What RCT's Charts and Insight Screens Tell You About Your Spending

A single “you spent €1,240 this month” figure doesn’t tell you much you can act on. RCT works off item-level data instead, so what comes back is specific enough to actually change something.

Where to find it: the Money tab answers one question, whether you’re spending too fast this month, and the detailed charts sit one tap below it, behind All the charts.

The breakdown starts at groups, and opens up where a group would hide something

The 49 categories are grouped into nine: groceries, going out, home, transport, shopping, fun, personal care, health, and money & obligations. The donut starts there, but it doesn’t stop there. A group that’s small this month, or that only has a couple of categories in it, gets promoted: its categories appear directly as their own slices instead of hiding behind the group name. That’s what stops an €80 cosmetics month from showing up as a wedge labeled “personal care” with no further detail. Big groups stay whole, because there the group name really is the headline, and one tap drills into them.

Underneath the donut, a daily line shows how the month accumulated, and filters let you exclude categories, tags, or whole groups from what you’re looking at. You can page back through any month you’ve been scanning in.

If a grouping doesn’t match how you think about your money, you can move a category into a different group, or create up to two groups of your own. Regrouping applies to everything you’ve already scanned.

Category trends, month over month

Because every item is categorized, RCT can track a category’s spending against last month and flag it when it moves. If your “eating out” category jumps by more than 20%, you’ll get told about it rather than having to notice it yourself buried in a total. That arrives as a notification, and the screen it opens is where the numbers behind it live.

Store comparisons

If you shop at more than one supermarket, RCT compares your average spend per visit across them, using your actual receipt history rather than a generic price index. Seeing that one store averages noticeably more per visit than another is the kind of thing that’s easy to feel but hard to prove without the numbers.

Discounts and deposits, tracked separately

Because discounts and deposits are attached to the items they belong to instead of floating as unlabeled lines, RCT can total them up on their own. You can see how much you’ve saved from discounts as a percentage of your total spending, and which category gives you the best discounts most often.

Deposits close the loop. A receipt records a deposit as money paid and never says it came back, so RCT lets you mark a return when you take the empties in. What’s outstanding is everything you’ve paid since that last return: a real number about the bottles currently in the crate, rather than a total that could only ever count upwards.

Lifetime totals

RCT also tracks cumulative spending over the full time you’ve used it, with milestones at round numbers: €1,000, €5,000, €10,000, €25,000. It’s less about the milestone itself and more about seeing, in one place, how much financial history you’ve actually built up by scanning consistently.

Your filters apply everywhere

The exclusions you set on the charts screen aren’t local to it. Anything tagged “Excluded from Reports,” and any group you’ve filtered out, is also left out of the Money tab’s totals and out of the insight screens, so a cash reimbursement you logged for the record doesn’t quietly reappear as spending in a notification.