Where the creep lives, month by month.

The home screen gives you one bar per category. This is the same year, opened up: each cell is a category in a month, shaded by how far it crept above its own baseline.

Read the rows for the worst offenders; read the columns for the worst months.why?

Modeled estimate — the month-by-month path is interpolated from each category's baseline and current spend (the same seed values the home screen uses), with a small fixed seasonal adjustment for texture. Production reads transactions via read-only Plaid (behind the Phase-2 gate), benchmarked against BLS category indexes. No real account is connected here.