> ## Documentation Index
> Fetch the complete documentation index at: https://help.finerd.ai/llms.txt
> Use this file to discover all available pages before exploring further.
# Analyze income, expenses and cash flow
> See where your money goes in finerd: expenses and income by category or merchant, cash flow, family spending and the transactions behind each number.
finerd's reports show where your money goes and where it comes from. **Expenses** and **Income** break your transactions down by category or merchant, period by period; **Cash Flow** shows the money that came into and left your accounts; **Family spending** separates personal and shared expenses. Every number opens the transactions behind it.
Expenses, Income and Cash Flow are free in your personal space and work on the web, Android and iOS. **Family spending** is a web report, and the family views need a partner connected through Family, which is part of Pro. All amounts are in your space's [primary currency](/getting-started/initial-setup#primary-currency).
Choose a report
Open **Reports**: in the sidebar on the web, or in the tab bar of the app (on Android it can also be under **More**). Pick the report that answers your question:
| Your question | Report |
| - | - |
| Where did my money go? | **Expenses**, by category or merchant |
| How much did I earn, and from where? | **Income** |
| Did more money come into my accounts than went out? | **Cash Flow** (Android: **Cashflow**) |
| What did we spend as a family, and who paid? | **Family spending** (web); on Android and iOS, the family groupings of **Expenses** |
| Am I within my monthly plan? | **Budget** (iOS: **Budgets**), see [Create and track a budget](/budget/create-budget) |
| What happened in one account? | **Turnovers** (web and iOS; on Android from the account's **⋮** menu) |
| What do I own and owe? | [**Net Worth**](/reports/net-worth) (Android: **Networth**) |
The web list has a few more reports, such as **Forex & Capital Gains** and **Net Worth Change**. This article covers the first four rows.
Tap **Reports** in the tab bar. The list has **Expenses**, **Income**, **Networth**, **Cashflow** and **Budget**, followed by the reports you've saved.
Expenses and income by category or merchant
**Expenses** shows how much you spent in each period and on what; **Income** does the same for money you earned. At the top is the total for the whole period and how it changed against the previous period of the same length: a rise in expenses is shown in red, a fall in green.
The report counts every expense and income in your space, including bank transactions that are still pending:
* **Categories** are grouped under their parent: Electronics and Clothing count in Shopping. Open a parent to see its subcategories.
* A **refund** lowers spending in its category instead of counting as income, see [How a refund is counted](/transactions/record-refund#check). A month that has only refunds in a category shows a negative amount.
* Each part of a **split** counts in its own category, see [How a split is counted](/transactions/split-transaction#check).
* **Transfers** between your accounts, debts, and balance corrections aren't expenses or income, so they don't appear, see [Move money between your accounts](/transactions/transfer-or-exchange#transfer).
* Amounts in other currencies are converted to your primary currency at the rate of the transaction's date.
* Transactions without a category appear as **Uncategorized Expense** or **Uncategorized Income**.
To see the same money by shop or payer, change **By category** to **By merchant**. The **Category**, **Merchant** and **Tag** filters have two tabs: **Include** keeps only what you choose, **Exclude** leaves it out.
1. In **Reports**, select **Expenses** or **Income**. The first menu at the top switches between **Expenses** and **Income** without leaving the page.
2. Choose **By category** or **By merchant**, and set **Category**, **Merchant** or **Tag** to filter. **Clear filters** returns to the full report.
3. Read the chart and the table below it. In the table, select the arrow next to a parent category to show its subcategories.
1. Open **Reports** and tap **Expenses** or **Income**.
2. Tap **By category** to choose **By merchant**, and use **Categories**, **Merchants** or **Tags** to filter.
3. The list under the chart shows each category with its share of the total and its change. Tap a parent category to see its subcategories.
1. Open **Reports** and tap **Expenses** or **Income**.
2. Tap **By category** to choose **By merchant**, then **Apply**. Swipe the row of filters to reach **Category**, **Merchant** and **Tag**.
3. The list under the chart shows each category with its share of the total and its change against the previous period. Tap a parent category to see its subcategories.
Period, detail and date
The period at the top sets the dates and the step of the report: **Month**, **Quarter**, **Year**, or **Custom** for any dates split by days or weeks. The web and iOS open on the past year month by month; Android opens on the last 6 months. Expenses and Income count each transaction in its **Accrual month** by default; switch to **Transaction date** to match your bank statement.
On the web, the buttons above the chart change how it looks: columns, a ranking of bars, a ring, lines, or no chart. **Top 5** and **Top 10** show the biggest categories and group the rest; **All** shows only the totals. On Android and iOS, the chart button next to the total switches between **Bar chart**, **Pie chart** and **Line chart**.
For the steps, the difference between the two date settings, filters and saving a set-up as your own report, see [Customize a report](/reports/customize-report).
