Spend Analysis

Tracking your spending just got easier.

Track how much you're spending, and exactly where you're spending it, in categories like groceries and entertainment. We'll analyze your expenses so you can easily see exactly where your money is going.

Open a Huntington Checking account and start tracking your spend today.
How it works:


Make purchases using your Huntington credit or debit card. The more you use your credit or debit card, the more transactions Spend Analysis will track.


Spend Analysis will automatically put each transaction into a category such as groceries, shopping, or entertainment.


Quickly see how you're doing when you log in to The Hub and track your spending trends over time.

Modern Expense Tracking

Pie chart or table? Either way, you'll see where your money goes with just a glance. Spend Analysis tracks up to two years of history to help you better understand your spending trends. We do the work, but you're in control.
Spend Analysis screenshot

Stay on Track

Each transaction is automatically assigned to a category, but you have the flexibility to move to another category, or create your own personalized subcategory. Want to see how much you spend on coffee each month? With Spend Analysis you can. You can also easily split transactions into a few categories.
Heads Up mobile screenshot

Compare your Spending and Income

Sometimes you just need to see things from a different point of view. With the new Spend v. Income view in the Spend Analysis tool, you will see an easy-to-read, side-by-side comparison of what's going out and what's coming in—so you can better understand your spending over time and keep track of your progress along the way. Just click Select Analysis Type and choose this view.
Split Transaction screenshot

Real-Time Insights

Things get even better when you enroll in Huntington Heads Up®. You'll get guidance, budget updates, and even notifications when money leaves your account in unusual ways. Because more insights can help you make smarter financial decisions.

Learn more about Huntington Heads Up

Message and data rates may apply.

Real-Time Insights charges

Already a Huntington customer?

Enroll in online banking to start using The Hub digital tools today.

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Frequently Asked Questions

What is Spend Analysis?

Answer: Spend Analysis tracks how much you're spending, and exactly where you're spending it, in categories like groceries and entertainment. We'll analyze your expenses so you can easily see exactly where your money is going.

Which of my accounts are included in Spend Analysis?

Answer: For personal accounts, Spend Analysis includes transactions from your Huntington checking and credit card accounts. For business accounts, Spend Analysis includes transactions from your Huntington checking, money market, credit card and credit line accounts.

How do I get Spend Analysis?

Answer: Do you have a Huntington checking account? Then log into The Hub to turn Spend Analysis on.

Can I add transactions from other credit cards or financial institutions to Spend Analysis?

Answer: We’re working on it. For now, only your Huntington accounts and credit cards are included.

How does Spend Analysis know how to categorize my spending?

Answer: When you make a purchase using your debit or credit card, Spend Analysis places that purchase in an existing category, such as Groceries, Education, Home and more. You can also create subcategories and split purchases between categories to help you keep a more detailed record of your spending habits.

How do I add, edit, or delete categories?

Answer: For your convenience, each transaction is automatically assigned to a category. To reassign a transaction, follow these easy steps:

  • Click on a transaction from the line-item list. A Transaction Detail window will pop up. (Note: Pending transactions cannot be reassigned).
  • Under Category, click Edit and select a new category.
  • Answer Yes, Create Rule to always categorize this way, or No, Apply Once for one-time only.

How do I add a new transaction category?

Answer: To be more specific on how you track expenses, you can create new categories. For example, you can choose to track "coffee shop" spending separate from the main Restaurant category. Add up to 10 custom subcategories within a broader category family by following these easy steps:

  • In Transaction Detail, under Category, click Edit.
  • Click Add a category.
  • Enter the new category name, then Save.

How do I split a transaction between categories?

Answer: Get a more accurate picture of your actual spending by splitting a single transaction into two or more spending categories. Follow these easy steps:

  • In Transaction Detail, under Category, click Edit.
  • Choose Edit next to Category, select Category.
  • Enter Split Amount for each category.
  • Need to split into more categories? Click Add a Split.
  • Click Save.

Can I hide a transaction from Spend Analysis and Spend Setter?

Answer: Yes, you can hide transactions so they aren’t included in the Spend Analysis or Spend Setter tools. Click on a transaction to bring up the Transaction Detail window, and check Hide this transaction from financial tools.

How do I see my spending for the previous month?

Answer: To see your spending for previous months, click the View Analysis button. On the larger Spend Analysis view, you can change the date range, dive into categories and more. You can also switch from pie chart to bar graph to table view and roll over visual charts to see amounts and percentages by category.

What else can Spend Analysis do?

Answer: With Spend Analysis, you can see up to two years of spending and income history to better understand your habits. And, the Spend v. Income feature within Spend Analysis provides you with an easy-to-read, side-by-side comparison of money coming in and money going out. You can compare your cash flow for the past 12 months. All of this gives you the ability to make informed decisions about your money.