Budget Overview
Where this period's income went, what is committed, and what is left.
Updated
The Headline Figure
At the top of the card sits one large number: money in minus money out for the period. It is labelled Savings when you are ahead and Spent when you are behind, so the word tells you the direction without you reading a minus sign. Underneath, the same figure is broken into income and expenses.
The headline and the tiles will not add up
Those two numbers are actuals only - what has genuinely landed. The four tiles below mix actuals with what you have committed to. They are answering different questions, so expect them to differ.
Choosing a Period
The Week, Month and Year buttons in the top-right corner set the period, shortening to W, M and Y on a narrow screen. The card opens on Month, and your choice is remembered on that device.
| Period | Covers |
|---|---|
| Week | Sunday through Saturday of the current week |
| Month | The current calendar month, the 1st to today |
| Year | The calendar year so far, starting from the month of your first transaction in it |
Weekly figures are worked out differently enough to be worth reading about on their own. See Weekly Budgeting.
The Allocation Bar
The horizontal bar under the headline shows where your income for the period went, in four bands:
- Bills - what your tracked bills consumed.
- Monthly Budgets - spending against your budgets, plus anything you spent that is not attached to a budget at all.
- Annual Budgets - the part of your annual budgets used during this period.
- Projected Savings - whatever income is left after the other three.
The bands are proportions of your income rather than amounts, so they always fill the bar. Hover or long-press a band to see its share. Very small bands are dropped rather than drawn as a sliver you cannot read. With no income source set up there is nothing to allocate, so the bar is replaced by a prompt to add one.
The Four Tiles
Below the bar are four tiles, each showing a pair of numbers as actual / expected:
| Tile | Actual | Expected |
|---|---|---|
| Income | Received | Expected for the period |
| Bills | Paid | Committed |
| Monthly Budgets | Spent | Budgeted |
| Annual Budgets | Spent year to date | The year's total |
Tapping any tile opens the matching tab, so the card doubles as navigation. A spending tile turns red once it passes 100%. The Income tile never turns red, since being over on income is not a problem.
The Annual Budgets tile is always yearly
Every other tile follows the period you picked. Annual budgets are measured against the full year no matter what, because an annual budget is a sinking fund for twelve months and slicing it into a single week would show it as nearly empty every Sunday.
What Is Left Out
The card is measuring spending, so several things are deliberately excluded from the totals:
- Transfers and investment contributions, because moving your own money between accounts is neither income nor spending.
- Transactions in accounts you have excluded from budgeting, such as investment and registered accounts.
- Anything deleted, and anything flagged as a duplicate.
- Reimbursements. Rather than counting as income, a reimbursement reduces the expense it is linked to.
Pending transactions are included, so a charge that has not settled still shows here. See Transactions for how pending charges settle.
Percentages
Two Appearance settings add percentages to this card, and they do different things:
- Income percentages puts each tile’s share of your income in its corner. On by default.
- Progress percentages puts the percentage inside the amount line, beside the figures themselves. Off by default.
Both live under Settings → Appearance. See Settings.
If the Card Looks Empty
With no transactions in the period at all, the card says there is no data for it. More often only part of the card is empty, and each tile handles that on its own: a tile with nothing to measure keeps its place and shows a short prompt instead of a progress bar, such as No bills tracked or No monthly budgets. Filling in the missing piece brings that tile to life without touching the others.