The SavePoint Dashboard

💳 The Four Summary Cards (Top of Dashboard)

These four colored cards at the top of your dashboard give you the most important numbers at a glance:

• Monthly Income: How much money came in this month. If it's green with an up arrow, you're earning more than last month. If it's red with a down arrow, you're earning less - this might be normal (like seasonal work) or something to investigate.
• Monthly Expenses: How much you've spent this month. Red with an up arrow means you're spending more than last month - check if this was planned (like a big purchase) or if your spending is getting out of control.
• Net Worth: Your total assets minus total debts. This should generally trend upward over time. If it's dropping consistently, you're either spending more than you earn or your investments are declining.
• Savings Rate: What percentage of your income you're keeping (not spending). Financial experts recommend 20% or higher.

📊 Budget Progress Chart

This module shows you how much of your monthly budget you've spent in each category:

• Green progress bars: You're spending normally in these categories - no action needed
• Yellow/orange bars (over 80% spent): You're getting close to your budget limit. Consider slowing down spending in these categories or check if you have any large purchases left this month
• Red bars (over 100%): You've exceeded your budget in these categories. Check what caused the overspending - was it a one-time purchase or are you consistently overspending?
• Empty or very short bars: Either you haven't spent anything in these categories yet, or you might have set your budget too high

📈 Net Worth Chart

This line chart shows whether your overall wealth is growing over time:

• Line trending upward: Your wealth is growing - you're building assets and/or paying down debt
• Line trending downward: Your wealth is decreasing - either you're spending more than earning, or your investments have lost value
• Flat line: Your net worth isn't changing much - you're maintaining your financial position but not improving it
• Big jumps up or down: These usually indicate large purchases (house, car), debt payments, or investment gains/losses

🎛️ Module Customization Features

• Drag-and-Drop Reordering: Rearrange modules to match your preferred workflow
• Module Enable/Disable: Turn modules on/off based on relevance to your financial situation
• Layout Width Control: Set modules to full-width or half-width layouts
• Personal Preferences Saving: Dashboard configuration persists across sessions
• Reset to Defaults: Quickly restore original dashboard layout and settings
• Real-Time Preview: See changes immediately as you customize layout

💰 Summary Cards

Four color-coded cards displaying your key financial numbers for quick financial overview:

• Total Income: How much money you've earned (green card with up arrow icon)
• Total Expenses: How much you've spent (red card with down arrow icon)
• Net Worth: Your total assets minus total debts (blue card with chart icon, includes currency breakdown if you have accounts in multiple currencies)
• Savings Rate: What percentage of your income you're saving (yellow card with piggy bank icon, calculated as: income minus expenses, divided by income)

📊 Budget Progress

Shows how much you've spent in each budget category this month. The donut chart visualizes your spending distribution, while the list below shows detailed budget vs. actual for each category:

• Donut Chart: Each slice represents a budget category. Hover over a slice to see how much you've spent vs. budgeted
• Category List: Each category shows budgeted amount, amount spent so far, amount remaining, and a progress bar
• Color Coding: Green if under budget, yellow if getting close, red if over budget

In envelope mode: this module is relabelled Envelope Progress and switches to a traffic-light doughnut of your envelopes' health for the current month - green for envelopes comfortably within their funding, amber for those running low, and red for any that are overspent - with a list of each envelope and how much it has left. See Envelope Budgeting for the full picture.

✉️ Envelope Summary (envelope mode)

When envelope budgeting is on, this module gives a quick read on your envelope budget without opening the Budget page. It is added to your module list automatically the first time envelope mode is detected, and you can show or hide it like any other module in Dashboard Settings.

• Unassigned Cash: money you have not yet assigned to an envelope - your starting point each month
• Overspent: any envelopes that have gone negative, so you can cover them before they roll into next month
• Sinking Fund Progress: how your longer-term savings envelopes are tracking toward their targets

The Financial Health score also adapts: its Budget Adherence component becomes Envelope Adherence, measuring the share of your envelopes that are not overspent.

