Budget

/budget is the cashflow of your current accounts, over a period you choose. Nothing else feeds it: a savings passbook, a share plan or a wallet never appears here, whatever it holds.

With no current account on file the page says so and offers to add one. The controls appear only once there is an account for them to filter.

Period, accounts and whole months

Control	What it does
1M · 3M · 6M · 1A · Custom	The period, counted back from today. Custom adds two date boxes and holds the page until both are filled.
The account dropdown	All checking accounts, or one of them. It narrows the totals and the trend block together.
Aligned on start of month	Snaps the period to whole calendar months: the start to the 1st, the end to the last day.

Without that switch, 1M means the last thirty-odd days, straddling two calendar months. Turn it on to compare like with like.

Inflows, outflows and the savings rate

Four figures: Inflows, Outflows, Available (the difference) and Savings rate (available over inflows, rounded to the whole percent). Below them, one sentence restates all four, then comes the cashflow diagram: income sources on the left, your spending categories on the right, and what is left over as its own branch. The categories are the ones you file operations under, set in Categories and rules. On a phone the diagram keeps its width and scrolls sideways.

Over a period longer than a month, the first two figures also read per month, against the last month of the period. A month still running counts only for the days elapsed.

The two exclusions

Moving your own money is not cashflow, so two rules take it out before anything is totalled:

• A transfer between two of your own accounts. The two legs are paired by the same amount on two different accounts within four days of each other, and neither one counts.
• Anything filed under a money-movement family (Mouvements internes and Épargne et placements), which catches the transfers the pairing cannot see, where the other account was never imported. The exclusion is tied to the family itself, so renaming it changes nothing.

Without them, €500 moved to a passbook would read as €500 of spending on one side and €500 of income on the other.

Spending breakdown

Each spending category with its total over the period you picked, said under the title, and its share of the outflows in percent.

Detected recurring expenses

This card ignores the period above it. It looks over the last three years for the same counterparty charged on a steady cycle (every month, or every 2, 3, 4, 6 or 12 months), for amounts that agree, with a charge recent enough to still be running. It needs three charges in a row, so an annual one shows from its third year. One missed charge does not end a series; two in a row do, unless as many months were skipped the year before, even a month earlier or later: a tax paid in ten instalments stays on the card through its winter pause and counts ten charges a year, not twelve. Two contracts with the same creditor, told apart only by a number in the label, stay two rows, named by the last four digits of that number.

Each row states the last amount charged. After a price change it shows the new price, and for a year after the change it also says the price before. It lists twenty rows at most, biggest first, each brought to what it costs per month and per year, with its share of the total. The cycle most rows share is said once under the title; a row on another cycle says it, with what one charge costs.

What it will not call recurring

A merchant charged twice in a month is not a subscription, a charge that comes back on no steady cycle is not one either, and metered bills that swing by more than a quarter of their usual amount drop out. When a charge is in doubt, the card leaves it out.

Trends

The last block draws income, expenses and savings rate month by month. It follows the period chips, with a floor of six months: below that, a trend has too few points to read, so 1M and 3M both draw six. A custom period gives no hint of how many months to show, so it draws twenty-four. The block always states the span it covers.