Reports: where your money goes

Open Reports from the menu. On a phone it is under More. Choose a month at the top, and every report on the page uses that month.

Cash runway

If your income stopped today, how many months of spending your cash would cover. It counts only your bank and cash accounts, and averages whole months, so it errs on the short side. For the next 60 days day by day, see Runway.

Commitment load

How much of what you earn is spoken for before you decide anything: rent, EMIs, insurance, subscriptions.

In and out

What came in against what went out, month by month. It answers: am I ahead or behind?

Where it went

This month's spending by category, against what a month usually costs you. On the 11th, it compares with the first 11 days of earlier months, not with whole months.

Budget accuracy

Categories where the amount you plan keeps being wrong, again and again rather than once. A category that is ₹500 short every month is worth fixing before one that was ₹4,000 short once.

Money moved between your own accounts is not spending, so reports leave it out. Tracking accounts, like a loan you track, are left out too. Each report says under it what it did not count.

Reports show what happened. What you do about it is your decision.