What's the big picture of my budget?
What's the big picture of my budget? puts the most useful charts about the current month on one screen: how your money is allocated, where it went, how your cash flow looks and what stands out.
To open it, go to Insights and tap What's the big picture of my budget? under Financial overview. The report covers the month selected in your budget, shown under the title.
The charts
Top allocations and Top spending
Top allocations shows the categories you've allocated the most money to this month. Top spending shows where you actually spent the most. Each chart can switch to Category natures (Essential, Discretionary, Savings and so on) to show the same split by nature. Tap a chart to open Where is my money allocated? or Where does my money go?.
Allocation vs spending
Compares what you've Allocated with what you've Spent and shows the remaining Balance. Use the carry-over icon on the card to include or leave out the Carried over amount from previous months.
Leaving the carried-over amount out is handy when you've saved up for something over several months and now start spending those savings: the chart then reflects only this month's plan.
This month vs. last month's spending
A line chart of your spending through this month next to last month's. Tap it to open Spending comparison.
Recent spending
A bar chart of your spending on recent days, up to Today. Tap it to open the Transactions calendar.
Quick cash flow
A bar chart of this month's Income, Expenses and Targets side by side, with your savings rate under it: how much of this month's income you kept. Tap it to open Income vs expenses.
Insights
Short, personalised observations about your month, for example:
- your spending this month compared with the same period last month
- categories where you spent much more, or less, than last month
- how much you're projected to spend by the end of the month at your current daily average
- days of the week or parts of the month when you tend to make purchases you later rated thumbs down
- upcoming transactions and targets still to fund
When there's nothing to report, the card tells you so. Tap it to open the Transactions calendar.
Historical top spending and Historical cash flow
Historical top spending ranks your biggest spending categories month by month. Historical cash flow compares income and expenses over the last six months, so you can see whether you usually earn more than you spend.
Show it on your home screen
The same charts can appear on your main budget screen as the Budget summary card. In this report, tap the ⋮ menu and tick Show budget summary on home screen. See Home customization for more ways to arrange the home screen.
The ⋮ menu also has shortcuts to the Transactions calendar, Projections and Spending comparison. Use the bookmark button to bookmark the report.
Free and Pro
The report is available on every plan, but several cards are Pro features: Insights, Quick cash flow, This month vs. last month's spending, Recent spending, Historical top spending and Historical cash flow. On the Free plan they show sample data (for example, Insights shows sample insights), and tapping one shows what Pro unlocks. Top allocations, Top spending and Allocation vs spending always show your own data.