Reports analyses your spending, income, cash flow, and net worth. Pick a date range, a granularity, and a report.
The controls
Date range — any start and end date. Reports are not limited to your budget months: they cover your full transaction history, including anything from before an import's budget start month.
Granularity — month or week, for the reports that plot a series over time.
Export CSV / Export PDF — generates the file on the server from the same numbers on screen, so an export can never disagree with the report you're looking at.
The eight reports
| Report | Answers |
|---|---|
| Spending by Category | Where the money went |
| Spending by Payee | Who you paid |
| Spending Over Time | Whether spending is rising or falling |
| Income vs. Expense | Whether you earned more than you spent |
| Cash Flow | What came in and went out, period by period |
| Net Worth Over Time | Whether you're getting ahead overall |
| Budget vs. Actual | Whether you spent what you planned |
| Trends | Spending against a rolling average |
Each is covered in more detail in spending reports, cash flow and income, and net worth.
What counts, and what doesn't
Two rules, shared with the budget so the numbers agree:
Split transactions count once. For a split, the individual lines are counted, never the parent total. Splitting a $200.00 shop into $150.00 groceries and $50.00 household adds $200.00 to your spending, not $400.00.
Transfers between two on-budget accounts are excluded. Moving money from checking to savings isn't income or spending — counting it would inflate both sides. A transfer to an off-budget account (a loan payment, say) does count, because that money left your budget.
Transfer legs to accounts you chose not to import are excluded too, for the same reason.
Why a report might look wrong
Everything is in "Uncategorized." Spending reports group by category. Clear the Needs review queue and the report fills in — see working with transactions.
A month looks unusually low. Usually a missing transaction. Reconcile the account for that period — see reconciling an account.
A month looks unusually high. Often a duplicate, typically from importing a file that overlapped an earlier import.
Net worth jumps sharply. Check the account types involved. A liability typed as an asset flips the sign of its whole balance — see net worth.
Exports
CSV opens in any spreadsheet. PDF is a formatted table, intended for sharing or filing rather than further analysis — there are no charts in the PDF.
Both are generated server-side from a single definition of each report, so the export always matches the screen exactly.