Private peer benchmarking

How does your spending compare with households like yours?

Use your encrypted ShareCapsule vault plus public U.S. Bureau of Labor Statistics spending data to compare major expense categories for a similar income level and Census region. The peer estimate is context—not a rule or a required budget.

✓ Analysis stays on this device ✓ No bank credentials ✓ Region and income are not uploaded

Step 1

Choose your comparison cohort

Loading public benchmark…

State or District Used locally to map you to a Census region. Annual gross household income Used only to select the matching BLS income quintile. Household size optional Helps explain how closely your household resembles the peer estimate. Vault passphrase Needed only when this tab does not already have an active vault session.

The comparison profile is session-only in this version. ShareCapsule does not persist your state, household income, household size, or passphrase from this page.

ShareCapsule planning index

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Waiting for analysis

This is an educational planning index, not a credit score, underwriting score, or prediction.

Peer cohort——

Your monthly spending——

Peer monthly estimate——

Cash reserve—Cash assets ÷ tracked monthly spending

Highest APR——

Expense allocation

You vs. similar households

Shares are of total spending, not gross income.

Category alignment matters. ShareCapsule groups your Housing + Utilities against BLS Housing; Groceries + Dining against BLS Food; and compares Transportation, Healthcare and Education directly. Entertainment + Shopping is compared with a broader BLS lifestyle/personal group. Insurance and Travel remain outside direct peer comparison because the current vault categories do not align cleanly with BLS definitions.

Health direction

Top actions

Why this score

Health components

How to interpret this

Peer spending is descriptive. A household spending less than its peers is not automatically healthier, and spending more is not automatically unhealthy. Healthcare, education, housing, family size and local circumstances can make a higher category appropriate.

Health direction is personal. The action engine puts a recurring deficit, insufficient liquid reserve and high-interest debt ahead of cosmetic category optimization. It limits the action list to the highest-impact items.

Benchmark method: ShareCapsule starts with BLS 2023 national income-quintile spending means and adjusts each category using the corresponding BLS 2023 Census-region-to-U.S. spending ratio. This produces a transparent regionalized income peer estimate. It is not the official BLS region × income cross-tabulation. BLS publishes exact two-year cross-tabulated tables separately.

Source: U.S. Bureau of Labor Statistics Consumer Expenditure Surveys 2023 annual report and CE tables. View the BLS 2023 report.

ShareCapsule methodology Expense control guide Security model

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