Reports and Analytics in SavePoint

📊 Core Financial Analysis

1. 📊 Income vs Expenses Report
   Reports → Income vs Expenses

   Purpose: Check if you're spending more than you earn. This report shows your cash flow each month so you can spot problems early.

   Summary Cards: Total Income, Total Expenses, Net Income (what's left), and Savings Rate percentage.

   Main Chart: Side-by-side bars with green for income and red for expenses. Hover over any bar to see the category breakdown. Click a bar to see those specific transactions.

   What to Look For:

   • Red bars taller than green bars = overspending that month
   • Trend line going down = spending increasing faster than income
   • Seasonal patterns = higher expenses certain months (holidays, summer)
   • One-time spikes = major purchases or bonuses

   Use This To: Set realistic budgets, identify months where you overspend, track if lifestyle changes are working, prepare tax estimates from income totals.

2. 📊 Category Breakdown Report
   Reports → Category Breakdown

   Purpose: See where every dollar goes. This report shows what percentage of your money goes to each category (rent, food, entertainment, etc.).

   Summary Cards: Top spending categories with percentages and amounts.

   Main Charts: Donut chart shows percentages (hover to see amounts). Bar chart below shows actual dollar amounts per category.

   What to Look For:

   • Categories over 30% of spending = potential areas to reduce
   • Small percentages that add up = subscription creep
   • Red badges = categories over budget

   Use This To: Find where to cut spending, verify budget allocations make sense, identify forgotten subscriptions, check if spending matches your values.

3. 📊 Net Worth Trend Report
   Reports → Net Worth Trend

   Purpose: Track if you're building wealth or going into debt. Shows the value of everything you own minus everything you owe.

   Summary Cards: Total Assets, Total Liabilities, Net Worth, and Growth Rate percentage.

   Main Chart: Three lines - green (assets), red (liabilities), blue (net worth). The gap between green and red is your net worth. Click legend items to hide/show specific lines.

   What to Look For:

   • Blue line going up = building wealth (net worth increasing)
   • Green line going up = total assets growing
   • Red line going down = paying off debt successfully (liabilities decreasing)
   • Blue line flat = net worth stagnant (income equals spending, or asset growth cancels debt growth)
   • Big drops = major purchases or market downturns

   Use This To: Track FIRE progress, verify debt payoff is working, see impact of major purchases, monitor investment growth, prepare for loan applications.

📊 Financial Planning Reports

4. 📊 Monthly Cash Flow Report
   Reports → Monthly Cashflow

   Purpose: See your cash position month by month. Helps you spot when you might run low on cash before it happens.

   Summary Cards: Average Monthly Inflow, Average Monthly Outflow, Net Cash Flow, Current Cash Position.

   Main Chart: Stacked bars showing money in (green) and money out (red) each month. The line shows your running cash balance (net cashflow).

   What to Look For:

   • Line dipping low = potential cash crunch coming
   • Negative months = spending more than earning that month
   • Seasonal patterns = plan for expensive months
   • 3-month average helps smooth out unusual months

   Use This To: Plan for large purchases, build emergency fund targets, time bill payments, identify best months for investments.

5. 📊 Budget Performance
   Reports → Budget Performance

   Purpose: Compare what you planned to spend versus what you actually spent. Shows which categories are over or under budget.

   Summary Cards: Total Budget (total amount budgeted across all categories), Actual Spending (total spent), Variance (difference between budget and actual), Budget Used % (percentage of budget consumed).

   Main Chart: Grouped bar chart showing each budget category with two bars. Blue bar = your budgeted amount for that category. Second bar = actual spending, colored green if you're under budget or red if you're over budget. Categories with no actual spending only show the blue budget bar.

   What to Look For:

   • Red bars taller than blue = over budget in that category (spent more than planned)
   • Green bars shorter than blue = under budget (spent less than planned, money saved)
   • Missing second bars = zero spending in that category (is that normal or concerning?)
   • Consistently over in same categories = either unrealistic budget or spending problem
   • Big differences = investigate with Cashflow Drilldown to see specific transactions

   Use This To: Monthly budget reviews, identify problem categories, adjust unrealistic budget amounts, reallocate funds from under-budget categories to over-budget ones.

6. 📊 Investment Performance
   Reports → Investment Performance

   Purpose: Track how your investments grow over time. Shows each investment account separately and combined total.

   How SavePoint Identifies Investment Accounts: The report searches for accounts using 2 methods: 1) **Asset Class** contains "investment" (primary method), 2) **Account Name** contains "investment" (fallback method). If an account matches either criteria, it's included once (no double counting). Make sure your 401k, IRA, brokerage, and other investment accounts have "investment" in their Asset Class or Account Name.

