Income vs expense

The fastest read on whether you’re on track.

What came in against what went out, with the savings rate.

What you see

• Total income and total expenses for the period.
• Net balance — the difference. Positive means something was left over; negative means you spent more than came in.
• Savings rate — the net as a share of your income.
• Monthly comparison — income and expense bars, month by month.
• Best month and worst month in the period, plus your average monthly surplus.

Tip

The savings rate matters more than the net. Your income can rise and your spending rise with it, leaving you exactly where you were — the rate is what shows that.

A negative net isn’t always bad news

A month with a trip or a big purchase will come out negative, and that’s normal. Two or three in a row is the part worth worrying about.

Tips

• Pick 1Y or All to see the real shape; a single month misleads.
• If your savings rate dropped, open Monthly living costs and check whether the fixed side moved or the variable side.

Common problems

Income shows zero — your pay isn’t recorded as income. See Adding a transaction.

The net is higher than it should be — a transfer between your own accounts was counted as income. Fix it in Transfers.