Category guidance
Recent averages, current-month pace and category-specific guidance. Only discretionary reductions count toward the savings estimate.
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HEADROOM
Use your real spending patterns
Smart Budget
Headroom keeps your existing categories exactly as you set them. Budget modes only adjust genuinely discretionary targets. Required bills, debt payments and essential needs stay protected.
Protected by designHeadroom will not tell you to cut rent, required debt payments, utilities, insurance, medical costs, childcare or other required commitments. Scout looks for savings around those obligations, not through them.
REQUIRED—
ESSENTIAL / FLEXIBLE—
DISCRETIONARY TARGET—
ADJUSTABLE SAVINGS ROOM—
Case-specific guidance
Best opportunities right now
Headroom is ranking only optional spending that your recent history supports adjusting.
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What Scout sees
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Scout budget strategy
AI guidance grounded in your Headroom data
Tap Generate strategy for a personalized recommendation that protects required spending and debt payments.