Reports

Monize includes 48 built-in reports across 10 categories, plus custom report builders for your transactions and your investment holdings.

Overview#

Navigate to Reports from the top navigation bar. The Reports page lists every built-in report and every custom report you have saved, each as a card with its category, name, and a one-line description. Click a card to open the report.

• Search reports by name or description... -- narrows the list as you type
• Category -- buttons for All Reports and each category, each with the number of reports in it. Monize remembers the category you picked
• Density -- the button showing Normal, Compact, or Dense cycles between three layouts; Dense shows the reports as a table. On a phone the reports are a two-column grid of tiles
• New Report -- create a custom report (see Custom Report Builder)

Report Categories#

Every report is always listed. A report that needs data you do not have yet -- an investment account, a budget, a loan -- opens with a message saying so.

Using a Report#

Every report page has a Back to Reports link and, beside its title, an arrow (Switch to another report) that opens a searchable list of every report -- your favourites first, then each category -- so you can move between reports without going back to the list.

Date Range Selection#

Most reports have a row of range buttons above the chart. Each report offers the ranges that suit it, from 1D, 1W, MTD, and 1M through 3M, 6M, YTD, 1Y, 2Y, 5Y, and 10Y to All Time. Many also have Custom, which shows Start Date and End Date fields for any range you like.

Account Selection#

Reports that can be limited to some of your accounts have an accounts selector. Monize remembers your selection for each report between visits.

Filtering from Reports to Transactions#

You can click most data points -- a bar, a pie segment, a Sankey flow, or a table row -- to open the Transactions page with filters pre-applied, so you can drill down from a summary to the transactions behind it. A payee opens exactly that payee's transactions.

On the Income vs Expenses report, clicking an income or expense bar filters by the corresponding category type (income categories or expense categories), so you see exactly the transactions that contributed to that bar.

Partial Figures#

When a figure cannot be worked out completely -- for example an amount in a currency with no exchange rate -- the report says which figures are partial and what is missing (such as the currency to add a rate for on the Currencies page) instead of showing a wrong total.

Built-In Reports#

Spending Reports#

Income Reports#

Tag Breakdowns#

Income vs Expenses and Cash Flow Statement can split their figures by a tag key. Choose a key in Break down by tag key (for example project) and the report adds a breakdown with a tab for each of the key's values (and one for untagged rows), showing that value's income, expenses, tagged inflows and outflows, Balance, and Balance %. Tick Include tagged transfers to count transfers that carry the tag as well.

Spending by Category, Income by Source, Budget vs Actual, and Monthly Breakdown can instead focus on a single Tag value: they then show the Available funds for that value (its income plus the transfers tagged with it) next to what was spent.

Net Worth Reports#

Tax Reports#

Payroll deductions with yearly maximums are tracked on the Taxes page.

Debt & Loans Reports#

Note: The debt and loan reports work with Loan, Mortgage, and Line of Credit accounts; Credit Utilization also covers credit cards.

Loan Detail Page Tools#

Beyond the reports above, each loan, mortgage, and line of credit has a dedicated account detail page with interactive planning tools. (The Loan Overpayment Simulator report embeds these same tools with an account selector.)

Exports: The Loan Schedule, Rate History, and scenario comparison export to CSV from the loan detail page, and the payoff comparison chart exports to PNG.

Investment Reports#

Monize includes 13 investment reports for comprehensive portfolio analysis.

Investment reports have a Refresh button beside the export button to fetch the latest security prices first.

Monte Carlo Simulation#

The Monte Carlo report projects how a portfolio could grow (and be drawn down) by running thousands of randomized market paths.

1. Pick a saved scenario from the Scenarios list, or click New
2. Fill in the scenario inputs:
   • Scenario name and the Investment accounts to model
   • Starting value, or tick Use current balance on each run to start from the accounts' value
   • Contribution phase -- Years, Annual contribution, and Contribution growth
   • Withdrawal phase -- Years, Annual withdrawal (in today's money, grown with inflation), and an optional Target (today's value)
   • Additional cash flows -- + Add cash flow for one-time or recurring inflows and outflows, such as a pension or a home purchase, optionally adjusted for inflation
   • Return assumptions -- Specify expected return (with Expected return and Volatility), or Use historical returns from selected accounts; plus Inflation and the number of Simulations
3. Click Run simulation

The results show the Median final value, the 10th–90th percentile range, the Probability of Depletion, and, with a target, the Probability Above Target, over a fan chart of the projected portfolio value (switch to Table for the figures by year) and a Performance Summary. Tick Show in today's value to adjust for inflation.

Click Save scenario to keep the inputs, or Save as... to keep them under a new name. After a run, Edit inputs reopens the inputs and Run again reruns the scenario. To compare scenarios, click Compare under the Scenarios list, tick two to four scenarios, and click Compare selected: the comparison page runs them side by side and offers Download CSV.

