Dashboard

The Dashboard gives a complete overview of your finances: current month balance, 6-month trend and annual per-category statistics.

Not sure what a figure means? Tap the ⓘ next to the title of Spent so far, Projected month end or the year-over-year card: a short explanation opens on the spot — tap outside it or press Esc to close — with a link to the full entry in the Glossary. The first time a card appears, its ⓘ pulses once to point it out.

How the dashboard is laid out

The top stays the same on every visit: the month's net balance, its three totals and Spent so far — what decides how the rest of the month goes. Everything else sits in four sections you can fold:

Section	Holds	Starts
Forecast and goals	Projected month end, yearly budgets, savings goals	open
Coming up	Recurring payments still due	folded
Categories and trend	AI insight, category breakdown, cash flow, 6-month trend	open
Compared with last year	The same month a year earlier	folded

A folded section still answers its question in one line — month end, how many payments and how much, your biggest category, spending against last year. Tap it to open or fold it; this phone remembers your choice. In Hidden mode those lines are masked too.

Reminders — a backup that failed, the monthly export nudge, the occasional survey — show at the bottom one at a time, the most important first.

Net balance

The card at the top shows the net balance for the selected month:

• Positive (green) — income exceeds expenses
• Negative (red) — expenses exceed income

Below the balance is a three-column summary: Income / Expenses / Investments.

With two or more accounts, the card shows a Net worth › link: tap it to see what you own minus what you owe, month by month — see Net worth.

Cash-flow forecast

A Projected month end card estimates where your net balance will land if nothing changes for the rest of the month, combining what's already recorded, recurring payments still due before month end, and an estimate for ordinary spending over the remaining days — recurring expenses are counted once, not twice.

• Once you have 2 months of history, the spending estimate mixes your pace so far with a typical month (the median of your last 3). Early in the month the typical month counts most; as the month goes on, your own pace takes over. Without history, the card waits a few days before estimating, since a day or two of spending isn't enough to read a rate from.
• Income you enter by hand (for example a salary with no recurring template) is expected too: if a typical month brings in more than you've recorded so far, the difference shows as Other income expected — but only while the day it usually arrives is still ahead, so a late salary isn't promised on the last day of the month.
• With two or more accounts, the card also shows In your accounts at month end: what your accounts hold with everything you've recorded for this month (including movements dated later in the month), plus what is still expected — recurring savings included, since they leave your accounts too.

This card only shows for the current month.

Looking further ahead

Use the chips at the top of the card — This month · 3 m · 6 m · 1 y — to see where your balance lands further out. The card leads with one sentence ("At this pace you'll end March with ≈ …") and a range, because the further out a forecast goes, the less exact it is.

• Each future month adds your recurring income and expenses as they fall due, your planned one-offs, and an estimate of the income and spending you record outside them (a salary you enter by hand, groceries): the median of your last 3 complete months for each. The range shows what happens if the month goes like your worst or your best of those months.
• If the balance is projected to go below zero, the card tells you the first month it happens ("Tight in April").
• A small chart shows the path: solid for what's recorded, dashed for the projection. Tap a month in the list below it to see what's behind that month; planned items link to their edit screen.
• Longer forecasts need at least 2 months of history; until then the card explains why and keeps showing this month.
• The app remembers your choice on this device. Everything is computed on your device from your local data, so it works offline and with encryption on.

Tap Plan an expense on the card to add a future one-off — see Plan a future expense.

Savings goals

If you've set a savings goal on an account, a Savings goals card appears below the forecast: each goal's progress, the account's pace over the last 3 months and, for a goal with a date, how much a month you'd need to make it. It doesn't change with the month you're looking at — it is always today's picture. Tap Manage goals to set or change one.

Month navigation

Use the ‹ and › arrows on either side of the month to move to the previous or next month. Tap the month name to open the calendar picker and jump directly to any month.

AI spending insight

After the monthly summary, a Spending Insight card shows a one-line AI commentary on the current month — for example:

"Dining up 38% vs 3-month avg" · "On track to save €300 this month"

Amounts follow the currency you picked in Settings → Currency. The insight is generated from aggregated totals only — monthly totals, the 6-month trend, and the names and totals of your top 5 expense categories. No individual movement leaves your device and descriptions are never sent. With encryption enabled these aggregates are computed from your decrypted data on your device, so they do reach the AI provider (Fireworks AI, with zero data retention). The card appears automatically once the month has loaded and disappears silently if the AI is unavailable. It is also hidden while Hidden mode is on, since the sentence can quote amounts.

Year-over-year comparison

Further down the dashboard, a "Compared with [month] [year]" card shows how this month's expenses, income and savings stack up against the same month a year earlier — the one comparison that holds up against seasonal spending, where December against November says nothing useful.

This card only appears once you have movements recorded in that same month a year ago; until then there's nothing to compare against. Under Hidden mode the ▲/▼ change badges are hidden too, since they'd give away the direction of the amounts being masked.

Trend (last 6 months)

The bar chart shows income vs expenses for the last 6 months, letting you spot trends and anomalies at a glance.

Category breakdown

Below the chart is a percentage breakdown of expenses (or income/investments) per category for the current month.

A category with subcategories shows one row with the total of the parent and all its subcategories. Tap it to expand the subcategories in place: each with its amount, the parent's own movements as Food, no subcategory, and subcategories under 3% of the month grouped as Other in Food. Tap a subcategory's name to open its movements in the list.

Cashflow Sankey

The dashboard also includes a Cashflow Sankey chart (monthly and annual period view) to visualize how money moves from income categories into expenses and investments.

• Tap/click a node to open the movement drill-down list
• Use Top categories / All categories to simplify dense category sets
• Use the expand icon to open the chart in fullscreen mode
• Hover highlights connected flows and dims unrelated ones

When a month/period is not perfectly balanced:

• a Surplus node appears if income is higher than outflows
• a Deficit node appears if outflows are higher than income

How likely are you to recommend CaliMoney?

After your first 30 days a card at the bottom of the dashboard asks one question, from 0 to 10. Pick a score, optionally tell us the main reason, and tap Send (you need to be online). Not now asks again a month later; Don't ask again hides it for good on that device. See Privacy for what is sent.

Annual statistics

Expand the Annual statistics section to see:

Metric	Description
Total income	Sum of income in the selected range
Total expenses	Sum of expenses in the selected range
Total investments	Sum of investments in the selected range
Savings ratio	Average monthly savings percentage
Monthly average	Average amount per category / month

Annual range filter

Select the analysis range at the top of the section:

• Last 6 months
• Last 12 months
• This year
• Past years