   Two Ways to Track Investments: You have flexibility in how granular you want your investment tracking:

   • High-Level Brokerage Tracking: Create one account for your brokerage (e.g., "My Brokerage Account") with asset class "Investment". Update the account balance to reflect the total portfolio value. This gives you a simple overview of your total brokerage account performance over time without tracking individual holdings.
   • Line-Item Investment Tracking: Create separate accounts for each individual investment (e.g., "Index Fund A", "Tech Stock B", "Crypto Holding") with asset class set appropriately for each. Update each account's balance individually. This gives you detailed visibility into how each specific investment is performing, making it easier to track which holdings are growing and which need attention.

   Note: You can mix both approaches. Track your main brokerage at a high level while tracking specific investments (like cryptocurrency or individual stocks held elsewhere) as separate line items.

   Summary Cards: Portfolio Value (current total), Total Gain/Loss (change in value), Total Return (percentage), Number of Accounts.

   Main Chart: Line chart with separate line for each investment account. Toggle accounts on/off in the legend to focus on specific investments.

   What to Look For:

   • Steady upward trend = investments growing
   • Big drops = market corrections (normal but noteworthy)
   • Flat lines = account not being funded or poor performance
   • Compare account growth rates = rebalancing opportunities

   Use This To: Monitor retirement savings progress, decide when to rebalance, track FIRE progress, compare account performance.

   Setup Tip: If your investment accounts don't appear, check that your **Asset Class** includes "investment", or rename your **Account Name** to include "investment" (like "401k Investment" or "Brokerage Investment").

7. 📊 Debt Analysis
   Reports → Debt Analysis

   Purpose: Track your debt payoff progress. Shows how much you've paid down and how much remains.

   How SavePoint Identifies Debt Accounts: The report searches for accounts using 5 methods: 1) **Asset Class type** equals "Liability", 2) **Asset Class** contains "liability", "debt", "loan", or "credit", 3) **Account Type** contains "credit", "loan", "debt", "mortgage", or "liability", 4) **Account Name** contains debt-related terms, 5) **Linked Category Information** has liability type. If an account matches any criteria, it's included once (no double counting). SavePoint separates short-term debt (credit cards, current liabilities) from long-term debt (mortgages, loans).

   Summary Cards: Total Debt (current balances), Short-Term Debt, Long-Term Debt, Debt Reduced (progress made).

   Main Chart: Bar chart showing debt balance each month. Declining bars mean you're making progress.

   What to Look For:

   • Bars getting smaller = debt decreasing
   • Steep declines = extra payments working
   • Flat sections = only paying minimums
   • Short-term vs long-term debt breakdown helps prioritize payoff strategy

   Use This To: Verify debt payoff strategy is working, motivate yourself with progress, decide which debts to pay first, celebrate milestones.

   Setup Tip: If your debt accounts don't appear, make sure your **Asset Class type** is set to "Liability", or include terms like "credit", "loan", or "debt" in your **Asset Class**, **Account Type**, or **Account Name**.

📊 Money Flow Visualization

8. 📊 Income Flow (Sankey)
   Reports → Income Flow

   Purpose: Visualize the complete path your money takes from income sources to spending categories and savings. This report answers "Where does my money actually go?" in one clear diagram.

   What You See: A flow diagram with three sections:

   • Left Side (Income Sources): All your income categories (Salary, Bonuses, Freelance, etc.) with green bars showing how much each contributed. Sorted largest to smallest.
   • Middle (Total Income): A gradient bar showing your total income flowing through the system.
   • Right Side (Where It Goes): All your expense categories (top 10 largest) with red bars showing how much went to each, plus a blue bar for savings if you had a positive balance.

   How Bar Size Relates to Money: The height of each bar is proportional to the amount. If Groceries consumed $800 and Dining Out consumed $400, the Groceries bar will be twice as tall. This makes it immediately obvious where most of your money goes.

   What to Look For:

   • The tallest red bars = your biggest expenses (these are where you have the most potential to save or cut if needed)
   • Savings bar at the bottom right = you're saving money (good); no savings bar = you spent everything or overspent (concerning)
   • Many similarly-sized bars = spending is spread out across many categories vs concentrated in a few
   • Compare the total height of all red bars to your middle income bar visually to see if they're balanced

   Practical Use Cases: This report is excellent for explaining your finances to someone else (spouse, advisor, loan officer). It's also useful when you want to quickly identify your top 3-5 spending categories to target for reduction. Unlike tables of numbers, this visual immediately shows priorities.

9. 📊 Sankey 2.0
   Reports → Sankey 2.0

   Purpose: An interactive, professional-grade version of the Income Flow report using advanced charting. Shows the same money flow concept but with curved, flowing connections.

