Reports and Insights
See the patterns behind your spending — so you can make next month's budget smarter than last month's.
Your Budget Tells the Story — Reports Show the Patterns
Day-to-day budgeting is about decisions: can I afford this, should I move money, am I on track? Reports zoom out. They show you what's actually happening over weeks and months — not what you think is happening.
Most people are surprised by their first spending report. That's the point.
Spending by Category
See where your money went with pie charts and breakdowns
Spending Trends
Track how income and expenses change over time
Budget vs. Actual
Compare planned spending with what really happened
Net Worth
Track your overall financial position over time
Spending by Category
This is the one you'll check most. It answers the simplest question: where is my money going?
You'll see a pie chart and a table breaking down every category — amounts, percentages, and transaction counts. You can filter by time range (this month, last 3 months, year to date, or a custom window).
The percentages are often more revealing than the dollar amounts. Spending $400 on dining out doesn't mean much in isolation. Spending 22% of your income on dining out — that's a pattern you can act on.
Tip
If a category surprises you, that's not a reason to feel bad — it's a reason to adjust your budget. Surprises mean your budget didn't reflect reality yet. Now it can.
Spending Trends
Single months lie. One expensive car repair makes January look terrible. One skipped vacation makes August look great. Trends over 3-6 months tell the real story.
The trends report charts your income and expenses month by month, so you can spot:
- Spending creep — gradually spending more without noticing
- Seasonal patterns — December always costs more, and that's okay if you plan for it
- Income changes — did that raise actually change your savings rate, or did lifestyle inflation eat it?
Budget vs. Actual
This is the report that makes you a better budgeter. It compares what you planned to spend in each category with what you actually spent.
Categories that consistently run over? You're not budgeting enough — or you're spending more than you intend to. Either way, the fix is clear: budget more or spend less. No guessing.
Categories that consistently come in under? That's money you could redirect toward goals, debt payoff, or categories that actually need it.
A realistic budget is worth more than an aspirational one. This report helps you build the realistic version.
Net Worth
Everything else is about the month. Net worth is about the trajectory.
Assets (checking, savings, investments) minus liabilities (credit cards, loans) equals your net worth. The trend line shows whether you're moving in the right direction — even slowly.
You won't see dramatic changes month to month, and that's fine. Net worth is the long game. If the line trends up over 6-12 months, you're doing something right.
Note
Net worth includes all accounts — on-budget and off-budget. Investment accounts and loan balances show up here even though they don't appear in your budget categories.
A Simple Monthly Review
You don't need to study your reports daily. A 10-minute check once a month is enough to stay on track:
Where did the money go?
Pull up last month's spending report. Anything surprising? If dining out crept up, decide if that's fine or if next month's budget should change.
Was the budget realistic?
Check budget vs. actual. Adjust categories that were consistently off — up or down. Your budget should describe how you actually live, not how you wish you did.
Any trends to watch?
Glance at 3-6 month trends. Is spending stable? Growing? If something shifted, you'll see it here before it becomes a problem.
Big picture check
Look at net worth. Up, even a little? Good. Flat or down? Check your spending and debt — there's a category that needs attention.
The goal isn't perfection. It's to know a little more each month, so each month's budget gets a little closer to the one that actually works for your life.