Merchant tracking
Track spending by store — not just by category
Categories lie flat. Stores tell the truth about habits.
Interactive tool
Spending-by-merchant breakdown
Enter your merchants and amounts — see concentration instantly.
Tracked monthly spend
$3,430
Top merchant
Costco
$1,240/mo
Top merchant share
36.2%
Costco takes 36.2% of tracked spend — when one merchant dominates, small habit changes there move your whole month.
The problem
“Shopping” hides Costco, Target, and Amazon
Bank categories lump merchants. You can’t tell if overspend is bulk groceries or household impulse. Store-level view fixes that in one glance.
How Calqio helps
Label at log time — breakdown follows
When you log “Costco $186” or “Enbridge $142,” Calqio aggregates merchant share of monthly spend. No receipt scanning required to start.
Real example
Sample breakdown (logged household)
After 30 days, a typical family might show Costco 29%, utilities 22%, Walmart 14%, childcare 18%, other 17%. The preview below shows how that looks.
Why merchants beat categories for behavior change
You can’t negotiate with “Shopping.” You can change Costco trip frequency or Walmart pickup habits. Store view connects data to action.
Common questions
- Do I need exact merchant names?
- Consistent labels matter more than perfection — always “Costco,” not “costco” and “Costco run.”
- Can I track online vs physical?
- Use labels like “Amazon” vs “Amazon groceries” if the split helps you.
- What about cash purchases?
- Log manually — same as card. Cash is often where untracked spend hides.
- How many merchants should I track?
- Top 5–8 cover most households. Long tail can stay “Other.”
- Does this work for utilities?
- Yes — tag hydro, gas, water by provider name for seasonal charts.
- Can I export merchant totals?
- Calqio supports expense export for deeper analysis in spreadsheets if needed.