Transactions arrive already sorted.
Merchants are normalized and categorized on arrival, recurring charges are recognized as subscriptions, and every figure states whether it was measured or assumed.
Spending
What you get
- Paced spend projects where the month lands at today's rate.
- Subscription ledger that catches the annual renewals you forgot about.
- Your own rules override the categorizer and stick for good.
- Fixed and variable split, because only one of them is a decision.
| Type | Budget | Paced | |
|---|---|---|---|
| Groceries | Variable | €900 | €842 |
| Restaurants & Bars | Variable | €600 | €714 |
| Transport | Variable | €240 | €198 |
| Utilities | Fixed | €310 | €310 |
| Subscriptions | Fixed | €186 | €186 |
| Travel | Variable | €1,400 | €2,180 |
| Total | €3,636 | €7,240 | |
Categorization you only correct once
The categorizer is measured rather than assumed to work: 96–100% precision per layer across 1,336 rows on a live European dataset. Where it is wrong, your correction becomes a rule and applies to every future transaction from that merchant.
Spending is the foundation, not the product
Categorized history is what makes a runway number real and a projection honest. Highwater does it properly for that reason, not because sorting the past is the point.