Analyze
TL;DR
Open More → Analyze to see your history as pictures. You will find a section called Visualizations with two choices:
- Monthly expense forecast shows what you spent this year, what you spent last year at the same time, and a forecast for the next six months.
- Net worth shows your assets and liabilities over the last twelve months and draws a line for your net worth so you can see the trend. You can choose which accounts to include and see a short overview and trend summary underneath.
If you do not have enough history yet you will see an empty-state message. If something fails to load you can tap Try again.
Where to find it: More → Analyze → Visualizations → Monthly expense forecast / Net worth
Deep dive
The Analyze hub
The hub is a simple directory with one section and two rows. It does not contain any charts itself. You just pick which visualization you want to open.
- Monthly expense forecast takes you to a chart titled Monthly expense
- Net worth takes you to a chart titled Net worth
Where to find it: More → Analyze → Visualizations card
Monthly expense forecast
This page is titled Monthly expense forecast and the chart inside is titled Monthly expense. It helps you compare this year to last year and look ahead a little.
Where to find it: Analyze → Monthly expense forecast
What you see
Think of the chart as a row of monthly bars:
- The solid bar is what you have spent this month so far. In the legend this is labeled Actual. A lighter cap on top shows where the month is headed.
- Behind each bar you see a lighter outline bar for the same month last year. In the legend this is labeled Same month last year. Put the two side by side to see at a glance whether you are spending more or less than you did then.
- To the right of the current month you see six forecast bars. In the legend these are labeled Forecast. The bright mark on each bar is the estimate; the shaded area around it is the Likely range, where the total will probably land. Together with the current month you see seven months on the axis: one real month and six forecast months.
The chart always shows expenses and always uses the budget you have open and its currency. Tap any bar to see what makes up that number: committed bills, usual spending, and how sure the forecast is. Open the three-dot menu (top right) and tick Show last 3 months to prepend the last three finished months as plain bars.
A small hint under the chart explains the same idea:
Each bar is a month's spending. The bright mark is our best guess for that month, the shaded area around it is where the total will probably land. Tap any bar to see the breakdown.
In practice compare the solid bar and the outline bar for the same month to spot changes, then glance right to see where the forecast lands. The forecast is not a promise. It simply continues the line your recent spending is already on.
When there is not enough data or something goes wrong
- Not enough expense data yet means you need a bit more history before a chart and forecast can be drawn. Add a few months of expense transactions and it will appear.
- Couldn't load the forecast with the message Something went wrong while building your expense forecast. means the load failed. Tap Try again to reload.
Empty: Not enough expense data yet: add a few months of expense transactions first
Error: Couldn't load the forecast: Try again reloads the page
Net worth
This page is titled Net worth. It looks back over the last twelve months and shows how your financial position has changed.
Where to find it: Analyze → Net worth
The chart
Each month has one stacked bar and a line:
- Assets are stacked above the zero line.
- Liabilities are stacked below the zero line.
- Net worth is the line running through the middle. It is assets minus liabilities.
So the height above the line tells you total assets for that month, the depth below tells you total liabilities, and the line tells you the net. You see twelve months side by side.
A small hint under the chart says:
Each month's bar stacks your total assets (above the line) against your total liabilities (below it); the line is your net worth: assets minus liabilities. Use the filter to include only some accounts.
Choosing which accounts count
In the top right you will see a filter button labeled Account filter. Tap it to open a drawer titled Included accounts.
Inside the drawer you will see:
- A subtitle like 4 of 7 included that tells you how many accounts are currently counted.
- One row per account with its icon, name, and type such as Checking or Savings. Tapping the row opens that account. Use the switch on the right to include or exclude the account from the chart.
- You cannot switch off the last remaining account. The chart needs at least one account to be meaningful.
- At the bottom you will find Reset. Tap it to include every account again and close the drawer.
Your selection is saved. If you leave and come back the same accounts stay selected. If you use more than one budget, each budget remembers its own selection.
While a filter change is recomputing you will see a thin loading line at the top and the previous chart stays visible underneath.
Where to find it: Analyze → Net worth → Account filter → Included accounts drawer
Overview and trend
Below the hint you will see two summaries when data is available.
Overview shows:
- This month: your net worth for the current month
- 12-month average: the average net worth over the last twelve months
Net worth trend shows how this month compares to recent baselines:
- vs last month
- vs 3-month avg
- vs 6-month avg
Each trend row shows a percent change with an up or down arrow and a sentence underneath that spells out the money difference in plain language, for example Net worth is $400 more than last month. or Net worth is $120 less than the 3-month average.
Where to find it: Analyze → Net worth → below the chart → Overview / Net worth trend
Loading, empty, and error
- While loading you see a spinner.
- Not enough account data yet means there is not enough account history to draw the twelve month view. Add accounts and let a month or two of balances build up and it will appear.
- Couldn't load net worth with the message Something went wrong while building your net worth. means the load failed. Tap Try again to reload.
Summary
| What you see | What it means |
|---|---|
| More → Analyze | Hub for your visualizations |
| Visualizations | Section that holds the two rows |
| Monthly expense forecast | Opens the Monthly expense bar chart |
| Net worth | Opens the twelve month stacked chart with a net worth line |
| Actual / Same month last year / Forecast / Likely range / On pace | Legend on the Monthly expense chart: this year, last year, the next six months forecast, its likely range, and where the current month is headed |
| Not enough expense data yet | Not enough history to draw the expense chart or forecast |
| Not enough account data yet | Not enough account history to draw net worth |
| Couldn't load the forecast / Couldn't load net worth | Load failed: tap Try again |
| Assets / Liabilities / Net worth | Legend on the Net worth chart: above the line, below the line, and the line itself |
| Account filter and Included accounts | Drawer that controls which accounts feed the net worth chart, with a count like 4 of 7 included |
| Overview: This month / 12-month average | Current net worth and its trailing twelve month average |
| Net worth trend: vs last month / vs 3-month avg / vs 6-month avg | Percent change and money difference compared to those baselines |
| Net worth is {amount} more/less than {period}. | Trend sentence that spells out the money difference in words |
Sample use cases
- "Am I spending more than last year?" Open Analyze → Monthly expense forecast. Compare the solid Actual bar for this month with the lighter Same month last year bar behind it. If the solid bar is taller for several months in a row and the Forecast bars slope up, that is a cue to check what drove the rise.
- "What will the next few months look like?" Look at the six Forecast bars with their Likely range shading. They continue the line your recent spending is already on. If you just added a new recurring subscription it will not show in the forecast until it has posted.
- "How is my net worth trending?" Open Analyze → Net worth. The stacks show whether assets or liabilities moved and the line shows the net. Below the chart Overview gives you This month versus the 12-month average, and Net worth trend quantifies vs last month, vs 3-month avg, and vs 6-month avg with both percent and money.
- "I only want to see my checking and savings." On Net worth tap Account filter and switch off the accounts you want to exclude. You need to keep at least one account included. Tap Reset to bring everyone back. Your choice is saved for each budget separately.
- "The chart says not enough data." Both visualizations need history. Not enough expense data yet means add a couple of months of expense transactions. Not enough account data yet means add accounts and let a month or two of balances accumulate. Both messages clear themselves once the data arrives.