Step 1
Wait for a completed report
- Wait for a completed report
- Check saved records, dates and filters
- Keep unknown history distinct
This isolated sample deliberately delays read-only saved-data transport.
The real loading overlay is not an empty report.
Wait for completion before interpreting totals.
Step 2
Start with saved records and dates
- Start with saved records and dates
- Check saved records, dates and filters
- Keep unknown history distinct
Reports reads saved records on this device.
Check the selected period and spending labels first.
Pending notification suggestions are not saved transactions.
This sample uses one currency; do not assume exchange-rate conversion for mixed currencies.
Step 3
Understand an empty month
- Understand an empty month
- Check saved records, dates and filters
- Keep unknown history distinct
This selected month has no saved ordinary income or expense.
That is different from unavailable balance history.
Reports itself needs no sign-in, reward or cloud AI report.
Step 4
Recognize partial current-month data
- Recognize partial current-month data
- Check saved records, dates and filters
- Keep unknown history distinct
Current-month totals reflect records saved so far.
The host calendar date controls the current-month average and projection.
A projection is an estimate, not a future saved payment.
Step 5
Do not replace unknown history with zero
- Do not replace unknown history with zero
- Check saved records, dates and filters
- Keep unknown history distinct
No data means a balance month is not known from retained evidence.
It is not a recorded zero balance.
Confirmed card statements and later saved movements have their own precedence.
Step 6
Remember Budget's current month
- Remember Budget's current month
- Check saved records, dates and filters
- Keep unknown history distinct
Budget resets to the current month of the sample clock.
Summary totals stay all-spending while relevant detail can be filtered.
Check these rules before comparing screenshots.
Step 7
Use Need Help
- Use Need Help
- Check saved records, dates and filters
- Keep unknown history distinct
Need Help uses Pennie's tutorial action.
This capture verifies its wiring, not live browser delivery.
Local Excel remains separate from retired monthly AI reports.