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Tovari Docs

Reports

What reports are for

Section titled “What reports are for”

Your register tells you what happened. Reports tell you what it added up to — where the money went, who you paid, how this month compares with the last six, and what is likely to be left at the end of the month.

Every report is worked out on the server from the same transactions your register shows, so a report and the register can never quietly disagree.

The seven reports

Section titled “The seven reports”
Report What it answers
Spending by Category Where the money went, broken down by category and set against your budget.
Spending by Payee Who you paid, how much, and how often.
Spending by Month How each month compares with the ones around it.
Income vs Expenses Both sides side by side, month by month.
Net Worth What you own against what you owe, over time.
Cash Flow Money in and out, including what is still scheduled to happen.
Safe to Spend The full working of the number on your dashboard.

Choosing the period

Section titled “Choosing the period”

Every report covers a period you choose. The presets are This Month, Last Month, Last 3 Months, Last 6 Months, Year to Date and Last Year, and you can set a Custom range of your own instead.

Cash Flow is the one report that looks forward. Because it projects rather than summarises, it also offers Next 3 Months, Next 6 Months and Next 12 Months. Those forward periods are not offered on the other reports — a rollup of what already happened has no future to show — so if you pick one on Cash Flow and then move to another report, the period falls back to a historical one.

Narrowing what is counted

Section titled “Narrowing what is counted”

Two filters change what a report counts, rather than when:

  • Budget Only limits the spending side to categories you actually budget, so one-off categories you never planned for stop crowding the picture. Income is never filtered this way. The toggle appears on Spending by Category, Spending by Month and Income vs Expenses; the other four reports are not budget-scoped and do not offer it.
  • All Accounts lets you narrow a report to particular accounts. Cash Flow starts from your Safe to Spend accounts instead, because that is the set the projection is about, and tells you which scope it used underneath the figures.

Transfers between two of your own accounts are never counted as spending or income in any report. Moving money from checking to savings is not an expense, and Tovari treats it that way everywhere.

Finding your reports

Section titled “Finding your reports”

Reports is in the left-hand navigation. The seven reports run across the top as tabs, and the period, Budget Only and account filters sit in the header above whichever one you are reading. All seven are available.

Reading a report

Section titled “Reading a report”

Each report opens on a set of headline figures, then its chart, then the detail beneath. The period you choose carries across as you move between reports — if you were reading the last six months of spending by category, switching to spending by payee keeps those six months — except where the report you are moving to cannot offer that period, as with Cash Flow’s forward ranges.

Following a number to its transactions

Section titled “Following a number to its transactions”

Two reports let you keep going rather than stopping at the chart:

  • On Spending by Month, open a month to see the payees that made it up.
  • On Spending by Payee, open a payee to see the individual transactions behind the total.

This is the fastest route from “that month looks wrong” to the transaction that explains it.

On a phone browser

Section titled “On a phone browser”

The reports are all here in the phone-browser layout, in a header that wraps the same tabs and filters into a narrower space. For sustained reading — comparing months, following a payee down to its transactions — the computer layout has considerably more room.
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