Your monthly money report

What is the money report?

Everywhere else you read numbers off charts and cards. The report reads them to you: plain writing on the month just closed, covering what you earned and spent, how investments moved and whether goals are keeping pace.

It is written from your own records only, and says nothing it cannot trace back to something you entered. Where the data is not there, it says so. It is a reading surface, not an editing one. Generating one never writes back into your plan, tracking log or cash flow.

How do I generate a report?

Reports are generated on request, not on a schedule. The button names the month it covers, always the last closed one: any day in September, it offers August.

1. Open “Money report” and tap generate.
2. It takes a few minutes. Leave and come back. The app keeps working and picks it up when you return.
3. It moves through stages (“Reading your month…”, “Checking every number…”) so a long wait does not read as a stall.
4. When done, the report replaces the waiting state in place.

To write a fresh one, use the “Regenerate” icon at the top of the report. Regenerating keeps the old one on screen while the new one is written, with a line noting the numbers below are from the previous version.

What is inside the report?

The report puts the numbers first:

• A headline figure, “Saved $X” for the month, or “Spent $X” if nothing was left over. A line under it gives your savings rate and how it compares with last month.
• A row of key figures, such as income, spending against last month, your nearest goal, net worth and portfolio. Figures you have not recorded are left out.
• A short summary, the month in a few sentences, with your first action beneath it and a collapsed “How we calculated this” that shows the working.
• Sections on budget, investments and goals, each with a short narrative then what stood out.
• Findings: a highlight (went well), a concern (worth watching) or a lever (you could change).
• Charts, a few, drawn from the same figures the prose quotes.
• Up to two action items, under “This month’s moves”. It is a shortlist, not a full to-do list.
• To confirm, when some transactions are waiting for you to confirm their category. “Review” opens them in Cashflow, and confirming sharpens next month’s numbers.
• A disclaimer, shown exactly as written. The report is a summary of your own records, not financial advice.

A month with nothing to say about a section simply skips it, rather than padding it out.

How do I check a number in the report?

Every figure in the prose is a tappable pill, not plain text. Tap one for its receipt: the value, where it came from and the date it is as of.

A line like “you spent $2,140 on dining” is only worth reading if you can check which transactions that is, in one tap. Anything the report could not trace is not stated as a number.

What if there is no report?

• Nothing generated yet. An invitation explains what a report is and offers to write the first one.
• Not enough to go on. Too little recorded means the app says so and points at the fix: log a few transactions in Cashflow, or update balances in Tracking. It will not generate a thin report just to show one.
• Something went wrong. An interrupted generation says so and confirms your numbers are untouched. Try again.

How do share cards work?

A report is long and private. “Share” turns the same month into a short set of images you can post, up to seven slides in a 4:5 carousel. Each section of the report also has its own small “Share this” icon. Nothing shares automatically. A card only exists if you make one.

The slides run in a fixed order: Cover, Trend, Budget, Portfolio, Goals, Moves and Close. The cover is always included. Tick or untick the others under Slides. A slide with nothing to show is not offered.

You can add a note of your own, shown on the cover and the closing slide. You can also edit the display handle and rename a goal too personal to post under its plan name.

You preview before anything is shared. “Share your month” opens a large preview of the exact images, and you swipe between the slides. “Share” sends all the slides you ticked in one go, through your device’s share options. On the web, a “Save images” button downloads them instead. On an iPad or phone, Save Image is already in the share options.

What gets shared, and what does not?

A card about your money is a disclosure. Every figure on it is your decision, not a default.

• Your actual balances are off by default. “Show balances” is a switch you turn on, for the cover and the trend slide together. Left off, the card shows the change, not the level.
• Your investment mix is on by default, and can be switched off. “Show what I invest in” prints your top asset types only, never dollar amounts. Switch it off and it is gone.
• CPF is a three-way choice: Exclude, Include or Show both, printed on the card itself. Exclude is the default. Include and Show both need CPF logged first.
• An unverifiable figure renders as withheld, visibly, never estimated or quietly dropped.

None of these choices carry over to the next card you make. Each starts from the safe defaults again. Cards are not stored on any server: the image is made on your device, and once saved it is yours alone. Cards always render light, whatever theme you use, so a saved image looks the same to everyone.

Who can see the money report?

The money report is part of full access. A lapsed trial or subscription gets an invitation to subscribe instead of a new report. See Your subscription and trial.

It is a household surface: an advisor working in your plan does not get it at all, with no “Money report” entry and no card affordance anywhere. Writing up your month, and sharing it, stays with you. See Managing your advisor’s access.