Insights & Reports

Cadence Money generates insights from your data and surfaces them on your dashboard. They come in several kinds:

You will also see forecasts, comparisons and milestone insights as Cadence Money spots them. Each card may carry an action you can take directly from it. Dismiss the ones you have reviewed to keep the feed focused.

The Insights widget on your dashboard shows up to eight cards. Its header carries a View Insights button, which opens an All Insights list with no cap on it - that is where the rest of them are, rather than lost.

Which kinds you get, and how they are written, is under Settings → Insights. The switch that hides insight cards app-wide is under Appearance, which is where people tend not to look for it.

Separately from insights, Cadence Money detects patterns in your spending and suggests recurring bills or budget adjustments. Accept one to apply it, or dismiss it if it does not fit.

The Suggestions widget behaves the same way as the insights one: up to eight on the tile, and View Suggestions in its header opens All Suggestions with the full set.

The Budget and Wealth tabs each have their own period control at the top, and the two are deliberately different shapes because they answer different questions.

The Budget tab takes a period and, where the period needs one, something to anchor it to. Month, Quarter and Year each ask you which one; Year to date, Last 3 months, Last 6 months and Last 12 months stand on their own. Beside them, the control states the window you actually landed on, so there is no guessing about the edges.

The Wealth tab has a list of its own - Last 30 days, Last 3 months, Last 6 months, Year to date, Last 12 months, Last 5 years and All time - and it opens on Year to date. Every one of those is a rolling window ending today rather than a calendar block, which is why a period on this tab can differ by a few days from the same-sounding one on the Budget tab.

The whole picture, including what each window covers, is in Report Periods.

The Budget tab of Explore holds:

• A summary card: Income, Savings, Budgeted, Spent, Savings Rate and Remaining for the period, with a few lines underneath on what stood out.
• Charts of your spending trends over time.
• Performance cards for each budget.
• An Activity Breakdown chart of where money went.
• A Bill Spending summary of what your bills actually cost during the period. It looks backwards at what was paid; for what is coming, see Cash Flow.

The full transaction list, with its search, filters and sort, is on the Activity page, under the Recurring Calendar. Tap a budget’s performance card here to see just that budget’s transactions for the period.

The monthly budget-performance section needs monthly budgets to report on, so it does not appear while WorryFree is switched on.

Annual Budget Performance is a separate section and it is not hidden by WorryFree. Annual budgets carry on alongside WorryFree everywhere else in the app, so they carry on reporting here too. It appears when the period you are viewing is a whole calendar year or the year to date, and you have annual budgets in it.

Activity Breakdown shows where a period’s income ended up. It has two views, Bar and Sankey, drawing on the same numbers.

Bar lists your outflows largest first, so a $2,000 investment contribution sits alongside a $2,000 rent payment rather than in its own block. Sankey draws the flow: income sources on the left, then a split into Needs, Wants and Savings, then individual categories.

Investment contributions are counted once, as a destination for your money, never as spending. Transfers between your own accounts are left out of savings entirely - counting them would double up every credit card payment and make your savings rate look roughly twice what it is.

The Wealth tab charts your net worth over time. It opens on a single overall line; switch to a category breakdown to see how Cash, Investments, Retirement and the rest contribute.

Underneath the chart, in this order:

• A set of insight cards about the period you picked.
• Allocation Over Time - two stacked bars, the start of the period and the end of it, showing how your assets and liabilities were split across Cash, Investments, Retirement, Real Estate and the rest. Under them, each category’s share at the start, an arrow, and its share at the end. Tapping one bar segment highlights the same category in the other bar, which is the quickest way to see what actually moved.
• Holdings - only if you hold securities.
• Sparkline cards summarising each category. These come last, below the Holdings card, not immediately under the chart.

The Holdings card plots two lines over the same period: what your holdings are worth, and what you paid for them. The gap between them is your gain or loss. The figure in the card’s header is the change across the period you are viewing, not since you bought in, and it follows the date range you pick for the tab.

Imagine is a sandbox that starts from your own spare income and shows what setting it aside, or paying down a debt with it, could add up to. See Imagine Projections. It used to sit under Goals; links to the old place still work.

Recap walks through your year card by card: where the money went, how your net worth moved, and what changed.

Goals themselves live on the Plan page, as its Goals tab, rather than in Explore. See Goals.