   Key Differences from Regular Sankey:

   • Curved Flow Lines: Instead of simple bars, you see smooth curved lines connecting income sources to spending categories. The width of each line represents the amount of money flowing.
   • Interactive Hover Details: Hover over any node (income source, expense category) or flow line to see exact amounts and percentages in a tooltip.
   • Fullscreen Mode: Click the fullscreen icon to expand the diagram to your entire screen, making labels and flows much easier to read and analyze in detail.
   • Better for Complex Finances: If you have many income sources or expense categories, the curved flows make it easier to trace specific paths without visual clutter.
   • Professional Presentation Quality: The smooth graphics and polished styling make this suitable for showing to financial advisors, lenders, or in formal presentations.

   How to Use Fullscreen Mode: Click the fullscreen button in the top right of the chart. In fullscreen, you can zoom in/out and pan around to focus on specific flows. This is particularly useful when you have 10+ categories and want to examine individual flows without other information in the way. Click the Exit to Full Screen button to return to the normal view.

   When to Choose Sankey 2.0 Over Regular Sankey:

   • You have many categories and need the interactive filtering/hover features to navigate
   • You're preparing a formal presentation or meeting with an advisor
   • You want to export a professional-looking chart image for reports or documents
   • You prefer the curved flow and graphical aesthetic over simple bars

   When Regular Sankey Is Fine: For quick personal analysis, simple finances with few categories, or if your computer is slow (Sankey 2.0 uses more graphics processing).

📊 Trend Analysis

10. 📊 Expense Category Trends
    Reports → Expense Category Trends

    Purpose: This report goes beyond simple totals to show you HOW your spending is changing over time, identify patterns you wouldn't notice month-to-month, and reveal whether categories are stable or unpredictable.

    Summary Cards: Total Expenses (sum across all categories for the period), Categories Analyzed (how many expense categories have data), Average Monthly Spending (total divided by months), and Trend Summary (how many categories are increasing, decreasing, or stable).

    Main Chart (Top 8 Categories): Multi-line chart showing your 8 biggest spending categories over the selected time period. Each colored line represents one category. You can see at a glance which categories are climbing, which are dropping, and which are flat.

    Detailed Statistics Table: Each category gets a full breakdown with Total Spending, Avg Monthly, Growth Rate % (how much increased/decreased comparing recent to earlier months), Trend Direction (Increasing/Decreasing/Stable based on >10%, <-10%, or between), Stability Score (0-100, higher = more predictable), Seasonal Pattern (which quarter peaks, or if consistent), and Peak Month (when spending was highest).

    What to Look For:

    • High Growth Rate (>20%): Category growing fast, investigate for lifestyle inflation or new necessary expenses
    • Low Stability Score (<50): Unpredictable spending makes budgeting hard, review if miscategorizing or genuinely erratic
    • Seasonal Patterns: Plan ahead by saving in low quarters to cover high quarters, don't get surprised by predictable patterns
    • Declining Trends: Celebrate successful spending reduction and replicate the approach elsewhere
    • Flat Lines With High Stability: Perfect budgeting candidates, use the average monthly amount confidently

    Practical Examples: Dining Out with 35% growth catches lifestyle inflation you didn't notice month-to-month. Groceries with Avg $650, Stability 82, Stable trend means you can may be able to budget $650/month confidently. Utilities showing Q1/Q3 High lets you plan for seasonal spikes. Subscriptions showing -25% growth confirms your cancelation efforts are working.

    Use at least 6 months of data; 12+ months ideal for seasonal patterns; 18-24 months for long-term trends vs short-term fluctuations.

11. 📊 Income Category Trends
    Reports → Income Category Trends

    Purpose: Track how your income sources change over time, identify which income streams are growing or declining, and understand the stability of your income for better financial planning.

    What This Report Shows: The same detailed trend analysis as Expense Trends, but for income categories. You get growth rates, stability scores, seasonal patterns, and peak months for each income source (Salary, Bonuses, Freelance, Investment Income, etc.).

    Why Income Trends Matter:

    • Evaluate Side Hustles: Freelance income showing 45% growth with high stability means double down on it. Showing -30% growth with low stability means pivot or drop it.
    • Track Salary Progression: Salary should hopefully show steady growth. Flat salary over multiple years signals it may be worth evaluating your current employment position.
    • Income Diversification: If 95% comes from one salary (one thick line, others barely visible), you have concentration risk. Building additional income streams reduces vulnerability.
    • Seasonal Income Planning: Bonus income might show Q4 high (year-end bonuses). Knowing this helps plan cash flow and avoid overspending in high-income months.
    • Investment Income Tracking: Dividend/interest income showing steady growth indicates investments working. Declining investment income signals portfolio problems.

