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Health Scan
Your AI-powered financial checkup. CashFox analyzes your spending, budget, goals, and net worth to surface personalized insights.
What is Health Scan?
CashFox's Health Scan is an AI-powered analysis that reviews your financial data across all the areas that shape your day-to-day money life: spending patterns, budget alignment, goal progress, income flow, net worth trends, and behavioral habits.
It runs on demand and surfaces specific, actionable findings instead of handing you one vague score. You don't get a generic "do better" message. You get clear pattern recognition like "your wants spending is front-loaded after payday" or "this goal has gone quiet for 45 days."
The tone matters too. Health Scan isn't here to judge you. It's built to spot patterns, give context, and help you choose your next move with less friction and more clarity.
How It Works
Under the hood, Health Scan runs automatically once a day and looks for trend changes, inconsistencies, stalled progress, and patterns that are easy to miss when you're only looking at one screen at a time. It compares what's happening now to your recent history, then groups the useful bits into categories so the results feel organized instead of overwhelming.
The goal is speed. You should be able to run a scan, review the highlights, and know exactly where to tap next without turning it into a whole finance homework session.
Tip
Scan results are cached for 24 hours. If you check again within that window, you'll see the same findings. After 24 hours, CashFox automatically pulls fresh data and runs a new analysis.
Spending Patterns
This category looks for movement in your transaction data: gradual drifts, sudden jumps, recurring charges, and weird duplicates. It's the part of the scan that answers, "What changed in the way I've been spending?"
What this category is good at
Spending Patterns is especially useful when your month feels "fine" but your numbers quietly say otherwise. It catches the stuff that slips past memory — slow category drift, tiny recurring leaks, and one-off jumps that distort the bigger picture.
Budget Alignment
These findings compare your stated plan to your actual money flow. The question here is simple: does your budget reflect real life, or is there a gap between what you intend and what your data keeps showing?
A good budget should feel honest
If Health Scan keeps surfacing budget-alignment findings, the fix isn't necessarily "be stricter." Often the better move is to rebuild the plan around what your real life looks like now, then improve from there.
Goal Health
Goal Health findings focus on momentum. Are your savings goals getting funded, drifting off pace, nearing the finish line, or competing with current lifestyle spending? This is where long-term plans get translated into something tangible.
Use goal findings to make tradeoffs visible
These findings work best when you treat them as choice architecture. If two priorities are colliding, Health Scan helps you see the tradeoff clearly so you can decide on purpose instead of by default.
Net Worth
These findings zoom out from monthly flow and ask a bigger question: is your overall financial position actually moving? Income and spending can look busy while net worth stays flat. This category keeps the long game in view.
Why this category matters even if cash flow feels okay
You can have a decent month on paper and still move backward overall if debt creeps up faster than assets grow. Net Worth findings keep short-term wins connected to long-term reality.
Behavioral Insights
Behavioral findings look for repeated patterns in when and how you spend. This category is less about totals and more about context: timing, routines, friction, and habits that shape your financial decisions.
Patterns beat promises
Most behavior change starts with noticing. When a pattern becomes visible, you can build systems around it — spending limits, reminders, slower checkout steps, or a different category review habit.
Making the Most of Your Scan
Check your scan daily
CashFox runs a fresh scan every 24 hours automatically. Make it a habit to glance at the results once a day — it takes less than a minute and catches patterns before they become problems.
Dismiss what you've already handled
If you've already fixed a finding, dismiss it. It won't come back unless the same pattern shows up again.
Use the CTA buttons
Each finding is connected to an action. Tap the CTA to jump directly to the relevant page instead of hunting through the app.
Trust the personalization
Findings are based on your actual data, so you'll only see what applies to you. No generic checklist. No filler. Just what's relevant right now.
How Health Scan Connects to Everything
Health Scan doesn't live in isolation. It works because it reads the signals coming from the rest of CashFox and turns them into a short, useful list of things worth your attention.
Budget → Health Scan
Health Scan reads your income, budget split, and spending pace to find things like budget fiction, phantom savings, lifestyle inflation, and pay-cycle overspend.
Expenses → Health Scan
It reads transaction history and category data to surface category creep, spending spikes, duplicate charges, subscription creep, and possible category mismatches.
Goals → Health Scan
It checks contributions, projected dates, and progress to identify stalled goals, timeline drift, completion-near moments, and conflicts between current spending and future priorities.
Net Worth → Health Scan
It reads asset and debt trends to flag flat net worth and growing debt before those patterns become normal.
Every finding should lead somewhere useful
Each finding's CTA links back to the section where the pattern can actually be acted on. That's the whole loop: notice, jump, fix, move on.