Overview
The reports Walletguide computes: net worth, income and expenses, recurring spend, plan against actual, and scenarios.
Every report is computed on the server over your full history, by the same data slices the API exposes. A figure in the app and the same figure from the API cannot disagree, because there is one implementation.
Net worth
What you are worth, over time, by asset and by liquidity.
Income & expenses
What came in and went out, by category, merchant and period.
Recurring
The payments that repeat, detected rather than declared.
Planning
What you expected against what happened.
Scenarios
What a decision would do to the years ahead.
What the engine handles for you
The reason to ask a report rather than add up rows yourself:
- A split transaction is counted through its children, never twice.
- A transfer between two of your own accounts is not income and not expense.
- Offset and balance system categories correct totals rather than contributing to them.
- Holdings in other currencies convert at the rate for the date in question, not today's, so history does not move when the exchange rate does.
None of that is visible on a raw transaction row, which is why a list plus a sum gives a different answer.
Periods
Reports take a window: a named one (ytd, 1year, lastMonth, allTime, and others) or an explicit pair of dates. Series bucket by month or by day. Leaving the period off means the whole history, from your earliest transaction to today.