The colors represent how your selected month compares to the benchmark (Budget, Prior Month, or 6-Month Avg):
Expenses
Income & Savings
Gray: No comparison data available (e.g., no budget set, no prior period data)
On the P&L page, there are both Monthly and Annual report types. The Monthly view lets you pick a single calendar month and compare each line to Budget, Prior Month, or a 6-Month Average. The Annual view shows a full calendar year for past years and year-to-date (YTD) period for the current year.
YTD is defined as January 1 through the last completed calendar month. For example, if your latest transaction date is April 23, then YTD includes January through March only. The YTD period excludes the current in-progress month to ensure that budget and benchmark comparisons are fair, since the current month is not yet finished.
The Status column shows a progress bar for how your amount compares to the benchmark. For example, if you have a budget of $1,000 for Groceries and you spent $600, the status bar will be 60% full. The bar color (green/yellow/red) follows the same rules described in the color guide above.
The Savings row on the P&L page shows your net income (Total Income minus Total Expenses) for the selected period. The Savings Rate row is Savings divided by Total Income. The Remaining Savings row reflects cash left after investment contributions for that period (Savings minus Investment Contributions).
You can drill down into any of the category totals on the P&L page to see a transaction-level breakdown by clicking on any value in the selected period column (e.g. Dec 2025). This will open a window with a detailed breakdown of the transactions that make up the category total for that period.
Unusual Activity highlights transactions that stand out from your typical spending. We surface three types: (1) Expenses that are at least several times higher than your average for that category, (2) Charges from merchants you haven't shopped at in the past 6 months that are larger than your typical expenses, and (3) Expenses that are statistical outliers compared to your overall spending. We exclude known recurring payments (like subscriptions, rent, or loan payments) since those are expected. This helps you spot abnormally high spending and potential issues worth reviewing.
Recurring transactions are expense charges that appear regularly—typically weekly, monthly, or quarterly—like rent, Netflix, gym memberships, or some utility bills. We identify them by finding patterns in the transaction history: same merchant, similar amount each time, and consistent timing for that cadence. Charges under $5 are not included. If something appears in Recurring that you do not consider recurring, click the Not Recurring button, which removes that transaction and pattern so it will not appear going forward. If a charge you expected to see doesn't appear as recurring, it may not have enough history yet, the amount may vary too much, or it may be categorized in a way that excludes it (such as Transfers).