Reports
Monize includes 40+ built-in reports across 10 categories, plus a custom report builder for analyzing your financial data in depth.
- Overview
- Report Categories
- Built-In Reports
- Custom Report Builder
- Chart Types
- Report Filters
- PDF Export
- Saving and Favouriting Reports
Navigate to Reports from the top navigation bar to access the reporting system. The Reports page lists all built-in reports and any custom reports you have created.
Reports are organized into categories. Use the category filter bar at the top of the Reports page to show all reports or filter by a specific category:
| Category | Description |
|---|---|
| Spending | Expense breakdowns by category, payee, and time |
| Income | Income analysis and cash flow |
| Net Worth | Net worth trends and account balance history |
| Tax | Tax-relevant transaction summaries |
| Debt & Loans | Debt payoff projections and amortization schedules |
| Investment | Portfolio performance, allocation, and transaction history |
| Insights | Behavioural patterns, anomalies, and comparisons |
| Maintenance | Data quality and cleanup tools |
| Budget | Budget tracking, health scores, and trend analysis |
| Bills | Scheduled transaction calendars and payment history |
The Reports page also supports three display density modes (Normal, Compact, Dense) for viewing the report list.
| Report | Description |
|---|---|
| Spending by Category | Breaks down your expenses by category for a selected time period |
| Spending by Payee | Shows your top spending recipients |
| Monthly Spending Trend | Tracks how your spending changes month over month |
| Year over Year Comparison | Compares spending and income across different years |
| Report | Description |
|---|---|
| Income vs Expenses | Compare your income to expenses and track your savings rate over time |
| Income by Source | Break down your income streams to understand where your money comes from |
| Cash Flow Statement | Detailed view of money coming in and going out across all accounts |
| Report | Description |
|---|---|
| Net Worth Over Time | Track your total net worth including all accounts, assets, and liabilities |
| Account Balances | View balance history for all your accounts over a selected time period |
| Report | Description |
|---|---|
| Tax Summary | Annual summary of tax-deductible expenses and taxable income |
| Report | Description |
|---|---|
| Debt Payoff Timeline | Visualize your debt reduction progress with projections for payoff dates. Shows balance over time with historical payments and projected payoff, payment breakdowns (principal vs interest), and summary metrics including estimated payoff date. Supports multiple payment frequencies and Canadian mortgage calculations. |
| Loan Amortization Schedule | Detailed payment schedules for mortgages and loans with principal vs interest breakdown for each payment period |
Note: These reports are available for Loan, Mortgage, and Line of Credit account types.
Monize includes 13 investment reports for comprehensive portfolio analysis. These reports are available when you have at least one investment account.
| Report | Description |
|---|---|
| Investment Performance | Track portfolio returns, gains/losses, and asset allocation over time. Shows current portfolio value, cost basis, total gain/loss, and return percentage with holdings and allocation views. |
| Dividend & Interest Income | Track passive income from dividends, interest, and other investment returns with monthly breakdowns by security |
| Sector Weightings | Analyze portfolio sector exposure from individual stocks and ETFs, with drill-down showing direct stock vs ETF exposure per sector |
| Realized Gains & Losses | Track realized gains and losses from sold securities for tax planning and performance review, with proceeds, cost basis, and transaction counts |
| Portfolio Value Over Time | Visualize total investment portfolio value with historical trends, period returns, and portfolio breakdown |
| Investment Transaction History | Complete history of all investment transactions with filtering by action type (buy, sell, dividend, etc.), account, and date |
| Security Type Allocation | View portfolio allocation by asset type (stocks, ETFs, mutual funds, bonds) with drill-down into individual holdings |
| Geographic/Exchange Allocation | Analyze portfolio geographic exposure by exchange and region for diversification insights, with bar chart and pie chart views |
| Dividend Yield & Growth | Track portfolio dividend yield, per-security yields, year-over-year growth, and payment frequency analysis |
| Individual Security Performance | Deep dive into a single security with price history chart (including buy/sell markers), transaction history, and dividend history |
| Currency Exposure | Understand currency risk with portfolio allocation by currency, showing native and converted values with exchange rate details |