    Practical Use Case: Considering leaving your job to freelance full-time? Run Income Category Trends for 18 months. If freelance shows positive growth, high stability (>70), and monthly average approaching your salary, data may support the leap. High variability and inconsistent growth means you need more runway.

    Compare With Expense Trends: Run both side-by-side. If income growing 5% annually but expenses growing 8% annually, you're slowly going backward financially even though both are positive. This comparison reveals problems you'd miss looking at either alone.

📊 Household & Tag Reports

12. 📊 Household Budget Report
    Reports → Household Budget Report

    Purpose: Answer who paid what, who earned what, and whether one member of the household is consistently carrying more than their fair share. Only appears in the report dropdown when Household Mode is Simple or Advanced (see Household & Members).

    Summary Cards: Total Income (household total), Total Expenses (household total), and Net (household total). These mirror the household-level numbers; the per-member breakdown lives in the tables below.

    Main Chart: Grouped bar chart with Income, Expenses, and Net for each member side by side. The fastest way to spot imbalances. If Sarah's Income bar is tall but her Expenses bar is shorter than Tom's, she is the net contributor for that period.

    Member Overview Table: Income, Expenses, and Net columns per member with a household total row. Same numbers as the bar chart but in a precise tabular form for spreadsheet-style scanning.

    Category Breakdown by Member Table: Two columns per member: Actual (how much they paid in that category) and Share of Total (what percent of the category that represents). Lets you see "Sarah covered 65% of Groceries; Tom covered 35%" without pulling out a calculator.

    Contribution Balance Panel: Compares each member's actual share of shared expenses against the rule you set in Settings > Household (Equal Split, Proportional to Income, or Custom Percentages). If Sarah's expected share is $1,200 and she paid $1,400, this panel shows her +$200 over and Tom -$200 under. This is the "who owes whom" calculation.

    What to Look For:

    • One member consistently in the red on the Contribution Balance panel = the rule may not match actual cash flow; consider switching from Equal to Proportional, or settle up at month end.
    • One member with no Expenses bars at all = transactions are not being attributed correctly. Open the Transactions page and check the Owner field on recent entries.
    • Big swings between members in the Category Breakdown = one member's spending dominates a category. Could be intentional (one person handles all groceries) or unintentional (the default member is being auto-applied to bills both people share).
    • Net column negative for one member while positive for another = one person is effectively funding the other. Check whether that matches the household's actual arrangement.

    Use This To: Settle up at the end of the month or quarter, validate that your chosen contribution rule still matches reality, find shared expenses that have been miscategorized as one member's, prepare an honest conversation about who is carrying what.

13. 📊 Tag Summary Report
    Reports → Tag Summary

    Purpose: See how much money flows through each label that cuts across your categories. Tags answer questions categories cannot, like "how much have I spent on anything tagged Vacation this year?" or "what fraction of my spending is tagged Subscription?" Requires at least one tag to exist (see Tags & Tagging System to set them up).

    Summary Cards: Top Tag by Spend (the tag with the highest expense total), Most Used Tag (the tag attached to the most transactions, by count), Tags with Activity (how many of your tags actually appeared in the date range), and Tagging Coverage (percentage of your transactions that have at least one tag attached).

    Main Chart: Horizontal stacked bar chart, one bar per tag, with Expenses (red segment) and Income (green segment) stacked. Sortable by total so the heaviest tags rise to the top.

    Sortable Table: One row per tag with columns Tag, Expenses, Income, # Txns, Avg / Txn, % of Total, and Largest Transaction (the single biggest charge with that tag). A Total row sums each numeric column.

    Unused Tags Callout: Below the table, a list of any tags you defined but did not actually attach to any transactions in the date range. A clean-up hint, not an error.

    What to Look For:

    • Tagging Coverage below 50% = a lot of transactions are flying without labels and the totals on this report only describe the labeled subset. Either tag more aggressively or accept that this report tells you about a slice, not the whole.
    • One tag dominating (say, 60% of total) = check whether it should split into more specific tags. "Subscription" carrying 60% might break usefully into "Subscription / Software" vs "Subscription / Entertainment".
    • A tag with a huge Largest Transaction but a small Avg / Txn = one outlier is dragging the total. Click into the table to investigate; could be a misapplied tag or a genuinely unusual purchase.
    • Many tags in the Unused list = your tag library has grown beyond what you actually use. Consider deactivating the ones you no longer apply (see Deactivate vs Delete in the Tags section).

