Alibi Journal

Monthly Edition

Manage →
4 MONTHS READ312 TRANSACTIONS₹1,84,220 COUNTED AS SPEND41 EXCLUDED3 DUPLICATES REMOVED6 NEED A LABEL
What Alibi Found

Your month had 4 quiet repeats, 2 unclear transfers, and 1 pattern that may become expensive if it continues.

4quiet repeats
2money leaks
2unclear transfers
3watchlist items created
2labels needed

The main story

Feb – Apr 2026

recurring merchant charge

Toll payments became frequent in February and continued through April.

FASTag debits appeared on 9 or more days each month from February onward — a pattern not visible before January. This suggests a change in regular commute or travel route.

Was this connected to a new commute, or a short travel period?

Occurrences

Months

FebMarApr

Transactions behind this

DateDescriptionAmount
03 FebFASTAG/NHAI TOLL₹65
07 FebFASTAG/NHAI TOLL₹65
14 FebFASTAG/NHAI TOLL₹65
21 FebFASTAG/NHAI TOLL₹65

Supporting stories

Feb – Mar 2026

Late-evening delivery appeared more often in March.

Food delivery transactions (Swiggy, Zomato) between 9 PM and 11 PM increased to 14 instances in March, compared to 6 in February. Most occurred on weeknights.

Was this connected to late workdays or a particularly busy period?

Feb – Apr 2026

Stanza Living appeared near the start of each month.

A payment to Stanza Living appeared in the first 5 days of February, March, and April. Amounts varied slightly (₹9,200–₹9,800) suggesting a monthly rent with occasional adjustments.

Feb – May 2026

Your EMI stayed steady every month.

A fixed debit of ₹24,500 appeared on or around the 5th of each month across all four months. Alibi treated this as a committed outflow, not new spending.

How Alibi read this edition

How Alibi classified transactions

Counted as spend265
Excluded41
Needs a label6

312 transactions total

Months read

Feb✓Mar✓Apr✓May✓

4 months read

What Alibi read clearly

  • Late-evening delivery appeared more
  • Stanza Living
  • Home Loan EMI

Needs context

  • Dhinesh
  • Divya Priya
  • Credit Card

Patterns Alibi noticed

Continued across months

Streaming plan appeared every month on the same date.

A ₹499 charge from a streaming platform appeared on the 12th of February, March, April, and May. Alibi noticed it appeared on the same date each month.

Continued at a similar level

Alibi can keep this pattern visible when you add another month.

Appeared across months

Convenience spending appeared toward month end.

Quick commerce and convenience store charges clustered in the last 10 days of March and April. The pattern was not visible in February.

More prominent in the latest month

Alibi can keep this pattern visible when you add another month.

Alibi Is Unsure

These transfers appeared repeatedly but Alibi couldn't read their purpose. One label teaches Alibi to recognise them in every future edition.

Needs your label₹17,500 (mixed direction)

Dhinesh

Money moved repeatedly with Dhinesh across all four months. What is this?

What is this?

Your labels are private. Alibi uses them only to improve your future editions.

If These Continue

These patterns repeated this month. Here is what they cost if nothing changes.

Yearly habit formingPossible
What repeated

Late-night Swiggy/Zomato orders after 9 PM — 14 times in March, up from 6 in February.

Why it matters

A spike that recurs becomes a baseline. March may have set the new normal for night-time convenience spending.

Cost if ignored

If March becomes the template, this pattern adds ₹31,560 to annual spend — without a single deliberate decision.

Monthly₹2,630
Yearly if continued₹31,560
Alibi will watch

Whether late-night delivery returns to February levels or continues at March volume.

Subscription creepLikely
What repeated

₹499 on the 12th of February, March, April, and May — exact same amount, exact same date.

Why it matters

Four consecutive months means this is no longer a trial. It is a committed outflow that rarely gets reviewed.

Cost if ignored

₹5,988 leaves your account in 12 months — quietly, automatically, without a single active decision.

Monthly₹499
Yearly if continued₹5,988
Alibi will watch

Whether a second streaming subscription appears alongside this one.

Alibi Is Watching

These signals appeared this month. Alibi is carrying them into your next edition.

behaviour changeNeeds attention

Late-Night Food Delivery

Swiggy/Zomato orders after 9 PM doubled in March compared to February.

This month14 late-night orders in March. Up from 6 in February.
Alibi Watchlist

2 more items are on Alibi's watchlist this month. Your first item is shown in full above.

Keep Alibi watching: full watchlist across all months, month-over-month comparison, quiet leak detection, and the full-year edition.

Your labels are private. Alibi uses them only to improve your future editions.

What Alibi Remembers

These labels were taught to Alibi. They carry into every future edition so you never have to explain them again.

RentConfident

Stanza Living

Rent

First seen Feb 2026Last seen Apr 20263 transactions · ₹28,500

Your labels are private. Alibi uses them only to improve your future editions.

Credit card repaymentConfident

HDFC CC Payment

Credit card repayment — not new spending

First seen Feb 2026Last seen Mar 20262 transactions · ₹1,00,000

Your labels are private. Alibi uses them only to improve your future editions.

Shared expenseFairly sure

Divya Priya

Shared expense — flat split

First seen Feb 2026Last seen Apr 20263 transactions · ₹4,500

Your labels are private. Alibi uses them only to improve your future editions.

Alibi Memory

Alibi has learned from what you labelled this month. With memory active, every label carries forward — so next month's edition already knows who Divya is, what Stanza Living means, and what to ignore.

Keep memory active: full label persistence, month-over-month continuity, recurring payment detection, leak finder, and EMI/debt watch across all future editions.

Your labels are private. Alibi uses them only to improve your future editions.

Return Loop

Next Month, Alibi Will Watch

  • Late-Night Food DeliveryWhether late-night delivery returns to baseline or becomes the new normal.
  • FASTag / TollWhether this continues next month or drops back to pre-February levels.
  • Streaming SubscriptionWhether a second streaming subscription appears alongside this one.

Upload next month's statement to see what repeated, changed, or disappeared.

Full-Year Edition

Full-Year Edition4/12 months

Some patterns only reveal themselves across 12 months.

You have 4 months with Alibi. Add 8 more months to unlock the full-year edition.

  • Yearly recurring patterns that don't show in any single month
  • Salary disappearance rhythm — where each paycheque actually goes
  • Subscriptions that repeated quietly all year
  • Food, travel, and shopping habits across all seasons
  • EMI and debt consistency — whether your load grew or shrank
  • Your largest quiet leaks: small amounts, repeated often
  • A single financial story — your full year, read as one

FROM THE ALIBI DESK

In brief

  • A restaurant charge appeared only in April.

    A ₹2,800 restaurant charge appeared once in April. It was the largest single dining transaction across the shared months.

  • A restaurant charge appeared only in April.

    A ₹2,800 restaurant charge appeared once in April. It was the largest single dining transaction across the shared months.

Evidence ledger