Rule-based observations about your bills.
Smart Insights notices things like "Subscriptions are 38% of your committed spend" or "Utilities ran 22% above last month." Each insight deep-links into a relevant page.
Subscription weight (>30% of committed spend), category concentration (single category >40%), MoM trajectory (any category +/- 20% vs previous month), quiet wins (a streak of on-time payments). Each rule fires at most once per period to avoid nag fatigue.
The widget builds its observations locally from your bill and payment data — no server round-trip, no AI model in the loop. The rule shapes above are the entire feature.