    Use This To: Review whether tags are pulling their weight, decide which tags to retire, spot concepts that have grown big enough they should become their own category, confirm cross-cutting spending themes are tracked.

14. 📊 Tax Summary Report
    Reports → Tax Summary

    Purpose: Organize tax-relevant transactions by your Tax-group tags so you have something concrete to hand to a CPA, plug into tax software, or use to spot-check your own filing. SavePoint is not a tax advisor; this report is a preparation tool, not advice. The report itself carries a disclaimer to that effect.

    Summary Cards: Taxable Income (sum of transactions tagged with income tax tags marked taxable), Potential Deductions (deduplicated total, see footer explanation below), Top Deduction Category (your largest single tax tag), and Needs Review (count of transactions tagged "Tax Review Needed" so you know how much triage is still left before filing).

    Income Classification Section: Splits income transactions into Taxable, Non-Taxable, and Unclassified buckets based on Tax-group tags. Unclassified means the transaction reads as income but does not carry a tax tag; you may want to label it before filing season.

    Potential Deductions by Category Section: One table per deductible Tax tag (Tax Deductible, Medical / Healthcare, Charitable Donation, Home Office, and so on). Each row is one transaction. The "Also tagged" column shows badges for any other tax tags the same transaction carries, so cross-tag overlap is explicit rather than hidden.

    Two Distinct Footer Totals (this is the important part): Because a single transaction can carry several tax tags, the per-category footer would normally double-count. SavePoint shows two footers so the difference is explicit:

    • Sum of categories (may double-count): Adds every per-tag total. A transaction tagged both "Medical" and "Tax Deductible" counts in both categories' totals. Preserves per-category exposure for individual review.
    • Unique deductible (highlighted light green): Each transaction counts once, regardless of how many tax tags it carries. This is the number that matches the Potential Deductions summary card and is what you would actually claim once.

    If any transaction in your data has multiple tax tags, an info banner above these footers explains the gap between them so the discrepancy is not confusing.

    Review Queue: Up to 25 transactions tagged "Tax Review Needed" listed at the bottom. Your triage list of things you flagged earlier and want to come back to before filing.

    What to Look For:

    • Sum of categories much higher than Unique deductible = a lot of transactions carry multiple tax tags. Decide which is the right primary tag and remove the others, or just trust the Unique deductible total.
    • Unclassified income greater than zero = you have income transactions that should probably carry a Taxable Income or Non-Taxable Income tag. Open them and decide.
    • Review Queue still has items as the filing date approaches = these need a decision before you file.
    • A category with one huge transaction = double-check the receipt and the tag. Large single deductions tend to get scrutinized.

    Use This To: Prepare a deduction worksheet for tax software, hand a clean total to a CPA, confirm you have actually tagged the receipts you expect to claim, identify income that has not yet been classified.

    Important: This report depends entirely on you having tagged transactions correctly. If you did not tag your charitable donations with "Charitable Donation", they will not appear here. Build the tagging habit through the year rather than at filing time when receipts are already a blur.

15. 📊 Envelope Month (envelope budgeting only)
    Reports → Envelope Month

    Appears when: You have envelope budgeting turned on. These three envelope reports read from your envelopes rather than your yearly budget, so they only show in the dropdown while envelope mode is on.

    Purpose: A full snapshot of one envelope month - every envelope's Funded, Spent, and Available, grouped exactly like the Budget page. Think of it as a printable month-end statement of where every dollar sits.

    Which month: Envelopes are monthly, so this report shows the month at the end of your selected date range. A caption at the top states which month you are viewing; to see a different month, move the range end.

    Summary Cards: Unassigned Cash, Future Funds, Envelopes Total, and Drift (the gap, if any, between your envelopes and your real account balances).

    Chart: A bar chart of Funded vs Spent for each group (Needs, Wants, Savings, Debt, and any custom group). System buckets are not charted, the same as on the Budget page.

    Table: Each group lists its envelopes with Funded, Spent, Refunds, and Available, then a Subtotal row. Below all groups is an All Envelopes grand total, then a System Balances section listing Unassigned Cash and any Card Payment Reserves (plus a Future Funds line on the current month when you have money set aside; Unassigned Cash there is shown net of it). The All Envelopes total covers your spending and savings envelopes only; add the System Balances to it and you get the Envelopes Total card.

    Drift note: When you are viewing the current month and your account balances do not match your envelopes, an amber note states the size and direction of the gap and points you to reconcile on the Budget page. Past and future months do not show it, because drift is a right-now comparison.

16. 📊 Envelope Trends (envelope budgeting only)
    Reports → Envelope Trends

    Purpose: A month-by-month history of your envelope budget across the selected range, so you can see how funding, spending, and overspending move over time. Best for spotting patterns ("Which months do I keep overspending?").

