth growth over time
AED 627K
Net Worth
+1.2%
AED 631K
Total Assets
6 Categories
AED 4K
Total Liabilities
1% of Assets
UAE
UAE Market Context
UAE property values increased 8.2% YoY in Dubai market
Vehicle depreciation rate in UAE: 15-20% annually
Your net worth is above UAE expat median by 23%
Net Worth Insights
•Net worth increased by AED 7,450 (1.2%) this month
•Year-over-year growth: 17.9% (AED 95,000)
•Asset to liability ratio: 150.2:1
Spending Patterns
Expense breakdown by category
AED 13,314
Total Spending
This Month
6
Categories
Tracked
AED 2219
Daily Average
Per Day

Category Breakdown

Housing
AED 6,500
37.7% of total
Stable
Food & Dining
AED 2,641
15.3% of total
Stable
Transportation
AED 1,645
9.5% of total
Stable
Shopping
AED 945
5.5% of total
Stable
Healthcare
AED 320
1.9% of total
20%
Utilities
AED 1,263
7.3% of total
Stable
UAE
UAE Spending Comparison
Housing costs aligned with Dubai Marina average
Food & Dining: Above UAE resident average
Transport costs optimized with Salik and fuel efficiency
Spending Insights
•Highest spending category: Housing (37.7% of total)
•0 categories over budget, 1 categories under budget
•Total spending: AED 13,314 (58.4% of total expenses)
Budget Performance
• 1 categories under budget
• Total spending: 58.4% of income
• Savings potential: AED 9,486
Areas to Watch
• 1 categories over budget
• 0 categories trending upward
• Monitor discretionary spending closely