Unverified50% confidenceDecision RuleExact time
Hishob's spending calculation rules are: transfers between accounts and transfers into the offset account do not count as spending, mortgage principal counts as savings (increasing equity), interest counts as a real cost, and refunds are automatically matched to the original payment rather than counted as extra income.
1
Sources
50%
Confidence
Long-term
Relevance
10/18/2026
First Seen
Sources
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