    Summary Cards: Months Tracked, Total Spent, Average Available, and Months with Overspend.

    Table: One row per month (the most recent 36 if your range is longer), with Funded, Spent, Available, Overspent # (how many envelopes ended that month negative), and Overspent $ (the total amount overspent). A chart plots the same monthly figures.

    What it leaves out: System buckets (Unassigned Cash, Card Payment Reserves) and archived envelopes, so the totals reflect your real spending and savings envelopes. There is no drift note here, because Trends is a historical view rather than a right-now reconciliation.

17. 📊 Sinking-Fund Progress (envelope budgeting only)
    Reports → Sinking-Fund Progress

    Purpose: How your savings funds are tracking toward their goals - vacation, gifts, car repairs, annual premiums.

    Which funds appear: Only savings-role envelopes that have a target amount set. Everyday spending envelopes never appear here. Like Envelope Month, it is a point-in-time snapshot of the month at the end of your date range.

    Summary Cards: Sinking Funds (count), Total Saved, Total Target, and Overall Progress (%).

    Chart: Horizontal bars comparing Saved against Target for each fund.

    Table: Envelope, Saved, Target, a Progress bar with the percentage, Remaining (Target minus Saved), Monthly (your planned monthly contribution, if set), and Months Left (estimated months to reach the target at that pace). A completed fund shows "Reached"; a fund with no monthly pace set shows a dash.

    No "Spent" column: Sinking funds are funded and left to accumulate, not spent down, so progress is measured as Saved against Target. When you eventually use the money, that spending shows on the Envelope Month report. A drift note appears on the current month if balances and envelopes disagree, because saved balances may not be fully backed by cash until you reconcile.

📊 Interacting With Charts

Hover for Details: Move your mouse over any point, bar, or line in a chart to see exact numbers, percentages, and labels in a tooltip. This is faster than searching through tables for specific values.

Toggle Data Series: Charts with multiple lines or datasets (like Trend Analysis showing 8 categories) have a legend with clickable items. Click any legend item to hide/show that data series. Useful when one line dominates the scale and hides the others, or when you want to compare just 2-3 categories instead of all of them.

Fullscreen View (Sankey 2.0): The Sankey 2.0 report has a fullscreen button (icon in top right of chart). Click it to expand the chart to your entire screen. In fullscreen, you can zoom and pan to examine complex flows. Press ESC to exit.

Light/Dark Mode Adaptation: Charts automatically adjust colors when you switch between light and dark themes in Settings. Income shows in greens/blues, expenses in reds/oranges for quick recognition."

Chart Types You'll See:

• Bar Charts: Budget Performance, Category Breakdown, Monthly Cashflow. Compare values side-by-side.
• Line Charts: Net Worth Trend, Investment Performance, Trend Analysis. Track changes over time.
• Doughnut Charts: Category Breakdown percentage splits. See proportional distribution.
• Sankey Diagrams: Income Flow and Sankey 2.0. Visualize money flowing from sources to uses.

Why Charts Matter: Numbers in tables are precise but patterns are invisible. A line trending up, bars getting taller each month, or one slice dominating a pie chart tell you stories instantly. Use charts for pattern recognition and quick insights, then drill into tables for exact numbers.

📅 Date Range: Controlling the Time Period

Quick Presets Available:

• Current Month: Default. Shows just this month's data. Good for budget reviews and month-end analysis.
• Last 3 Months: Last 3 full months. Good for identifying recent trends without too much noise.
• Last 6 Months: Recommended minimum for Trend Analysis reports. Captures seasonal variation.
• Year to Date: January 1st through today. Useful for comparing against annual goals and planning.
• Last Year: Full previous calendar year. For year-over-year comparisons and tax reporting.
• All Time: Everything since you started using SavePoint. Use with caution; can be overwhelming with years of data.
• Custom Range: Pick specific Start Date and End Date. Use this when you need a specific period (e.g., "Show me Q2 2024").

When to Use Custom Range: You're analyzing a specific event period (vacation month, job transition quarter), comparing non-standard periods (first half vs second half of year), or preparing reports for specific timeframes (mortgage application needs last 6 months, ending 2 weeks ago).

Impact on Reports: Shorter periods show detail but miss patterns. Longer periods show trends but hide monthly detail. Match your date range to your question. "Is my budget working this month?" needs Current Month. "Am I improving over time?" needs 6-12 months.

