Expense Analysis
Note: Our free self-service API does not include the endpoints in the expense analysis bundle. Contact us if you’d like to learn more about them.
Quovo’s Expense Analysis endpoints present a comprehensive picture of spending activity for an account or a user. With Expense Analysis, you can get a clear sense of expense patterns, such as which expense streams are fixed, flexible, or discretionary. Leveraging Quovo’s data analytics and proprietary modeling, Expense Analysis goes beyond basic spending trackers to more intelligently organize and evaluate transactions. The Expense Analysis bundle includes two endpoints: /expenses and /expense_transactions. Together, these two endpoints provide you with a holistic expense profile for accounts and users.
Expense Summary
The /expenses endpoint is designed to provide a well-organized summary of spending activity. Our expense summary breaks down spending patterns into different   streams  . Expense   streams   cluster together similar transactions based on their frequency, size, and memo details. These   streams   are also ranked by how much they contribute to your user’s expenses.
Expense Transactions
The /expense_transactions endpoint returns all of the expense transactions that comprise the streams summarized in the /expenses endpoint. Each transaction is coupled with the id of its relevant stream. The data in this endpoint helps you understand how Quovo identified and assessed the expense streams in our expense summary.
The  /expenses and /expense_transactions endpoints are only available for “checking” and “credit card” account types. Both of the endpoints are available at the user and the account level. You  can combine these endpoints with the Income Evaluation endpoints to build a complete view of cash flow.