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MyTruv generates insights automatically from the account data you’ve connected - bank transactions, balances, recurring activity, and pay statements. The insights you see are tied to your specific account, not generic advice.

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Where the data comes from

The system looks at:
  • Your transaction history - how you spend across categories and merchants, and how that changes month over month
  • Your income - frequency, amounts, and any deviation from your normal pattern
  • Your recurring activity - subscriptions, bills, and how they evolve over time
  • Your account balances - movement across accounts and your overall net worth
The more accounts you connect and the longer your history, the more reliable insights become.

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How long it takes

Some categories of insights need a few weeks of transaction history before MyTruv has enough signal to surface them. If you’ve just connected your accounts, you may see the Insights page in an “analyzing” state for a little while. While generation is in progress, the page shows a clear “still analyzing” indicator:
  • On the web - a pulsing icon on the Insights page with copy explaining that MyTruv is processing your data
  • On iOS - a spinner on the Insights page with the same explanation
When generation finishes:
  • If MyTruv found insights, they appear on Home and on the full Insights page
  • If MyTruv didn’t find enough signal to generate any, you’ll see a “no insights yet” empty state - that usually means more transaction history is needed

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What affects accuracy

  • Quality of connected data - missing or out-of-date account connections (a disconnected bank, a broken payroll link) reduce coverage. Keep connections healthy on /data/connections.
  • Account breadth - connecting bank + payroll gives MyTruv a fuller picture than bank alone.
  • History length - subscription detection and recurring-pattern insights stabilize after a few months of transactions.

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Insights are informational

Insights are informational and educational. They are not financial advice. Always consider your full financial situation when making decisions.
If insights aren’t showing up after a few days, check your connections - a broken bank or payroll link is the most common reason MyTruv doesn’t have what it needs to generate them.