🏦 Account Filtering: Isolating Specific Accounts

By default, reports include all accounts. Use account filtering to focus on a subset:

Common Use Cases:

• Personal vs Business: Select only your business checking and credit card to see business finances isolated from personal. Essential for tax prep and business analysis.
• Investment Analysis: Select only investment/retirement accounts when running Investment Performance or Net Worth Trend reports to see how investments specifically are performing.
• Debt Payoff Tracking: Select only your debt accounts (credit cards, loans) for Debt Analysis to focus on payoff progress without other accounts cluttering the view.
• Shared Account Analysis: If you have a joint checking account with a spouse, select it along with your personal accounts to see combined finances, or exclude it to see just yours.
• Closed Account Exclusion: If you closed accounts but kept the data, exclude them from current reports to see only active account activity.

How Multi-Select Works: Click the dropdown, then click multiple accounts to select them (they get check marks). Leave everything unselected to include all accounts. Click "Generate Report" after changing selections to refresh the report with your filter applied.

📂 Category Filtering: Focusing on Specific Spending Areas

Category filtering lets you include only specific income or expense categories in the report. By default, all categories are included.

Practical Examples:

• Discretionary Spending Analysis: Select only discretionary categories (Dining Out, Entertainment, Shopping, Hobbies) to see where your "fun money" goes. Helps identify cut opportunities when tightening budget.
• Fixed Expense Review: Select only fixed categories (Rent/Mortgage, Insurance, Utilities, Subscriptions) to analyze your baseline monthly burn rate.
• Tax Deduction Tracking: Select only tax-deductible categories (Home Office, Business Expenses, Charitable Donations, Medical) to prepare tax documentation.
• Specific Category Deep Dive: Select just "Groceries" and "Dining Out" to compare food spending. Or just "Transportation" and "Gas" to analyze vehicle costs.

Why This Matters: When you have 30+ categories, seeing them all in one report is overwhelming. Category filtering turns a generic spending report into a targeted answer to a specific question. "Where can I cut spending?" becomes "What are my discretionary expenses specifically?" Much more actionable.

👤 Filter by Member: Scoping Reports to One Person

Only visible when Household Mode is Simple or Advanced. The dropdown defaults to "All Members" and lets you pick a single household member to scope every report to.

Common Use Cases:

• Just my spending: Pick yourself to see Income vs Expenses, Category Breakdown, or Cash Flow for your transactions only, ignoring your partner's. Useful for personal budgeting conversations inside a shared household.
• Just my partner: Pick them to understand their cash flow without revealing yours, for example before a money conversation.
• Whose subscription pile is bigger?: Run Category Breakdown twice (once per member) and compare. Often surprising.
• Per-person tax prep: Pick yourself and run Tax Summary to see your deductions specifically rather than the household's combined view.

How Shared Transactions Are Handled: When you filter to one member, shared transactions (those marked Joint / Shared) split by your contribution rule and only that member's portion is counted. A $200 grocery bill marked Shared shows as $100 for each of two equal-split members. This matches what the Budget page does, so reports and budget actuals stay consistent with each other.

🏷️ Filter by Tag: Pulling Out Cross-Cutting Themes

Only visible once you have at least one tag (see Tags & Tagging System to set them up). The dropdown shows only tags that actually appear in your current date range, so you are not picking from a giant list of tags that have no data for the period.

How Multi-Select Works: Open the dropdown, check one or more tags, close it. Active tag filters appear as pills below the dropdown so you can see at a glance what is filtered. Click a pill's × to remove that tag; click "Clear All" to remove every tag filter at once.

Common Use Cases:

• Total cost of a vacation: Filter to the "Vacation / Travel" tag and run Cash Flow. Total cost of that trip across categories (flights, lodging, food, gifts) instead of hunting through each category separately.
• Business expenses only: Filter to "Business Expense" and "Client Billable" and run Category Breakdown. Your business spend for the period, isolated from personal noise.
• Tax-deductible items in a quarter: Filter to all Tax-group tags, set Date Range to last quarter, run Income vs Expenses. A focused view of what is potentially deductible without other noise.
• Subscription audit: Filter to "Subscription" and run Category Breakdown. Forces every subscription into one view so you can spot ones you forgot.

How Multiple Tags Combine: Selecting multiple tags is OR, not AND. "Business Expense OR Reimbursable" returns transactions tagged with either. SavePoint does not currently support AND filtering across tags (transactions that must have both at once); if you need that, narrow with a Category filter or use the Cashflow Drilldown for one-off questions.

🔄 Combining Filters for Precise Analysis

The real power comes from using multiple filters together:

• Example 1: Date Range = Last 6 Months, Account = Business Checking Only, Category = Business Expense Categories Only. Result: Clean business expense report for your accountant, with no personal spending mixed in.
• Example 2: Date Range = Current Month, Account = All Personal (exclude business), Category = Discretionary Categories. Result: See how much fun money you've spent so far this month across all personal accounts.
• Example 3: Date Range = Year to Date, Account = All Debt Accounts, Category = None (not applicable). Result: Focus Debt Analysis report on just your loans and credit cards for the current year.

