The Reports screen

Numbers don't judge. They just tell you what happened. Come here once a week and let them talk.

Use the arrows to pick a month, and the dropdown to pick a report.

📊 Monthly overview

The month at a glance.

• Age of Money — how many days a dollar sits in your accounts before you spend it. Higher means you're living on last month's money instead of this morning's paycheck. It grows slowly. Let it.
• Spent / Income / Net — the month's totals. Net green: you kept money. Net red: the month cost more than it paid.
• Spending trend — six months of bars. The shape matters more than any single bar.
• Spending by category — where it actually went, largest first, with change-vs-last-month arrows.
• Recurring bills — the subscriptions and bills we've detected, with a ▲ when a price went up. Prices creep. This list catches them.

📈 Spending changes

The "what's different?" report. Each category's current month against its own five-month average.

• Spending more than usual — growth, biggest movers first. Some growth is a season. Some is a leak. You'll know which.
• Spending less than usual — shrinkage, including things that stopped.
• Tags: new (never spent here before), stopped (spent nothing this month), or the percent change. Moves under $5 are ignored as noise.

💵 Cash flow

Am I living within my means? Six months of income vs spending, side by side, with the net for each month and your overall savings rate — the percent of income you kept. There's no magic number. There's only better than last month.

🗂️ Category trends

Your top ten categories, each with a six-month sparkline. Read the shapes: flat is a habit, rising is a trend, a spike is a story you already know.

The current month's bar is striped — it's a projection to month-end based on your pace so far, so a half-finished month doesn't read as progress. Hover it for spend-so-far, the projection, and days remaining.

🏷 Tags

Spending by tag, across categories. Categories answer "where did I plan for this?" Tags answer "what was this really?" — all your EV charging, whichever trip or budget line it lived under.

Each tag shows this month, the six-month total, and how many transactions wear it. One transaction can carry several tags, so the numbers overlap on purpose.

🔁 Subscriptions & recurring

The full recurring picture: total per month, the annualized cost (this number surprises everyone once a year), each charge normalized to a monthly equivalent, next due dates, and ▲ flags on recent price increases.

Cancel one thing you forgot you had. That's the report paying rent.

🏦 Net worth

The line that tells the truth slowly. Everything you have minus everything you owe — cash and investments, minus cards and loans — written down each morning by the same routine that syncs your banks, and drawn as a line. One point per day. It doesn't move live, and it shouldn't: net worth isn't a thing to watch by the hour.

Stats up top: net worth today, cash, owed on cards, and the 30-day change. The change shows — until there are 30 days to compare. Honest, not broken.

History starts the day the report arrived. No fake backfill — the empty state says check back in a few days, and means it. Loans and investments appear only if your bank shares them through the connection; a cash-and-cards household sees cash minus cards, and that's still the truth.

Budgeting is the activity; this line is the outcome — and it catches the quiet failure, where checking looks fine while a card balance creeps up. A record, not a forecast.