| Report | Description |
|---|---|
| Recurring Expenses Tracker | Identify and monitor subscriptions, memberships, and recurring charges |
| Spending Anomalies | Detect unusually large transactions and spending spikes that need attention |
| Weekend vs Weekday Spending | Analyze your spending patterns based on day of week to understand habits |
| Monthly Comparison | Compare any month to the previous month across income, expenses, net worth, and investments |
| Report | Description |
|---|---|
| Uncategorized Transactions | Find and categorize transactions that are missing categories |
| Duplicate Transaction Finder | Identify potential duplicate entries that may need review or deletion |
| Report | Description |
|---|---|
| Budget vs Actual | Compare your budgeted amounts to actual spending over time across all categories |
| Budget Health Score | Get a 0--100 health score for your budget with detailed per-category impact analysis |
| Seasonal Spending Patterns | Discover seasonal trends and high-spending months across your budget categories |
| Budget Trend | Line chart showing total budgeted vs total actual spending over 6--12 months to track improvement |
| Category Performance | Table showing each category's budget performance over multiple months with trend indicators |
| Savings Rate | Track your savings rate (income minus expenses divided by income) over time vs your target |
| Health Score History | Line chart of monthly budget health scores showing your financial trajectory over time |
| Flex Group Analysis | Stacked bar chart for each flex group showing component categories with group limit reference |
| Seasonal Spending Map | Heatmap grid showing 12 months across all categories to identify seasonal spending patterns |
Note: Budget reports only appear if you have an active budget. For more details, see Budgets.
| Report | Description |
|---|---|
| Upcoming Bills Calendar | Visual calendar of scheduled transactions and upcoming bill due dates |
| Bill Payment History | Track payment patterns and history for recurring bills and scheduled transactions |
Create your own reports with flexible filtering, grouping, and visualization options.
- Navigate to Reports
- Click Create Custom Report
- Configure the report parameters
| Setting | Options |
|---|---|
| Name | A descriptive name for your report |
| Timeframe | Date range for the report data |
| Group By | Category, Payee, Month, Week, or Day |
| Direction | Income only, Expenses only, or Both |
| Metric | Total amount, Transaction count, Average amount, or Budget Variance |
| Chart Type | Table, Line, Bar, Pie, or Area chart |
| Sorting | Sort by name, amount, count, or date |
| Filter | Description |
|---|---|
| Accounts | Include only specific accounts |
| Categories | Filter to specific categories |
| Payees | Filter to specific payees |
| Search Text | Free-text filter on transaction details |
Custom reports support five visualization types:
A tabular view showing rows of data with columns for the grouped dimension and selected metrics.
A trend line connecting data points over time. Best for showing changes over months, weeks, or days.
Vertical bars comparing values across groups. Best for category or payee comparisons.
A circular chart showing proportional breakdown. Best for understanding the composition of spending or income.
Similar to a line chart but with the area below filled in. Effective for showing cumulative trends.
When viewing a report, you can click on any data point (a bar, pie segment, or table row) to navigate directly to the Transactions page with filters pre-applied. This allows you to drill down from a high-level summary to the individual transactions that make up that figure.
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.
Reports support flexible date ranges:
- This Month / Last Month
- This Quarter / Last Quarter
- This Year / Last Year
- Last 30 Days / Last 90 Days / Last 12 Months
- Custom Range -- Select specific start and end dates
Reports can be exported to PDF for sharing, printing, or archiving. Click the Export PDF button when viewing any report to generate a PDF that includes:
- Summary cards with key metrics
- Charts and visualizations
- Data tables with the full report contents
The exported PDF preserves the report's current filters and date range.
Custom reports are saved automatically when you create them. They appear in the Reports list alongside the built-in reports.
Mark frequently used reports as favourites for quick access:
- On the Reports page, click the star icon next to a report
- Favourite reports appear at the top of the list
Click the edit button on any custom report to modify its configuration. Built-in reports cannot be edited, but you can create a custom report with similar parameters if you need a variation.
Custom reports can be deleted from the Reports page. Built-in reports cannot be deleted.