Income is split across several different slices. 

The number shown in the middle of the donut corresponds to different types of income received the 90 days before the application was made. 

A green slice indicates salary.

An amber slice shows other income across different categories. As you hover over each slice a tool tip appears. This explains the different types of income, e.g. wages, benefits, tax credits etc. 

A red slice shows bounced direct debits which have been returned to the account. The applicant has missed a payment on a regular outgoing, including debts.

Grey indicates that the spend hasn't been able to be allocated. In most cases this will be a transfer in from another account. 

Clicking on each slice reveals a table containing each transaction:
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Needs are expenditure items considered essential. There's more background information on this budgeting approach in the Introduction to the Spend FHI article. 

A fuller list is provided in the categorisation article. 

Starting with mortgage and rent, then bills, each slice represents essential expenditure items, including housekeeping and health. 

Net transfers are also shown here; money be sent to and from other bank accounts. 

It is assumed that cash withdrawals are needs. 

Payments to banks under £15 are assumed to be bank fees rather than loans.

All spend items are amber, with the exception of rent and mortgage which is green.

Clicking each slice reveals a table containing detailed transactions:

Wants represents discretionary expenditure. These are items that the applicant has some control over. They are not required to meet basic needs. 

Gambling is shown as red in the donut. 

Clicking on the gambling slice shows a table with all of the gambling related transactions:

This is where financial commitments appear; savings, investments, debt collectors and creditors. 

Savings and investments appear green. 

Loan repayments are amber. 

High cost credit commitments and debt collectors are red. In this example all of the loans are high cost credit, representing more than £800 spend per month.

Clicking on high cost credit, in this example reveals a table with subprime credit cards and loans. 

Previous: The Spend FHI: Categorisation

​Previous topics: The Borrow Financial Health Indicators and Spend Financial Health Indicators

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