The Spending Analysis object

The Spending Analysis response provides spending data grouped by category, merchant, or time period, along with summary statistics.

Summary attributes

Attribute	Type	Description
total_spending	string	Total spending amount
average_daily_spending	string	Average daily spending
average_monthly_spending	string	Average monthly spending
total_transactions	integer	Total number of transactions
unique_merchants	integer	Number of unique merchants
top_category	string	Highest-spending category
top_merchant	string	Highest-spending merchant

Spending data attributes

Attribute	Type	Description
by_category	array of objects	Spending grouped by category
by_merchant	array of objects	Spending grouped by merchant
by_time_period	array of objects	Spending grouped by time period

Response attributes

Attribute	Type	Description
spending	object	Spending data from MyTruv API
summary	object	Summary statistics
request_id	string	Unique request identifier
created_at	string	Analysis creation timestamp
by_time_period	array of objects	Time periods with category/merchant breakdown (only when `group_by=time_period` and `secondary_group_by` is set)
total_income	string	Total income (credits) across the period. Null unless `include_income=true`.
total_expenses	string	Total expenses (debits) across the period.
savings_rate	string	Share of income retained, as a percentage. Null unless income is included.

Endpoints

Get spending analysis

Example response

{
  "spending": {
    "by_category": [
      {
        "category": "Food & Dining",
        "total_amount": "1250.00",
        "transaction_count": 45,
        "average_transaction": "27.78",
        "percentage_of_total": "24.5"
      }
    ],
    "by_merchant": [
      {
        "merchant_name": "Whole Foods",
        "total_amount": "850.00",
        "transaction_count": 12,
        "average_transaction": "70.83",
        "percentage_of_total": "16.7"
      }
    ]
  },
  "summary": {
    "total_spending": "5100.00",
    "average_daily_spending": "170.00",
    "average_monthly_spending": "5100.00",
    "total_transactions": 249,
    "unique_merchants": 3,
    "top_category": "Food & Dining",
    "top_merchant": "Whole Foods"
  },
  "request_id": "req_abc123",
  "created_at": "2025-03-15T10:00:00Z",
  "total_income": null,
  "total_expenses": "5100.00",
  "savings_rate": null
}

​Summary attributes

​Spending data attributes

​Response attributes

​Endpoints

​Example response

Summary attributes

Spending data attributes

Response attributes

Endpoints

Example response