Abstract: A behavior management and expense insight system stores user profiles, points of interest, and information for determining recommendations for the points of interest. An expense allowance module may compare an average amount spent for each point of interest by each user with a spending limit for each user, and determine an expense allowance indicator indicating whether an average amount spent is above, in par with, or below the spending limit for a geographic location for a user. A recommendation engine may determine a category of a point of interest in a request and select recommendations of points of interest for the request based on the category, the stored profile of the user, and the average amount spent for each stored point of interest in the category.