Reports

Reports opens on an overview: a card per report with this month's picture. Tap a card for the full report, with a chart, a table and a period to choose: this month, last month, the last 3, 6 or 12 months, this year, all time, or a custom range.

Spending, cash flow and trends read your budget accounts; transfers between your own accounts are neither spending nor income. Net worth and the accounts report include tracking accounts too.

Flags

Spending by category, spending by payee, cash flow and spending trends have a Flags button next to the period. Pick one or more flags, or No flag, and those reports count only the transactions marked that way: what the trip cost, what you are owed back. The choice stays as you move between reports, like the period; Clear filters counts everything again. The overview's cards always count everything.

The reports

• Spending by category: where the money went, by category or by group, with each one's share. Tap a row to see its transactions.
• Spending by payee: the same, by who you paid. Here too, tap a row for its transactions. A refund lowers a payee's spending only when it is entered under that payee; under another one, it still lowers its category, so this total can differ from spending by category. So does a transfer to a tracking account: spending by category counts it, and it has no payee.
• Net worth: everything you own minus everything you owe, at the end of each month, across all your accounts, tracking ones included. Each account counts as an asset or a debt by the sign of its balance.
• Cash flow: income against expenses per month, what was left (Net), and the savings rate: the share of income you didn't spend.
• Spending trends: how your biggest categories changed month by month, with each one's average.
• Assets and debts by account: what each open account holds or owes, and for debts, how much has been paid off since their peak.
• Age of Money: see below.

A card shows what it needs before its chart appears: a second month for net worth, cash flow and trends, and ten payments for Age of Money.

Age of Money

Age of Money is how long your money sat in your accounts before you spent it. A higher number means you are spending money you earned longer ago: living less paycheck to paycheck.

Moneta follows the money through your checking, savings and cash accounts. Every inflow is a pile dated the day it arrived. Each payment out takes money from the oldest pile first, and its age is how long that money waited. The figure is the average age over your last 10 payments, worked out for the end of each month.

• It appears once there are 10 payments out of those accounts.
• Card purchases count when you pay the card, which is when money actually leaves.
• Money spent that never came in (an overdraft) counts as zero days old, and the next inflows pay it back before they can be spent.

Customizing the overview

Customize lets you reorder the cards (drag them, or use the arrows) and switch off the ones you don't use. Hidden reports stay listed at the bottom, and Restore default brings back the original layout.