10 new insights, est. Rs 1,84,200 in optimizations. 5 need your attention today.
Top 5 insights ranked by severity and dollar impact
You have been on both Anthropic Claude Max ($200/mo) and OpenAI ChatGPT Plus ($20/mo) for 7 months. Combined: Rs 18,361 per month. Last 90 days of activity in your email shows 84% of your AI-related forwarded threads referenced Claude, 11% ChatGPT. The ChatGPT subscription has not been touched (no app or web activity flagged in any digest) in 41 days.
Your Google One 2TB plan has been auto-debiting Rs 590/mo since May 2024. Last sign-in to drive.google.com (per OAuth audit) was 187 days ago. Your iCloud 2TB plan absorbs the same use case. Cancel link is in the Google account settings, deep-link below.
Dropbox Plus is debiting $19.99/mo via your HDFC ****3041. You have not logged in since 04 Jan 2026. Across your three Gmail accounts, no Dropbox shared-link emails have arrived in 5 months. Annual cost: $240 (Rs 20,028). Cancellation is one-click via the deep link.
You are 60 EMIs into a 240-month Axis home loan at 8.7% with Rs 38.4L principal remaining. Forecast shows Rs 14.2L in liquid savings by 31 Jul 2026. A Rs 5L partial prepayment in July would shave 38 months off the tenure and Rs 4,12,800 from total interest paid. Banks must waive prepayment penalty on floating-rate home loans per RBI rules.
AWS spend over the last 12 months: $4,996, up 38% from the prior year (mostly EC2 t3.xlarge instances and S3 egress). You have been an AWS customer since March 2021 (52 months). AWS retention typically offers 10-20% credit packages for accounts over $5K/yr. Drafted email is below: friendly, specific, references your tenure and asks for a 12-month credit package.
Last 10 transactions from email and bank sources
| Date | Vendor | Category | Amount | Source |
|---|---|---|---|---|
| 24 May | Uber ····4421 | Transportation | Rs 487 | |
| 23 May | Swiggy | Food delivery | Rs 642 | |
| 22 May | Zomato | Food delivery | Rs 384 | |
| 21 May | Amazon India ····4421 | Retail, Office supplies | Rs 4,280 | |
| 19 May | Anthropic ····3041 | Software, AI, Business expense | $200.00 Rs 16,692 | |
| 15 May | Amazon US ····3041 | Retail | $184.00 Rs 15,356 | |
| 12 May | Hostinger ····3041 | Infrastructure, Business expense | $51.00 Rs 4,256 | |
| 10 May | OpenAI ChatGPT Plus ····3041 | Software, AI | $20.00 Rs 1,669 | |
| 08 May | Netflix ····4421 | Entertainment | Rs 1,099 | |
| 08 May | Apple iCloud ····4421 | Storage | Rs 219 |
Next 30 days
EMIs, SIPs, subscriptions