A tour of the SpendixAI Report library: 25 reports for 9 money questions

Reports are most useful when they answer a question you actually have. The Report library collects 25 of them, grouped by who would ask. Each is built from your own transactions, shows a chart and a table, can be limited to a period, and downloads as CSV.

Household budgeting

• Monthly category trend: spend by category, month by month.
• Top expense categories: what you spent most on.
• 80/20 category analysis: the few categories behind most of your spending.

Saving and FIRE

• Savings rate by month: income, expense and the share you kept.
• Spend as % of income: each category against that month’s income.

Cash flow

• Net cash flow: money in minus money out, with a running balance.
• Average daily burn: what you spend per day.
• Day-of-week pattern: which weekday your spending peaks on.

Debt

• EMI and loan burden: repayments per month and their share of income.
• Credit-card fees and interest: GST, markup, fees and interest billed to your cards.
• Credit-card share of spend: whether more spending is moving onto cards.

Subscriptions

• Recurring charges: every charge flagged as recurring.
• Subscription cost, annualised: subscription spending ranked, with a yearly estimate.

Tax and GST

• GST and ITC-eligible spend: input-tax-credit spend and the GST inside it.
• Business vs personal: how your spend splits.
• Tax-deductible expenses: deductible spend by category.

Fraud and anomaly checks

• Outlier transactions: expenses far above their category’s norm.
• Possible duplicate charges: the same amount, merchant and account within two days.
• Foreign-currency spend: expenses in other currencies and the rates applied.

Merchants

• Top merchants by spend: the 50 merchants you pay most.
• Merchant visit frequency: where you shop most often.
• New merchants per month: merchants you paid for the first time.

Accounts and categories

• Account net position: money in against money out by account.
• Uncategorised aging: how long unsorted spend has been waiting.
• Budget vs actual: each budget against what was spent.

How to use it

Pick the period at the top, choose a report from the list or the dropdown, and read the headline figures before the table. Rows with a View link open the matching transactions, so a surprising number can be checked in a click.