Pro Family active · 3 PANs combined · 22% household save rate · 4 OTT subs overlap (₹2.3k/yr saveable).
Household burn · May
Combined
₹2.84L
- Aarav50%
- Priya40%
- Ravi10%
- In-flow₹3.65L
- Save rate22%
3 members · 1,247 txns
Burn · stacked by member · last 12 months
Aarav
Priya
Ravi
Burn drifted up Q4 — Priya's health spend (Ravi's hospitalisation, Apr) and Aarav's housing tier-up.
Per-member · per-category
Drill →| Category | A | P | R | Total |
|---|---|---|---|---|
| Housing | ₹52k | ₹12k | ₹4k | ₹68k |
| Food & groceries | ₹18k | ₹22k | ₹2k | ₹42k |
| Transport | ₹14k | ₹12k | ₹2k | ₹28k |
| Health | ₹4k | ₹2k | ₹12k | ₹18k |
| Subscriptions | ₹8k | ₹3.4k | ₹1k | ₹12.4k |
| Other / personal | ₹46k | ₹62.4k | ₹7.7k | ₹1.16L |
| Member total | ₹1.42L | ₹1.14L | ₹28.7k | ₹2.84L |
OTT overlap across household
₹2,340/yr saveable
- Netflix Premium₹649 / m
Aarav · HDFC ****0012 · 4 profiles unused
- Disney+ Hotstar₹299 / m
Priya · ICICI ****8841
- Spotify + Apple Music₹218 / m
Aarav + Priya overlap · family plan saves ₹118/m
- Total saveable₹2,340 / yr
Switch overlapping subs · cancel duplicates
Top merchants · household
See all →| Merchant | Paid by | Amount |
|---|---|---|
| Rent · Renu Joshi | Aarav | ₹52,000 |
| Apollo Hospital | Ravi | ₹12,000 |
| DMart | Priya | ₹18,400 |
| Uber | A · P | ₹9,200 |
| Swiggy | A · P | ₹12,800 |
Household AI advisor
"Health spend will grow as Ravi ages — earmark ₹3,000/m to a super-top-up policy. Saves ~₹40,000/yr vs out-of-pocket and unlocks §80D for Aarav."
Detects burden across household
Joint optimisations (insurance, OTT)
Cross-PAN tax planning (§80D, §80DDB)