Charts

Guides

Charts answer four questions: where is an account's balance heading, where did the money go, did more come in than went out, and how much do you own after your debts?

The charts are drawn from the transactions in the journal. There’s nothing to set up: once you’ve recorded a few weeks, they start to tell you something.

Account balance

Tap an Assets or Liabilities account in the journal overview, such as your checking account or a credit card. Above its transactions, a chart shows how its balance moved and where it’s heading.

Today’s balance, the same as next to the account in the overview. Below it, where your planned transactions take it, and by when.
The time range: 3M for the last three months, 1Y for the last year, All since the account’s first transaction. Your choice applies to every balance chart.
Up to Today, the line is solid: what happened. After it, the line is dashed: transactions you’ve already entered with a later date, and repeats, which reach to the end of next month. Nothing is guessed: until you enter next month’s paycheck, the line doesn’t rise for it.

The line moves in steps, because a balance only changes when a transaction happens. Drag your finger across the chart to read the balance on any day: the date and the amount replace today’s balance at the top, marked Planned for a day after today.

A credit card’s line stays below zero while you owe on it, like its balance in the overview: the higher the line, the less you owe. See Credit cards and debt.

Categories and income accounts have no balance chart. For a category’s spending month by month, see Category history.

Open the charts

In the journal overview, tap 📊 Charts in the bottom bar.

Switch between the three charts: Expenses, Cash Flow and Net Worth.
In Expenses, pick the Month. It starts with the current one.
One bar per category, in the category’s color, the largest first.
The same categories with their totals. Tap one to see its transactions in that month. Total adds them up.

Close the charts with ✕ (Close on iOS versions before 26). Balanced remembers which chart you looked at last.

Expenses

The title reads Expenses by account: what you spent in each category in the chosen month. It answers “where did the money go?” A refund lowers its category’s total.

If the month has no expenses, you see No Expenses.

Cash flow

The title reads Income vs. Expenses. For each month, three bars sit side by side:

green: Income,
red: Expenses,
gray: Liability repayment, how much your debts went down that month. It’s your payments to credit cards and loans minus new debt, such as card purchases. The bar only appears in months when your debts went down overall.

Below the chart, each month is listed with its income, its expenses and Net: income minus expenses. A positive net means you spent less than you earned. If your debts changed, the month has one more line, Liability repayment. It’s negative when your debts grew.

Net worth

The same chart as an account’s balance, for all your Assets and Liabilities accounts together: what you own minus what you owe. At the top is today’s net worth and, if you have planned transactions, where they take it. Pick the range and drag across the chart just like in an account.

In a journal with members, the members’ accounts don’t count: they record who owes whom within the group, not money anyone owns. The account in your own journal that holds what a group owes you does count.

The list below the chart has your net worth at the end of each month, the current month as of today.

Paying off a credit card doesn’t change your net worth: your checking account and your debt both go down by the same amount. Spending lowers it, income raises it.

Planned transactions count too

Expenses and Cash Flow include every transaction in a month, also those dated after today. So the current month already contains rent and other repeats that are still to come, and next month appears as soon as it has a transaction.

The balance charts keep them apart: planned transactions are the dashed part after Today, and the net worth list stops at today.

Other charts in the app

Monthly summaries. In All Transactions and in an account’s list, every month starts with a small chart of its income, expenses and liability repayments.
Category history. In the budget editor, tap 📊 Details next to a category to see what you spent in it each month, with a dashed line at this month’s budget. See Budgeting each month.
The Budget section. In the journal overview, a bar chart shows what’s available in each category. See The Budget section in the overview.