📈 Net Worth Trend

Tracks how your net worth has changed over time using a line chart. This shows whether your financial situation is improving - your net worth should generally trend upward:

• Time Periods: View net worth over the past 6 months, 1 year, or longer
• Interactive Chart: Hover over any point to see the exact net worth on that date
• Trend Analysis: Upward trend means growing wealth; downward means shrinking wealth

🏦 Account Balances

Lists all your accounts with their current balances in one place. Accounts are grouped by type (Checking, Savings, Investment, Credit Cards, Loans, etc.) with totals for each type. In the "Total (Grouped)" view, accounts are sorted by balance descending within each group, with asset accounts displayed first followed by liability accounts, making it easy to see your largest balances at a glance. Click on an account to go to the Accounts page to update its balance or view more details.

📋 Recent Transactions

Shows your most recent transactions (usually the last 10) so you can quickly see your latest spending and income without going to the Transactions page:

• Transaction Details: Date, description/payee, category, account, and amount for each transaction
• Color Coding: Income shows in green, expenses in red
• Quick Actions: Click on a transaction to edit it, or use "View All Transactions" link to see the full list

💡 Financial Health Score

Calculates your overall financial health using a comprehensive 0-100 point scoring system based on five key components of your actual financial data. The module shows a doughnut chart with your total score, plus a detailed breakdown and prioritized recommendations:

• Five Scoring Components: Savings Rate (25 points max), Net Worth Position (20 points), Budget Adherence (20 points), Emergency Fund (15 points), and Debt-to-Income Ratio (10 points)
• Progress Bars: Each component shows your score out of its maximum with a color-coded progress bar (green for 80%+, blue for 60-79%, yellow for 40-59%, red for under 40%)
• Priority Actions: Recommendations are automatically generated based on your weakest areas and displayed 2 at a time with pagination controls. You can click "Show all" to see every recommendation at once
• Help Button: Click the question mark icon in the card header to see exactly how each component is calculated and what scores mean

📊 Income & Expense Distribution

Uses pie charts to show where your money comes from (income sources) and where it goes (expense categories). Each slice shows what percentage of your total income or expenses that category represents:

• Dual Charts: One for income sources, one for expense categories
• Flexible Time Periods: View distribution for this month, last 3 months, or the year
• Spending Analysis: If one expense category is taking up a huge slice, that might be an area to review for potential savings

📈 Cash Flow Trend

Displays your income, expenses, and net cash flow (income minus expenses) over time using three separate lines. Use this to look for patterns - Are certain months always tight? Is your spending trending upward?

• Three-Line Chart: Income line, expenses line, and net cash flow line
• Positive vs Negative: When net cash flow is above zero you're saving money; below zero means you spent more than you earned
• Trend Identification: See if your cash flow is improving, staying steady, or getting worse

🐷 Savings Rate Tracker

Monitors your savings rate percentage over time. You can view different time periods (Current Month, 3M, 6M, 1Y, 3Y) using the buttons in the card header. Financial experts typically recommend saving at least 20% of your income:

• Current Rate Display: Large percentage shown at the top of the card for the selected time period
• Bar Chart: Monthly bars showing your savings rate over the selected period, color-coded against your savings target (green if meeting target, yellow if halfway to target, red if below)
• Savings Target: Uses your budget's savings goal (defaults to 20% if not set) to color-code the bars automatically

💧 Income vs Expenses Waterfall

Visualizes how your income flows through different expense categories to end up as net savings. This makes it easy to see which expense categories are eating up most of your income - the bigger the bar, the bigger the impact on your savings:

• Starting Point: Begins with your total income
• Expense Flow: Each expense category appears as a bar that reduces the running total
• Ending Point: Final bar shows what's left (your savings) or deficit (if you overspent)
• Color Coding: Green for income, red for expenses, blue for final savings amount

🎯 Goals Progress Pulse

Displays progress on your active financial goals with alerts for goals that need attention. This helps you stay on top of your goals by highlighting which ones need more focus:

• Goals Needing Attention: Goals that are behind schedule or at risk of missing their deadline
• Progress Tracking: Shows how far along you are toward each goal
• Upcoming Deadlines: Goals with approaching deadlines
• On-Track Goals: Goals that are progressing well

Note: This module is disabled by default. Enable it in Dashboard Settings if you want to use it.

📊 Example Dashboard Styles

• Daily Overview Style: Turn on Summary Cards, Recent Transactions, and Budget Progress for routine monitoring
• Planning Style: Turn on Goals Progress, Budget modules, and Financial Health for strategic planning
• Investment Focus Style: Turn on Net Worth Trend, Account Balances, and Cash Flow for portfolio tracking
• Minimalist Style: Turn on only essential modules (like Summary Cards and Budget Progress) for quick financial status checks