How the numbers work

What counts as spending

If you read one page before trusting a number, read this one.

Transfers between your own accounts never count#

Moving 2 000 to your savings is not spending, and not income when it arrives. It also appears twice — once in each account's statement — so counting it would inflate both sides of the month.

Rows in any category of kind transfer are excluded from every total, unconditionally, with no switch to turn it off.

They get there automatically: every own account with a number has a managed rule matching it as a counterparty. A leg whose export carries no counterparty account has no evidence to go on, so it surfaces as uncategorized for you to assign. It surfaces; it is never silently guessed at.

Transfers to a joint account do count#

Money moved to a shared account has left this budget, so it counts as expense. Reversible: change the account's kind on the Accounts tab and the existing rows follow.

Investments count, unless you say otherwise#

Money into a brokerage left the account, so investment categories are included by default. But one lump sum makes every other month look like restraint, so Exclude investments is offered as an explicit, off-by-default switch. When on, the scope line under the tabs says investments excluded.

Uncategorized is a category#

A row no rule reached is not dropped and not folded into an "other" tail. It is a slice of the bar in gold — the one colour reserved outside the category ramp — with its own legend line and its own drill-through, and the header says how much of the period it is.

A picture that quietly excluded a fifth of the month would be a lie of omission.

Nothing is summed across currencies#

Every transaction is stored in PLN, converted at import — see Currencies. Where several currencies genuinely coexist, the dashboard reads one at a time and offers a show EUR button rather than mixing or hiding.

Expense, Net, and Income#

Expense — money out only. A refund is not subtracted from the spend it reversed, so "you spent 300 on presents" stays true.
Income — money in only.
Net — out minus back. You bought a 300 present and three friends sent 200, so it cost you 100.

Both readings are right; which you want depends on the question, so the app asks rather than choosing. Net is the only one that can go negative.

Main categories and subcategories#

Subcategories shows every category on its own; Main categories folds them into their top-level parent. It rewrites the bar, the legend and the panels together, so a figure read off the legend is the figure the panel below is comparing. Drills follow: a rolled-up row opens the whole subtree.

Which date a row lands on#

A transaction carries one date: the date the money moved — the transaction date, the day you paid rather than the day the bank finished posting it. A card payment made on the 31st and booked on the 1st is in the old month, the month you spent it in.

Exports usually carry both, and the reading takes the transaction date when the file offers one. It falls back to the booking date where a bank has no transaction column, or where the transaction column is empty on rows the booking one carries — a date is only the better one if it is actually there.

Whichever column the layout names, that is the only date stored: a column no screen shows is one more thing to map correctly forever.

Statements are usually ordered by the booking date, so a row can sit in a different month here than the line it came from. That is the intended difference, not a rounding error.

Hidden accounts still count#

Hiding takes an account out of pickers. It does not take it out of any total.

What the app deliberately does not model#

No balances derived from your imports. Savings accounts are never imported, so a balance built from them would measure which statements you uploaded rather than money you have. Net worth is tracked separately, from figures you type yourself — see How net worth is worked out. The two never mix: no net-worth figure enters a spending total, and no imported transaction moves a net-worth figure.
No forecasting, no budgets or envelopes. The app tells you where the money went; it holds no opinion about where it should have gone.
No bank connection. Files you exported yourself, and nothing else.

When two numbers disagree#

Usually one of four things: an active filter (the scope line under the tabs prints the scope for this reason), a different flow, a different grouping, or Exclude investments on in one place and off in the other.

If a figure still looks wrong, click it. Every number opens the transactions behind it, and every transaction opens down to its original line of CSV.