Filter Persistence: Your filter selections stay active as you generate the report and even if you switch report types. If you want a clean slate, click "Reset Filters" button (above the Generate Report button) to clear everything back to defaults.

Note About Exports: When you export a filtered report to PDF, Excel, or CSV, the export includes the report title, generation date, and date range. However, it does NOT include which specific accounts or categories were selected in the filters. If you're sharing an exported report and the filters matter, add a note manually explaining what was filtered (e.g., "This report shows only Business accounts").

📄 PDF Export: For Sharing and Presentations

What You Get: A formatted document that looks like a printed report. Includes the chart (as an image), the data table, summary cards showing totals, and a header showing the report name, date generated. Everything is styled and ready to view or print.

When to Use PDF:

• Sharing with others: Financial advisor, accountant, spouse, loan officer. PDFs look professional and can't be accidentally edited.
• Record keeping: Save year-end reports for your records. PDFs are self-contained and will look the same in 10 years.
• Presentations: Meeting with your partner to discuss finances. The visual chart makes it easier to discuss than raw numbers.
• Printing: If you need a physical copy, PDF exports are formatted for standard paper sizes.

What's Included: The chart (converted to image), all summary cards, the full data table, report metadata (date range, generation timestamp).

Limitation: Charts are static images in PDFs. You can't hover for tooltips or interact with them. If you need interactivity, share a screenshot or stay in SavePoint.

📊 Excel Export (.xlsx): For Further Analysis

What You Get: An Excel spreadsheet file (.xlsx) with the report data in a table. The first few rows contain metadata (report name, date generated), followed by the actual data table with column headers.

When to Use Excel:

• Additional calculations: You want to add your own formulas, subtotals, or calculations on top of SavePoint's data.
• Pivot tables: Create your own pivot table analysis from the exported data.
• Combining data: Export multiple SavePoint reports and combine them into one Excel workbook with different sheets.
• Tax preparation: Your tax software or accountant wants data in Excel format for import or manipulation.
• Custom formatting: You want to change how the report looks, add highlights, or create your own charts in Excel.

What's Included: Report metadata rows (title, date, filters), column headers, all data rows from the table. Numbers are formatted as numbers (not text) so Excel formulas work. Currency symbols are preserved. Column widths are auto-sized for readability.

Charts Not Included: Excel exports contain only the data table, not the chart. If you need the chart in Excel, take a screenshot of it from SavePoint and paste it into your Excel file manually, or recreate a chart in Excel from the exported data.

📝 CSV Export: For Maximum Compatibility

What You Get: A plain-text CSV file (comma-separated values) with the report data. First few lines are comments showing metadata, then column headers, then data rows. Opens in Excel, Google Sheets, Numbers, or any other spreadsheet program.

When to Use CSV:

• Maximum compatibility: CSVs are flexible and open in a variety of software. If Excel export has issues or you're on an unusual platform, CSV may work.
• Importing to other software: Many accounting programs, budgeting tools, or database systems can import CSV files but not Excel.
• Programming/scripting: If you're analyzing data in Python, R, or another programming language, CSV is easier to parse.
• Google Sheets: While Google Sheets can open Excel files, some users find CSV imports cleaner and faster.
• Archival: CSV is a plain text format that may be readable decades from now and useful for archival.

What's Included: Metadata as comment lines (starting with # or in quotes), column headers, all data rows. Each value is separated by commas. Currency symbols and formatting are preserved as text.

Trade-offs: CSV files don't preserve formatting (colors, bold, borders). Numbers are text until the importing program interprets them. No multiple sheets.

💡 Choosing the Right Export Format

Quick Decision Guide:

• Sharing with someone who just needs to view it? → PDF
• You want to add formulas or do more analysis? → Excel
• Importing into other software or having compatibility issues? → CSV
• Record keeping for the long term? → PDF (or both PDF and CSV)
• Need the chart visual? → PDF (Excel and CSV don't include charts)
• Tax accountant wants data? → Ask them; some may want Excel or CSV

Filename Convention: Exported files are automatically named with the format: `ReportType_YYYY-MM-DD.extension`. For example, "Income-vs-Expenses_2025-01-15.pdf". This makes it easy to organize exports and know what they contain without opening them.

Exporting Multiple Reports: There's no "export all reports" button. If you need multiple reports, generate each one, export it, then switch to the next report type and export that. This is intentional; each report serves a different purpose and may utilize different filters.