Analytics overview
The Analytics overview answers one question: where is my money going month to month, and what is the next few months likely to look like? It combines a spending forecast, a monthly income and expense trend, a day-by-day calendar of spending and a list of the repeating payments found in your data.
What it shows
| Panel | What it contains |
|---|---|
| Historical avg / mo | Average monthly spending over the recent history used for the forecast |
| Next month forecast | Projected spending for the month after your most recent data |
| Recurring detected | How many repeating payment patterns were found |
| Recurring / mo | The combined average amount of those repeating patterns |
| Income vs expense trend | A line per month: income in green, expense in red, for the selected period |
| Spending forecast | A bar per forecast month, with the forecasting model named beside the title |
| Monthly transaction calendar | One cell per day of a chosen month; each day with spending shows a small pie split by category |
| Recurring spending patterns | A table of detected repeats: merchant, cadence, average amount and number of occurrences |
Features
| Feature | What it does |
|---|---|
| Shared period filter | One date control at the top of Analytics drives this screen and the other Analytics tabs |
| Spending forecast | Projects the next three months from a straight-line trend through your recent monthly spending |
| Recurring detection | Groups transactions by recognised merchant and flags those arriving on a roughly weekly or monthly rhythm |
| Calendar month/year chooser | Jump to any month covered by your data; it opens on the most recent month present |
| Category colours | Calendar pies use each category's own colour, so heavy categories are recognisable at a glance |
| Chart export | Hover any chart to download it as PNG or PDF; the PDF includes the figures behind the chart |
| Table tools | The recurring table has search, a column chooser and CSV / Excel / PDF export |
How to use it
- Set the period at the top of the page. The default is the year up to your most recent statement.
- Read the four headline figures for the shape of your spending: typical month, next month, and how much of it is committed to repeating payments.
- Use Income vs expense trend to see which months ran at a deficit — the red line above the green one.
- Open the Monthly transaction calendar and pick a month to see which individual days carried the spending, and on what.
- Scan Recurring spending patterns for subscriptions and standing payments you no longer want.
Notes and limits
- The period filter. Presets are: last year up to your latest statement (the default), last year to today, last six months, last three months, this month, and a custom from/to pair. The window is based on each transaction's date. The default view is anchored to your most recent statement rather than today's date, so uploading historical statements still shows a full year of data. The chosen period is shared across the Analytics tabs — switching tabs keeps it.
- Two panels ignore the period filter. The forecast headline figures and chart, and the recurring patterns table, are computed from your data as a whole rather than from the selected window. The forecast uses roughly the last twelve months up to your most recent transaction; the recurring table scans all your transactions.
- The forecast is a straight-line trend, not a model of your commitments or plans. With fewer than three months of history it reports that there is not enough history rather than guessing.
- Trend and calendar cover different things. The trend shows both income and expense. The calendar shows spending only — money leaving the account.
- Recurring detection needs at least three occurrences of the same merchant at a steady interval. One-off or irregular payments will not appear, and a merchant that appears under several very different descriptions may be counted separately.
- Currencies are kept apart. Figures are computed in each transaction's own currency and never added across currencies silently. With a display currency chosen in the top bar, figures are converted for display at an indicative daily rate; choose Native to see amounts as recorded.
- With no transactions in the selected period, charts and tables show an empty state rather than zeros.
Every plan includes this screen, Free included — see Plans & limits.