Reports & Analytics
Understand where your money goes, where it is heading next, and when something needs attention.
Analytics Tab
Open the Analytics tab to see your analytics dashboard and forward-looking signals:
Total Balance
Net worth and change over time
Balance Chart
History plus 30-day forecast overlay
Income vs Expenses
Side-by-side comparison
Top Categories
Where most money goes
Financial Health Score
Overall grade plus liquidity and debt signals
Safe to Spend
Daily and weekly spending room after reserves
Cash Flow Forecast
Upcoming balance dips and pay-cycle risk
Time Periods
Switch the period via the segmented picker at the top of the screen.
Expenses by Category
Donut Chart View
- • Percentage of each category in total spending
- • Amount per category
- • Interactive donut chart with tap and hold
- • Tap on a category to navigate to filtered transactions
Categories show: amount, percentage of total expenses, number of transactions, and trend (growing/falling/stable).
Income vs Expenses
Net result is displayed as text below the chart.
Financial Insights
AI analyzes your finances and surfaces personalized signals:
📈 Trends
"At this pace, food spending will reach $640 by month end"
⚠️ Warnings
"Salary looks delayed — balance may dip below $0 in 4 days"
💡 Tips
"You can move $180 of surplus to your Vacation goal"
🎯 Achievements
"Emergency fund now covers 3 months of essentials"
Export Reports
CSV
For Excel, Sheets
PDF Statement
For printing, taxes (Pro)
How: Settings → Data → Export (CSV) or Account → Report → PDF Statement (Pro)
Forecasts
AI projects your near-term finances from balances, recurring payments, spending pace, and seasonality:
- Balance forecast — 30-day projection attached directly to your balance history
- Cash flow gaps — Warnings when your balance may go negative before the next income
- Budget pace — Projected month-end spend such as "Projected: 115% — over budget"
- Smart patterns — Recurring payments, day-of-week behavior, and seasonality improve the projection
Category Comparison
Compare categories month over month: current vs previous with ±% change shown for each category.
Money Flow
Visual flow diagram showing where money comes from and where it goes across your accounts and categories.
Spending Highlights
Track spending pace at a glance: weekly, monthly, and yearly views show whether you are on track or projected to overshoot by period end.
Detailed Analytics
Tap any card in Analytics for deep analysis: interactive donut charts, per-category merchant breakdown, day-of-week spending patterns, seasonality trends, and top merchants with spending totals.
Financial Health
Overall financial health assessment with 8 indicators, grade from A+ to F, and personalized recommendations across liquidity, savings, debt, and concentration risk.
Currency Allocation
See your whole portfolio split by currency, not just by account type. Thrust groups every asset by its original currency, converts to your base currency, and ranks the result, so you can read your true exposure for a multi-currency life at a glance.
Life Plan & What-If
Model the big decisions before you make them. Life Plan runs a Monte Carlo simulation of your finances years — even decades — ahead, factoring in income, spending, goals, and one-off life events, then shows the range of likely outcomes instead of one false-precision line.
- What-if scenarios — add a raise, a move, a new child, or a large purchase and watch the long-term effect.
- Probability bands — see optimistic, median, and cautious paths side by side.
- On-device — every simulation runs on your iPhone; your plan never leaves the device.