[manicdee]

That's the first thing that struck me too. What magic is present in Toshl's ecosystem that allows people to spend more than they earn?

Stay away from this financial assistance software written by people who can't do math.

[2muchcoffeeman]

Credit cards? Large purchases like homes and cars?

I don't think the same people are simply accruing more and more debt. So maybe this shows that more people are entering debt every year?