Capture what happened
Receipts and email records preserve the items, store, tax, total, and return context.
A clearer spending life
See what your money gave back.
GetGuac turns everyday receipts into a story you can learn from—what helped, what disappointed, what quietly repeated, and what deserves a different choice next time.
GuacScore makes that progress visible without judging the life behind the purchase.
One story, many helpers
Better habits begin with better memory.
Most spending disappears into a bank total. GetGuac keeps the useful context—the items, the reason, the feeling afterward, and the money you may still recover—so each purchase can improve the next one.
Understand the pattern
Guac AI, reports, categories, and subscriptions turn scattered purchases into something explainable.
Decide what was worth it
A two-second Worth-It rating teaches GuacScore what value means in your real life.
Protect the progress
Bills, returns, GuacWizard, Stash, Steals, and Smashlist help the next decision arrive with more context.
How GuacScore works
Your ratings shape the score. The rest completes the story.
GuacScore is not a credit score and does not judge necessary spending. It scores the purchases you rate, weights them by their dollar amount, and accounts for avoidable bank costs in the same period.
01
Rate the purchase
Give a saved purchase a one-to-five Worth-It rating. Unrated purchases are excluded from the score.
02
Weight by the dollars
Purchase amount matters. A costly regret affects the score more than a small disappointing purchase.
03
Account for quiet leaks
When available for the same period, interest and bank fees can reduce the score by a capped Bank Bite penalty.
04
Track money returned
Refunds reduce Net Spent and appear in the spending trend. Refund rows are tracked separately instead of being treated as newly rated purchases.
The useful conversation
A score matters when it leads to one honest question.
Was the purchase essential, important, simply OK, an intentional splurge, or a regret? GuacScore helps a person—or a household—review the outcome without turning the conversation into blame.
The goal is not a perfect number. It is a clearer reason for what you choose to repeat next month.
Read the pattern
The number is the start, not the verdict.
Use the score with its supporting details: how many purchases you rated, the dollars represented, your Worth-It mix, and any Bank Bite penalty. A score built from two ratings is an invitation to add context—not a conclusion.
- • Change the time window to compare recent and longer-term patterns.
- • Rate more purchases before treating a short-term movement as meaningful.
- • Open expensive low-rated purchases and ask what you would do differently.
What Guacanomics has
The score, the dollars, and the patterns behind both.
Guacanomics is the full analysis page behind GuacScore. Choose 30 days, 90 days, 12 months, or all time; every total and chart updates to the same period so the picture stays comparable.
Your summary strip
Net Spent
Gross purchases minus refunds: the amount that actually stayed spent.
Refunded
Money returned in the selected period, plus the number of completed returns.
Bank Bite
Interest and fees shown separately so avoidable costs cannot hide inside purchases.
Receipts
Purchase count and average receipt amount for the selected period.
Tax Paid
Total tax recorded, with business-purchase dollars shown underneath.
See where the money moved
Spending Trend
Plots purchases and refunds month by month. Use it to see whether a spike was lasting spending or money that later came back.
Top Stores
Ranks up to eight merchants by purchase dollars. The bars make concentration visible before individual transactions blur together.
Purchases vs Refunds
Compares gross purchases with returned money and places Net Out in the center of the chart.
Spend by Category
Shows category receipts, dollars, and percentage share. Bank Bite appears as its own category when fees or interest exist.
Understand whether it was worth it
Worth-It overview
Summarizes the average star rating, regret dollars, and how many purchases still need a rating.
Spend by Rating
Groups rated purchase dollars into Essential, Important, OK, Splurge, and Regret—not merely a count of taps.
Rating Coverage
Shows rated purchases against total purchases. More coverage makes GuacScore more representative.
Top Tags
Surfaces recurring reasons such as “on sale,” “impulse,” or “needed it” after those tags appear in ratings.
Biggest Spends
Lists the five largest purchases with store, date, amount, tax, and business status for focused review.
GuacScore
Combines rated-purchase value, dollar weighting, and the capped Bank Bite deduction into the 0–100 signal.
How the key numbers are calculated
Net SpentGross purchase dollars − refunded dollars
Average ReceiptGross purchase dollars ÷ purchase count
Category ShareCategory dollars ÷ all categorized dollars in the range
Regret DollarsSpend rated Splurge or Regret, with Bank Bite included as regret when present
GuacScoreDollar-weighted Worth-It ratings, minus a capped penalty for interest and fees
How to use it to improve a habit
1. Complete the pictureRate a few recent purchases and confirm returns or refunds.
2. Find one costly patternLook at regret dollars, Bank Bite, top stores, and category concentration.
3. Change one repeat decisionKeep what delivered value and adjust one purchase, fee, or subscription before it repeats.
Understand your score
Encouraging at every stage.
| Score | Stage | What it means | Useful next step |
|---|---|---|---|
| 90–100 | Smash Master | Most rated dollars consistently delivered strong value. | Protect the habits and reasons behind your best decisions. |
| 75–89 | Solid Smasher | The majority of rated spending felt worthwhile, with a few weaker decisions. | Review the largest low-rated purchases before changing what already works. |
| 60–74 | Steady Guac | Rated spending shows a useful foundation alongside visible opportunities. | Choose one repeated store, category, fee, or buying trigger to improve. |
| 40–59 | Treat Mode | A meaningful share of rated dollars did not deliver the expected value. | Start with expensive regrets and purchases that may still be returned. |
| 0–39 | Just Starting | The current rated spending needs attention or the score has limited rating history. | Add honest ratings, read the reasons, and improve one decision at a time. |
Build a score from your real life.
Start with a small group of recent purchases. Rate them honestly, then revisit GuacScore as your history becomes more representative.
Open Worth-It