A method includes obtaining data related to a plurality of historical transactions, where each historical transaction is associated with a label based on a click stream created by the first user, generating a vector of features from the data related to each historical transaction, training, using the vectors and labels, a multinomial classifier to generate a probability that a specific transaction belongs to a specific classification with respect to income, obtaining data related to a new transaction from a financial stream for a second financial account of a second user of the financial service, generating a new vector of features from the data related to the new transaction, determining a classification with respect to income for the new transaction, and presenting the classification to the second user for review in a view of a graphical user interface.