Reports and the forecast

The forecast on the home screen

"Money left for N days" is your available money divided by your average spending. Money in goals is left out: it is already committed.

The forecast becomes honest after about a month of records; before that it is standing on too little history.

Charts

The shape of your spending by category, and the trend month by month. This answers "what does it go on", which is a different question from "how much did I spend".

Calendar

The month as a grid, with each day's total. The fastest way to see which days stand out and remember why.

Yearly report

Twelve months in one table: income, spending, the difference. Seasonal patterns show up here that are invisible inside a single month.

Transactions

The full list, filtered by account, category and period. This is also where mistakes get corrected.

The monthly budget

If a monthly budget is set, the home screen shows how much is spent, how much is left, and whether you are keeping to the pace. The budget is set in settings, or on the first step when you sign up.

Insights: what changed

The "Insights" section compares the current month against your usual one and names the differences in words: "Food: you are spending twenty percent more than usual", "a new line of spending this month". Beside it, both figures: what it is now and what it usually is.

The same place tracks net worth: how much it grew or shrank over the last few months. All of it needs at least two months of history — before that there is nothing to compare against, and the app says so plainly.

A note on the month, and on the year

In the yearly summary every month has a field for a note. One line: there was a wedding, hence the spending; the project bonus came in. Six months later that line is what explains why the month looks odd — without it you will stare at the spike and guess.

The year gets a note of its own, a broader one: we moved, I changed jobs, we bought the car.

The year's table

The "Download table" button produces a CSV: categories by month, in the main currency, opening in Excel and Google Sheets. Beyond income and spending it carries accounts, debts, goals, assets and credit cards — but as of today rather than as of year end, which the file states in a line of its own.

The calendar

Spending by day of the month, and a count of "days with spending". Useful not for the total but for the shape: you can see whether you have days when nothing goes out at all, and how many.

How much history is visible

Three months on the free plan — enough to see your own spending and start changing something. The yearly report, month-against-month comparison and how one category moved across a year are Plus.

What to look at when the month closes, and the one decision that comes out of it — a monthly money review. Why to compare shares rather than totals — budgeting when prices keep rising.