Choose and read a financial report

Select a report, account, and period, and distinguish recorded spending from projections.

Overview

Reports summarize household financial records and planning information. They do not make payments or change transactions. Some reports describe recorded history; others include future expectations. Read the report title, account scope, dates, and calculation labels together.

Choose a report

Cash Flow Outlook shows daily balances and optional budget reserves.
Budget Performance compares allocation, actual spending, commitments, and remaining allocation.
Spending by Category and Payee groups net spending, including refunds.
Upcoming Payment Commitments shows scheduled occurrences and their recorded status.
Monthly Money Summary explains opening balance, movements, and closing balance, with transfers separated from income and spending.
Category Spending Over Time compares category spending across months.
Bill Cost Changes compares recorded payments to a payee, keeping separate schedules distinct.
Paycheck-to-Paycheck Coverage groups projected account movements around a selected payday schedule.

Review the scope and detail

Choose the report and account selection.
Select a period, or choose Custom and enter From and Through dates.
Choose Apply. Review any report-specific choices, such as category versus payee grouping or a payday schedule.
Select a supported detail row to inspect its underlying activity.

For example, a larger recorded bill payment is not necessarily a price increase: it may cover a different period or include another charge. Compare the entries before drawing a conclusion.

Split purchases

Category totals use each purchase's category allocations. Filtering to Groceries shows only the grocery portion of a mixed purchase, while the Ledger retains the full bank transaction. Supporting rows count each matching purchase once, even when several of its split rows match. A purchase can appear in more than one category group, so adding category-group transaction counts is not a distinct purchase count.

Transaction CSV exports distinguish MatchedAmount from TransactionAmount and include IsSplit. The first is the amount within the selected report scope; the second is the complete bank movement. Four-place amounts are retained in the export. Open the Ledger transaction to review individual split notes.

Troubleshooting

Check account and date filters when totals differ from another screen. A selected partial month is not always comparable to a full previous month. Transfers affect account balances but are not ordinary category spending. An entered scheduled payment is not necessarily cleared, and budget reserves are not additional ledger withdrawals.