The Summary page
Summary (titled Financial Overview) is your year at a glance: income, spending and savings for each year, how fast you are spending compared with last year, a monthly savings-rate strip, trend charts and a lifestyle-creep check.
On a phone, open More and tap Summary, or add it to your tab bar.
The header
Next to the title, a small ring shows how much of the year has passed. On the right are two figures for the current year: Net Savings (income − spending) and Savings Rate ((income − spending) ÷ income). Both include an estimate for the month in progress and are tagged proj. while it is.
The six cards
| Card | What it shows |
|---|---|
| Total Income | This year's deposits in Income-group categories, plus custom income you added on the Income page. The % compares with last year at the same point in the year. |
| Total Spending | This year's total in every category outside the Income and Savings groups. Refunds in a category reduce that category's total. |
| Budget Status | Under Budget or Over Budget by the gap between spending so far and your budgets so far (the current month's budget counts in full). With no budget it reads No budget set. |
| Year-End Income Est. | Income received this year plus the recurring income still scheduled through December 31. The % compares it with last year. |
| Spending Velocity | Your spending so far against last year's pace, shown in dollars and as a % slower or faster. |
| Income Velocity | The same comparison for income, worded ahead or behind. |
Velocity % = (this year so far − last year's pace) ÷ last year's pace
- Last year's pace = last year's full total × (day of the year ÷ 365).
- Example: about halfway through the year, if you spent $40,000 last year, the pace is $40,000 × 0.5 = $20,000. Having spent $18,000 so far, the card shows −$2,000 and 10% slower vs last year.
Monthly Savings Rate strip
One bar per month with the average rate beside it. It follows your choice in Settings > Savings Rate. A month with no income shows N/A, and the current month uses its estimate.
The year table
Each column is a year. Click a year to open it into months, and Collapse to close it again. The rows are:
- Income
- Income-group deposits plus custom income you added on the Income page. The current year also shows an Est: figure for the full year. Married households can split it per person.
- Spending (excl. savings)
- Every category outside Income and Savings, refunds netted. Expand it to see a donut by group, and turn on Heatmap to shade the cells from lowest to highest.
- Total Savings
- Income − spending, with your savings rate as a badge. Its rows are your Savings-group categories plus "Unallocated", the part you kept without moving it anywhere.
- Budget and Budget Variance
- Your budget for the period and how far off it you were. A minus sign means under budget.
Charts and ranges
Below the table: Spending Trends and Income Trends (one line per year, with a Line or Bar switch), then Income vs Spending and Cumulative Cash Flow. The range pills are All, Month, Last M, 30d, 60d, 90d and YTD (the default), plus a year menu.
- YTD, a year and All use monthly totals by category, so refunds are netted.
- The short ranges (Month to 90d) plot daily points from money out, without credit card payments and without subtracting refunds. The same month can therefore show a slightly different total on a short range than on YTD.
How the current month is estimated
Projected spending = spent so far + bills still due + (everyday spending so far ÷ day of the month) × days left
- Projected income = income received + recurring income still due.
- This uses this month's own pace. Cash Flow uses a 90-day average instead, so the two estimates can differ.
Lifestyle creep
At the bottom, Lifestyle creep answers one question: when your income went up, how much of the raise did you spend? The headline reads like "$0.62 of every extra $1 earned".
Creep = (spending in the latest 12 months − spending in your first 12 months) ÷ (the same change in income)
- It needs 24 complete months of history (your first, partial month and the current month do not count). Until then it tells you how many complete months you have. The baseline is your earliest 12 complete months, shown as "Baseline" with its dates.
- It leaves out pending transactions, credit card payments, transfers, internal transfers, loan repayments, uncategorized and cash or ATM withdrawals, and money in categorized as Incoming Transfer & Deposits. Refunds are left out rather than subtracted.
- It always uses the bank-only basis (no 401(k) contributions).
Ignored transactions, transfers, refunds and pending
- Ignored transactions are left out everywhere on this page.
- Money in only counts as income when its category is in the Income group. "Incoming Transfer & Deposits" is in the Income group by default, so transfers in that category count as income.
- Refunds reduce the category they belong to (except in Lifestyle creep, the short ranges and the spending Est:, which only count money out).
- Pending transactions count, except in Lifestyle creep.
Common questions
Why does Total Spending differ from Cash Flow?
Summary nets refunds inside each category and leaves out money out that has no category; Cash Flow counts refunds as income and includes uncategorized spending. See Why totals differ between pages.
Why does Lifestyle creep say it needs two years?
It compares your latest 12 months with your first 12 months, so it needs 24 complete months of transactions.
Why does FIRE ask me to visit Summary?
The FIRE page pre-fills last year's spending and income from Summary. Open Summary once, then go back to FIRE.
What does "Unallocated" mean under Total Savings?
It is the part of your income you did not spend and did not move into a Savings-group category: money that simply stayed in your accounts.
Still stuck?
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