The Analytics tab for the Household book, with the Insights card at the top and the Expenses by category pie chart beneath it

Analytics picks out the big changes in your money habits, and shows where the active book's money went over its last six periods in charts and tables. It answers whether you end each period up or down, and what takes the biggest share of your expenses.

Where to find it: the Analytics tab (Analytics tab icon, fourth in the bottom bar).

Insights

The Insights card at the top tells you how your money habits have changed compared with the last few periods.

It compares the period with up to five periods before it.
It needs at least three earlier periods to compare with, and only counts a period you were logging from its first day. So a new book shows the card after three full periods at the earliest.
When nothing has changed much, there's no card.

This period

Expenses by category and Income by category are pie charts of this period. Each slice is a category's share of the period's settled total, largest first, and the chart reads No data while the period has nothing settled. The icon beside a card's title shows the view you're in. Tap the Percentage icon to swap the legend for a table of percentages and amounts with a Total row, and the List icon to swap it back. Tap the dates, or the Expand icon beside them, to pick another period: a month in a monthly book, a week or fortnight otherwise.

Top expense categories lists the three categories you spent most on in each of the last six periods. Top income categories does the same for income but requires Pro.

The last six periods

The Expenses vs Income card with a pair of bars for each of the last six months

Every card below runs over the same six periods, oldest on the left, with the current period counted up to today. A period before your first transaction shows zero. A monthly book labels each period by its month, a weekly or fortnightly book by the date it starts.

Expenses vs Income pairs a bar for settled expenses with a bar for settled income in each period. Tap and hold a pair for its figures. Tap the Bar chart icon for a table, where expenses read as negative figures, and the List icon to go back.
Budget vs Actual plots your overall budget for each period against what you spent. It shows once one of the six periods has an overall budget. Tap and hold a point for its figures. Goal vs Actual does the same for your overall goal against income, once a period has a goal, but requires Pro.
Cash flow is a line of what each period ended up or down by, settled income minus settled expenses, dipping below zero where you overspent. Pro is required. Tap the Line chart icon for a table and the List icon to go back.

The app remembers the chart or table choice on each card.

With Pro Sync: a Needs vs Wants card, after Expenses vs Income, pairs what you sorted as a need with what you sorted as a want in each period. Sorting happens in the review queue: see Reviewing transactions.

Averages and totals

The No spend days card with a count for each of the last six months, and the Daily average expenses vs Income card beneath it

Pro is required for these cards.

No spend days counts the days in each period with no settled expense, the current period up to yesterday. A savings tracker's Fees charged entry doesn't spoil a day.
Daily average expenses vs Income divides each period's settled expenses and income by its days. Weekly average expenses vs Income does the same by weeks.
Savings rate is your settled savings as a share of your settled income in each period, dipping below zero where you took more out of savings than you put in: see Savings. A period with no income has no rate and leaves a gap in the line. The card shows once the book has a savings tracker and one of the six periods has income. Tap and hold a point for its rate. Tap the Line chart icon for a table and the List icon to go back.
Monthly average, in a monthly book only, is the average settled expenses and income per calendar month.
Year-to-date totals is settled income minus settled expenses since 1 January. Once the book has a savings tracker, tap the Savings icon to subtract your savings from the total and add a Savings figure. Tap the Calendar icon to break the figures down by category, and the Categories icon to go back. Tap the Savings icon again, in either view, to stop subtracting your savings.
Total balance is the book's total today, every account and any tracker set to count in it, with all your settled income and expenses beneath.

Choose which cards show

Tap the Toggles icon in the top bar to open Choose what to show. It has a toggle for each card on the tab. Turn a toggle off to hide its card, or tap Show all to bring every card back. Pro is required. The cards you hide are saved on your phone, not with your login, and stay hidden in every book.

Good to know

Every figure here counts settled money only, so a category with only pending transactions this period stays out of the pie chart until one settles. See Pending and settled.
Expenses and income are the transactions on your everyday accounts and savings trackers. A loan repayment counts as an expense under Loans repaid, and money borrowed as income under Borrowed funds. A loan's interest and fees stay out of the charts and averages, as does a transfer between accounts, since neither is an expense. A transfer into or out of savings isn't an expense or income either: it counts only in Savings rate and the savings on Year-to-date totals.
Budget vs Actual sets every settled expense against your overall budget, including expenses in a category with Include in overall budget unticked, so a period the home screen called under budget can read over here.
Hide income, under Settings → Privacy, hides Income by category, Top income categories, Goal vs Actual, Cash flow and Savings rate. Every other income figure reads Hidden, and so do the totals on Year-to-date totals and Total balance.
On the Analytics tab, pull down to sync your data.