See where your income goes

The Where income goes report splits the income of a period into five shares: given, saved, paid to debt, spent and left over. You can set a target for each share.

Steps

1. Select Reports in the sidebar (on a phone, the Reports tab), then the Where income goes card. The report opens on Last 12 months.
2. Select Last 12 months, This year or Last year. This report has no other period, compare or accounts controls.
3. Read the headline, such as "You spent 87% of what came in (13% left over)", and the bar under it. A sentence under the bar says what the whole bar is, such as "The bar is all of the last 12 months' income." The tiles under the bar name its parts, so the bar has no legend.
4. Select a tile (Given, Saved, Debt payments or Spent) to list the categories behind it. The list opens under the tile, or under the row of tiles on a wide screen. It starts with a sentence such as "Spent is 62.4% of income." Each row shows its share and amount and opens the ledger for that category and period. A hidden category that has spending in the period is listed with a small hidden label after its name. Select the tile again to close the list.
5. Select Left over to open Income and cash flow for the same period.

The five shares

Each share is a percent of the period's income, to one decimal. The five add up to 100.0%, except when you spent more than came in (see below). A Saved share below zero counts as a negative percent.

A month with $0.00 or less income is left out of every share. If no month had income, the page reads "Not enough income this period to compute." When fewer than 12 months had income, such as This year before December, the page says "Based on N months". Each tile also shows a small line of its share for each month.

When you spent more than came in

The headline reads, for example, "You spent 108% of what came in". The bar is scaled to total outflow, so the sentence about income does not appear. A legend under the bar names the two marks the tiles do not: Income ends is the upright mark where income ends, and Short is the hatched part beyond it. The amount appears in red under the hatched part, such as "Short $5,520.00". The last tile reads Short instead of Left over and shows in red how far past income you went, such as 8.0%.

When Saved is below zero

Saved is below zero when more money came out of your savings categories than went into them. The Saved tile then shows the net amount, such as -$600.00, in place of a percent, and its part of the bar has no width. Left over is worked out with the negative share included, so the four percents shown add up to more than 100.0%. A sentence under the bar reads "Saved is below zero because more money came out of your savings categories than went into them." To see how savings accounts count, read On-budget and off-budget accounts. When you select the tile, its sentence reads "Saved is -10.0% of income." In the CSV export, the Saved row has the net amount in Amount and the share, such as -10.0%, in Share %.

Set targets

1. Select Targets at the bottom of the page, or set one on a tile that has no target.
2. For each share, select at least or at most and enter a whole percent from 0 to 100. Leave a field blank to clear its target.
3. Select Save targets.

Each tile then shows its target and result, such as "at least 10% · On target", "at most 60% · 27% over" or "at least 20% · 2% short". Results compare whole percents.

Given, Saved and Left over start as at least. Debt payments and Spent start as at most. Targets belong to the budget file and apply to every period.