Richrme
July 2026 · from your cost sheet
Leverage
The lines where a change frees up the most money each month.
Month
Cost view
Currency
Addressable spend found in your own numbers
AED 3,894
a month · AED 46,734 a year
Sum of the moves below, each sized from 5 months of actuals. Every figure names the lines behind it, so you can judge whether the cut is realistic before committing to it.
Top 5 leverage moves
1
Hold Shopping to AED 1,000 a month
It averages AED 2,000 across 5 months. Biggest lines: Shopping at AED 1,587 and Amazon orders at AED 413.
AED 1,000
a month · AED 11,999 a year
2
Hold Travel to AED 1,691 a month
It averages AED 2,602 across 5 months. Biggest lines: Travel Hotels and others at AED 2,602.
AED 911
a month · AED 10,927 a year
3
Hold Food - Dine In to AED 829 a month
It averages AED 1,659 across 5 months. Biggest lines: Food restaurant at AED 1,458 and Costa Nico at AED 201.
AED 829
a month · AED 9,954 a year
4
Renegotiate Rent at renewal
AED 6,160 a month, AED 73,920 a year, 17% of average salary. A 10% reduction at renewal is worth AED 7,392 a year and survives every month without effort.
AED 616
a month · AED 7,392 a year
5
Refinance or pay down Car Loan
AED 2,154 a month, AED 25,848 a year, 6% of average salary. A structural lever: paying it down removes the cost permanently instead of needing willpower every month.
AED 539
a month · AED 6,462 a year
Cost structure
What your money is committed to before any decision gets made.
Fixed commitmentsAED 8,514 a month
23% of salary, locked before the month starts.
SubscriptionsAED 424 a month
AED 5,085 a year across 8 services, 1 of your lines dormant.
Variable spendAED 15,930 a month
64% of living costs. This is the part you can actually move.
Concentration53% in three categories
Housing, Groceries, Transport & Mobility.
Month-to-month swingAED 8,722
Living costs ran from AED 22,686 in Jul '26 to AED 31,408 in May '26.
Savings structure
Whether what you keep is held in the right shape.
Cash buffer0.4 months of living costs
AED 9,565 against AED 24,867 a month.
Transfers to channelsAED 1,700 a month
6% of average salary over 5 months.
Months spent over salary1 of 5
Transfers in those months came out of the buffer, not surplus.
Crypto concentration31% of tracked value
OKX holds a single asset; IBKR is diversified across positions.
Plan against actualIBKR 45%, OKX 20%, Active Saver 35%
Your current auto-allocation plan across channels.