GEM Strategy#

The GEM Strategy report follows the Global Equities Momentum strategy: at each evaluation it compares the 12-month returns of US equities (the S&P 500), developed markets outside the US, emerging markets, and a safe asset, and names the one asset to hold. Assign an instrument to each role and one or more of your investment accounts in Settings; the tabs then show the Overview (the current signal, your portfolio against it, and what to transfer), the Signals history, My portfolio, and a Backtest. You can keep several scenarios and switch between them. A change of signal can also send you a notification.

Insights Reports#

Maintenance Reports#

Bills Reports#

Budget Reports#

Note: Budget reports need at least one budget. For more details, see Budgets.

Custom Report Builder#

Create your own reports with flexible filtering, grouping, and visualization options. Click New Report on the Reports page and choose:

• Standard Report -- a report over your transactions (described here)
• Investment Report -- a table of your holdings (see Custom Investment Reports)

Report Configuration#

Click Create Report to save it. It then appears on the Reports page under Custom.

How Direction Affects Amounts#

• Income Only and Expenses Only show positive amounts: what came in, or what was spent. A refund lowers its category's spending.
• Both with No Grouping and No Aggregation lists every matching transaction with its own sign: money coming into an account is positive, money leaving it is negative, and a refund stays positive even in an expense category. The headline is the Net amount of the listed rows. With Include transfers ticked it is the Net cash movement: a transfer between two accounts you both included shows as a negative and a positive row that cancel out, and a transfer with only one side in the report counts only that side. A transfer between accounts in two different currencies is the exception: each side is converted to your default currency at the latest exchange rate, not at the rate the transfer used, so the two sides can leave a small difference.
• Both with Total Amount or Average Amount, or with No Aggregation and any grouping, adds up each category's net as a positive amount, so income and spending add together rather than cancel. The headline says so (Total of unsigned category amounts) so it is not mistaken for a net figure.

To see one report of everything that came in and went out for a set of categories, in date order, choose No Grouping, No Aggregation and Both, and filter by those categories.

Report Filters#

The Filters (optional) section narrows the report to the transactions you care about. With no filters, every transaction is included.

1. Click Add filter group
2. In the group, pick a field -- Account, Category (which also offers Uncategorized and Transfers), Payee, Tag, or Text (a free-text search on the transaction's details) -- and a value
3. Click Add OR condition to add another condition to the same group: a transaction matches the group if it matches any of its conditions
4. Click Add AND group to add another group: a transaction must match every group

For example, one group with Category = Restaurants OR Category = Coffee Shops, AND a second group with Account = Visa Rewards, reports dining out paid with that card.

Custom Investment Reports#

An Investment Report is a table of your holdings with the columns you choose, valued on a date you choose.

Saved investment reports appear under the Investment category. When viewing one, you can change the accounts and the As of date, switch the Currency between each holding's own currency and your home currency, refresh prices, and export to CSV.

Chart Types#

Custom transaction reports support four visualization types, chosen with View Type:

Table#

A tabular view showing rows of data with columns for the grouped dimension and the selected metric. With No Grouping and No Aggregation, it lists the individual transactions.

Line Chart#

A trend line connecting data points over time. Best for showing changes over months, weeks, or days.

Bar Chart#

Bars comparing values across groups. Best for category or payee comparisons.

Pie Chart#

A circular chart showing proportional breakdown. Best for understanding the composition of spending or income.

Viewing a Custom Report#

A saved custom report opens with its saved timeframe. Change the Timeframe on the report to look at another period without editing it, and choose Use saved timeframe to go back. A report that reaches the row limit says so and asks you to narrow the timeframe or filters.

Exporting Reports#

Reports can be exported for sharing, printing, or archiving. Depending on what the report offers, the button reads Export PDF, Export CSV, or Export with a choice of CSV and PDF.

A PDF includes:

• Summary cards with key metrics
• Charts and visualizations
• Data tables with the full report contents

The export preserves the report's current filters and date range. PDFs embed a Roboto font subset so non-Western text -- Polish, Cyrillic, Greek, and currency symbols -- renders correctly, and chart images are compressed so files stay small.

Saving and Favouriting Reports#

Saving Custom Reports#

A custom report is saved when you click Create Report in the builder. It then appears in the Reports list alongside the built-in reports.

Favouriting Reports#

Mark frequently used reports as favourites for quick access:

1. On the Reports page, click the star (Add to favourites) on a report
2. Favourite reports appear first in the list, and at the top of the report switcher

Favourites are saved to your account, so they follow you to every device, and the Dashboard's Favourite Reports widget lists them.

Editing Custom Reports#

Open a custom report and click Edit at the top right. The builder opens with the report's settings; click Update Report to save. Built-in reports cannot be edited, but you can create a custom report with similar parameters if you need a variation.

Deleting Custom Reports#

Open the custom report, click Edit, then Delete Report, and confirm. Built-in reports cannot be deleted.