See the transactions behind a number
Any amount in a report can be opened down to the transactions that make it up. finerd keeps the report's period, filters and date setting. A split transaction is listed with its full amount, even though only its part counts in the number you opened.
* **An amount in the table** opens **Transactions** for that row and period: for a category, with its subcategories. A **Total** column opens the whole period.
* **A category name** narrows the report to that category: you see its subcategories, or its merchants if it has none.
* **A merchant name** opens its transactions for the whole period.
**Copy** puts the table on the clipboard, ready to paste into a spreadsheet. The gear next to it has **Show trend**, which adds the change against the previous column to each amount, and **Expand all by default**.
* **A column of the chart** shows that period in the list; tap an empty part of the chart to return to the whole period.
* **A category** opens the same report for that category: its subcategories, or its merchants if it has none.
* **A merchant** opens its transactions for the selected period.
* The chart opens with the latest period selected, and the list below shows that period. **Tap another column** to see it; tap the selected column again to see the whole period.
* **A category** opens the same report for that category: its subcategories, or its merchants if it has none.
* **A merchant** opens its transactions for the selected period.
Cash flow
**Cash Flow** follows the money in your bank, cash and Money on the way accounts: what came in, what went out and the **net change** over the period. It answers a different question from Expenses: not what you spent on, but whether your accounts grew.
Money in and out is grouped by where it came from or went to:
| Group | What it holds |
| - | - |
| **Income** / **Expenses** (Android and iOS: **Categories**) | Income and spending. Here a refund is money coming in, not lower spending, so these amounts can be higher than in the Expenses and Income reports |
| **Debts** | Money lent, borrowed and repaid |
| **Stock & Crypto** (iOS: **Investment Activities**; Android: **Investments**) | Buying and selling investments and property |
| **Internal Transfers** | Transfers to your accounts that aren't in the report, when you filter by account |
| **Other** | Mostly initial balances and balance corrections |
Transfers between your own accounts cancel out and don't appear. Cash Flow always uses the transaction date.
**Non-cash movements** are amounts that don't pass through a money account, such as loan interest added to the debt or income reinvested in an investment account. They're included unless you choose **Hide**.
1. In **Reports**, select **Cash Flow**.
2. Set the period, and use **Account** to keep only some accounts or **Non-cash movements** to hide those.
3. The diagram shows the money coming in on the left and where it went on the right, with **Net change in cash** at the top. Select a name in the diagram to find its row in the table.
4. In the table, **Cash Inflows** and **Cash Outflows** open into their groups, then accounts or categories. Select an amount to open its transactions.
The button above the diagram switches to columns per period, with money in above zero, money out below and a line for the net change.
1. Open **Reports** and tap **Cashflow**.
2. Set the period, and use **Accounts** or **Non-cash movements** to filter.
3. The chart shows money in above zero and money out below for each period, with a line for the net change. Tap a column to see that period.
4. Under **Cash Inflows** and **Cash Outflows**, tap a group to see its accounts, then an account to open its transactions.
1. Open **Reports** and tap **Cash Flow**.
2. Set the period, and use **Account** or **Non-cash movements** to filter.
3. The chart shows money in above zero and money out below for each period. Tap a column to see that period; tap it again for the whole period.
4. Under **Cash Inflows** and **Cash Outflows**, tap a group to see its accounts or categories, then one of them to open its transactions.
Family spending
When you and your partner are connected through [Family](/family-accounting#invite), each expense or income in your space is one of three kinds: **Personal**, **Family (Me)** (shared, you paid) or **Family (Partner)** (shared, your partner paid). A shared expense your partner paid counts in your Expenses too, but not in your Cash Flow, because the money didn't leave your accounts.
Open **Reports** → **Family spending**. The table shows each category in three columns, **Personal**, **Family (Me)** and **Family (Partner)**, and a **Total**. Switch between expenses and income, group **By category** or **By merchant**, and pick the dates. This report counts by transaction date.
The **Expenses** and **Income** reports also get a family filter, **Personal & Family** by default, and two groupings: **By purpose** (Personal or Family) and **By partner** (**Paid by me** or **Paid by partner**).
Without a partner, **Family spending** shows **Invite your partner**.
In **Expenses** or **Income**, tap **By category** and choose **By purpose** to compare **Personal** and **Family**, or **By partner** to compare **Paid by me** and **Paid by partner**. Tap a row to see its categories. These groupings appear once you have a partner.
In **Expenses** or **Income**, tap **By category** and choose **By purpose** to compare **Personal** and **Family**, or **By partner** to compare **Paid by me** and **Paid by partner**. Tap a row to see its categories. With a partner, the report also gets a filter, **Personal & Family** by default, to keep only personal or shared lines.
For how shared expenses and joint accounts work, see [Family accounting](/family-accounting).
This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.
