Richrme
July 2026 · from your cost sheet
Good afternoon, there
July 2026 · 50 positions across 15 categories.
Month
Cost view
Currency
What changed
Travel rose by AED 7,145 vs Jun '26.
Committed before August 2026 starts
AED 3,048
11 fixed lines and subscriptions
July 2026 · left after everything
-AED 1,374
AED 21,312 in · AED 27,186 out
TravelAED 7,145
GroceriesAED 4,639
Emergency FundAED 3,000
Transport & MobilityAED 2,793
PetsAED 1,888
InvestmentsAED 1,500
UtilitiesAED 1,363
Food - DeliveryAED 1,314
Food - Dine InAED 1,255
ShoppingAED 1,220
SubscriptionsAED 694
Fun & LeisureAED 324
BeautyAED 52
July 2026 cash flow
SalaryAED 21,312
Living costsAED 22,686
Emergency fund · Active SaverAED 3,000
Buffer · left in the account-AED 1,374
Saved this month21% of salaryAED 4,500
You spent AED 1,374 more than you earned — check the biggest variable lines.
5-month average outflow · recurring only
AED 26,567
against AED 26,874 recurring salary · AED 307 a month
Rolling monthly living costs
AED 24,867
Average over 5 tracked months
Saved per month, on average
AED 1,700
6% of recurring salary · AED 1,100 investment, AED 600 emergency fund · buffer excluded
Emergency fund cover
6 months
0.4
months
AED 9,565
of AED 149,205 for 6 months of living costs
AED 139,640 more would reach your 6-month target.
Monthly money flow
Salary, living costs and buffer across 5 tracked months.
-AED 1,374
AED 18,727
AED 38,828
AED 58,929
AED 79,030
Mar '26
Apr '26
May '26
Jun '26
Jul '26
1
streak
months you invested something
months you invested something
Mar '26
Apr '26
May '26
Jun '26
Jul '26
5
streak
months living costs stayed under salary
months living costs stayed under salary
Mar '26
Apr '26
May '26
Jun '26
Jul '26
Every line in July 2026
Available to allocate · July 2026
-AED 1,374
AED 21,312 salary · AED 22,686 living costs
Spending by category
AED 27,186 vs AED 39,674 baseline
Baseline is the average of 2026-04, 2026-05, 2026-06. Open a category to edit its individual lines.
Fixed vs variable
How much of July 2026 was locked in before the month started.
Fixed · 9%AED 2,354
Variable · 89%AED 24,138
Subscription · 3%AED 694
Auto-allocation plan
How -AED 1,374 would split across your channels. Tap one to change its share.
Total allocated100% · -AED 1,374