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Spending Analysis — Pivot Tables & YoY Comparison

Overview

Section titled “Overview”

The Analysis page provides advanced spending analysis with interactive pivot tables, heatmaps, and year-over-year comparisons. It has two tabs: Trends (all tiers) and Monthly YoY (Pro).

Analysis page showing the Trends tab with a pivot table of spending by category and month
Section titled “Trends Tab”

Summary Cards

Section titled “Summary Cards”

Four cards across the top:

  • Total — aggregate spending/income across all visible periods
  • Average — per-period average
  • Highest — peak period with label
  • Categories — count of active categories

Amount Mode

Section titled “Amount Mode”

Choose what to analyze with the mode pills:

  • Expenses — spending only
  • Income — income only
  • Cash Flow — net of income minus expenses

Granularity

Section titled “Granularity”

Choose the time granularity:

  • Year — annual totals
  • Quarter — quarterly totals
  • Month — monthly totals

Detail Level

Section titled “Detail Level”

Toggle which hierarchy levels appear in the table:

  • Category — top-level categories
  • Subcategory — subcategory rows within each category
  • Merchant — individual merchant rows

Pivot Table

Section titled “Pivot Table”

The main table shows amounts organized as a grid:

  • Rows — categories, subcategories, and/or merchants (collapsible hierarchy)
  • Columns — time periods (years, quarters, or months)
  • Cells — spending amounts

Click any cell to drill down to the matching transactions.

Heatmap

Section titled “Heatmap”

Toggle the Heatmap option in the View settings to color-code cells by relative spending intensity. Higher amounts show warmer colors, making patterns easy to spot.

Percentage Change

Section titled “Percentage Change”

Toggle % Change to show period-over-period change percentages alongside absolute amounts.

Filters

Section titled “Filters”

Use the Filters drawer to narrow the analysis by account, category, subcategory, or merchant.

Export

Section titled “Export”

Click Export in the toolbar to download the current pivot table as CSV or Excel (.xlsx). Check “Current view” to apply active filters, or uncheck it to export all data.

Period Range

Section titled “Period Range”

Free tier: up to 12 months, 4 quarters, or 1 year. Pro tier: up to 24 months, 20 quarters, or 10 years. Adjust with the slider in View settings.

Monthly YoY Tab (Pro)

Section titled “Monthly YoY Tab (Pro)”

The Year-over-Year tab compares the same month across multiple years — for example, comparing February spending in 2024, 2025, and 2026.

Analysis Monthly YoY tab comparing the same month across multiple years in a pivot table layout

Controls

Section titled “Controls”
  • Month selector — choose which month to compare (January through December)
  • Years slider — how many years to include (2–20)
  • Amount mode — Expenses, Income, or Cash Flow
  • Detail pills — Category, Subcategory, Merchant

The pivot table shows the selected month’s data for each year as columns, with the same hierarchical row structure as the Trends tab. Heatmap and percentage change options are also available.

P&L Tab (Pro)

Section titled “P&L Tab (Pro)”

The P&L (Profit & Loss) tab — labeled “P&L” in the tab bar — displays a Statement of Activity that separates income and expenses into distinct sections with a net income bottom line. This is a traditional accounting-style view.

Layout

Section titled “Layout”

The table is split into three sections:

  • Income — all categories containing subcategories with income flow type
  • Expenses — all categories containing subcategories with expense flow type
  • Net Income — bottom line computed as Income + Expenses (expenses are negative)

Each section is collapsible. Categories with mixed flow types (e.g., Uncategorized) appear in multiple sections with only the matching subcategories included.

Summary Cards

Section titled “Summary Cards”

Four KPI cards across the top:

  • Total Income — aggregate income across all visible periods
  • Total Expenses — aggregate expenses across all visible periods
  • Net Income — income minus expenses (color-coded green/red)
  • Categories — count of active categories in the period

Controls

Section titled “Controls”
  • Granularity — Year, Quarter, or Month
  • Detail level — Category, Subcategory, Merchant (same hierarchy as Trends)
  • Periods slider — adjust how many periods to display
  • Heatmap and % Change — same visualization options as Trends
  • Filters — narrow by account, category, subcategory, or merchant
  • Export — download the statement as CSV or Excel

Free vs Pro

Section titled “Free vs Pro”

The P&L tab requires a Pro license. Free tier users see an upgrade prompt. Period limits match the Trends tab: Free is capped at the 12-month lookback; Pro gets full history.

Section titled “Related Guides”
  • Dashboard — quick overview of current-period spending
  • Budgets — track spending against targets
  • Transactions — drill down to individual transactions
  • Licensing — Monthly YoY and extended periods require Pro