Money Manager analyses the transactions from all your accounts over the past 6 months. It can then calculate how much you can afford to save, considering:
Any recurring costs you have coming up
How your everyday spending in the cycle so far compares to your usual spending
How much Money Manager expects you to spend in the remainder of the cycle
Because Money Manager uses smart technology, it will always keep up to date with your recent spending habits, to give you the most personalised savings recommendations at any point in time.