Step 1
One goal: find your way around Reports
- Open Reports
- Review your saved finances
- This overview changes no records
Open Reports to review your saved finances.
Reports is free; no reward, Premium or sign-in is needed.
This overview changes no records.
Step 2
Three views of your saved records
- Summary: totals and category activity
- Budget: limits and goals
- Trends: patterns over time
Summary shows totals and category activity.
Budget compares recorded progress with limits and goals.
Trends helps you explore patterns over time.
Step 3
Check the period first
- Read the selected period
- Monthly uses a calendar month
- September 2026 is completed sample data
Check the selected period first.
Monthly uses a calendar month.
Our September twenty twenty-six example is completed sample data, not today's bank balance.
Step 4
Other periods are available
- Find the Time frame strip
- Swipe to Annually and Custom
- Date-picking steps come later
The Time frame strip also offers Weekly, Annually and Custom.
Swipe sideways for more options.
Later tutorials cover choosing dates; this one only introduces the page.
Step 5
A filter does not change every total
- Both includes both spending labels
- Essential filters relevant detail
- Summary totals still include all spending
Spending type offers Both, Essential and Non-Essential.
The filter affects relevant detail and trends.
Summary Income, Expenses and Net still include all spending in the period.
Step 6
Read Income, Expenses and Net
- Income: INR 85,000
- Expenses: INR 32,800
- Net: INR 52,200, not a bank balance
Our sample Income is eighty-five thousand rupees.
Expenses are thirty-two thousand eight hundred.
Net is fifty-two thousand two hundred: income minus expenses, not a live bank balance.
Step 7
Use At a glance for context
- Find Savings rate
- Read Average daily spend
- Projection is calculated, not a payment
At a glance shows Savings rate and Average daily spend.
Projected expense is a calculation, not another payment.
The sample savings rate is about sixty-one point four percent; it is not a savings deposit.
Step 8
See where your money went
- Find the expense category rows
- Compare their recorded amounts
- Saved records supply these totals
Where your money went lists expense categories and their recorded amounts.
Saved records supply these totals.
Summary uses category rows, not a pie chart.
Step 9
Budget is a monthly progress view
- Select Budget
- Compare spending with category limits
- Goals are plans, not saved payments
Select Budget to compare recorded progress with category limits.
Budget always uses the current month; the sample clock is fixed in September.
Limits and goals are plans, not saved payments.
Step 10
Goals stay separate from spending limits
- Find Savings goals
- Read saved progress against a target
- Debt goals have their own section
Savings goals compares saved progress with a target.
Debt goals has a separate section.
A goal does not create a deposit, repayment or bank transaction.
Step 11
Trends adds a visual breakdown
- Select Trends
- Find the Expense breakdown pie
- Use the matching category colours
Trends adds an Expense breakdown pie.
Its coloured slices show the selected expense detail.
The matching legend names each category; this chart belongs to Trends, not Summary.
Step 12
Read the legend before exploring more
- Match colours, names and amounts
- Use the labels to read the pie
- Later: daily and monthly chart controls
Match the legend's colours, names and amounts.
Use these labels to read the pie.
Later lessons explain daily and monthly charts, filters and gestures.
Step 13
Excel has a separate Settings route
- Open Settings, then Reports
- Find the on-device Excel page
- This overview does not export a workbook
For a local Excel workbook, open Settings, then Reports.
This separate on-device export needs no sign-in.
We are only introducing the route; no workbook is exported here, and new monthly AI report generation is retired.
Step 14
You now know where to look
- Need Help opens the guide
- Summary, Budget or Trends: choose your view
- Next: choose a reporting month
Need Help opens Pennie's guide.
You now know where to look in Summary, Budget and Trends.
Next, learn to choose a reporting month.