Insights read your ledger; they do not rewrite it
Trends, Spending Breakdown, Reports, Net Worth, Debt, FIRE, Card Rewards, and statement-cycle views calculate from your accounts, transactions, assignments, and settings. Opening an insight does not create a transaction or move money. If a result looks wrong, correct the underlying account, transaction, category, or date rather than trying to edit the chart.
Debt progress and payoff planning
Mark a debt account as tracked and add its interest rate and minimum payment to use Debt Insights. Debt Progress compares payoff approaches, while the Payoff Simulator tests extra payments or a target payoff date. Statement-cycle Detail separates purchases, fees, interest, payments, and principal movement inside one cycle.
These are planning calculations. Your lender's statement remains the source for the actual amount due, interest calculation, and payment deadline.
FIRE and card rewards
FIRE planning uses the assumptions you enter, such as savings, spending, and growth, to show a possible path toward financial independence. Card Rewards estimates value from the reward rules you configure and eligible spending in ReadyCents.
Both are estimates. They help compare scenarios but do not promise investment returns, card eligibility, or redemption value.
Business budgets, taxes, and exports
A Business subscription keeps a business budget separate from personal and household budgets under one account. Mark relevant transaction lines for taxes, choose a tax group and fiscal year, and use reports or CSV exports to prepare records for bookkeeping.