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How is Spends Ratio calculated?

Your Average Monthly Spends is divided by your Average Monthly Income to calculate your Spend Ratio which is the portion of your income which you end up spending. Your Spend Ratio is then compared with that of People like you to give you a final rank:

  1. Average Monthly Spends: This is average monthly spends made from your ICICI Bank account excluding the ones which have gone towards investments or EMIs for home loans & car loans. Any significantly large value transaction is also removed to smoothen the data.
  2. Average Monthly Income: This is the average monthly credit transactions in your ICICI Bank account. Any significantly large value transaction is removed to smoothen the data.