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Analytics & Reports

Visualize your spending patterns, track your net worth, and understand your financial health with powerful analytics.

Analytics Dashboard#

Zerosum's analytics dashboard gives you a comprehensive view of your financial health. Access it from your plan's navigation to see spending trends, income patterns, and net worth over time.

Dashboard Components

Cash Flow

Monthly view of income vs expenses to see if you're saving or spending more

Spending by Category

Breakdown of where your money goes across all your budget categories

Net Worth Trend

Track your total assets minus liabilities over time

Account Balances

Historical view of individual account balances over time

Tip

Check your analytics weekly or monthly to spot trends early. Catching a spending increase before it becomes a problem is easier than fixing it later.

Spending Reports#

Understand where your money goes with detailed spending analysis.

Spending by Category#

The category spending report shows how much you've spent in each budget category over a selected time period.

What You'll See:
  • Pie chart showing spending distribution
  • Bar chart comparing categories
  • Total amount and average per month

Use this report to identify:

  • Your biggest expenses – Which categories take the largest share of your budget
  • Potential savings – Categories where you might be able to cut back
  • Budget alignment – Whether your spending matches your priorities

Spending by Payee#

See which merchants or payees receive the most of your money.

This report helps you:

  • Identify subscriptions you might have forgotten about
  • See which stores you frequent most
  • Spot opportunities to consolidate shopping
  • Find patterns in your spending behavior

Net Worth Tracking#

Your net worth is the big picture of your finances: total assets minus total liabilities. Zerosum tracks this automatically using all your accounts.

How Net Worth is Calculated#

Assets-Liabilities=Net Worth
Assets
  • Checking accounts
  • Savings accounts
  • Investment accounts
  • Property value
  • Vehicle value
Liabilities
  • Outstanding debts
  • Mortgage balance
  • Car loans
  • Student loans
  • Other debts

Growing Your Net Worth#

There are two ways to increase your net worth:

  1. Increase assets

    Save more money, invest wisely, or grow the value of property you own

  2. Decrease liabilities

    Pay down debt, especially high-interest debt

Net Worth Milestones

Set net worth milestones to celebrate your progress. Whether it's reaching positive net worth, hitting $10,000, or becoming debt-free, milestones keep you motivated.

Using Tracking Accounts#

To get an accurate net worth picture, add tracking accounts for:

  • Retirement accounts – 401k, IRA, pension
  • Investment accounts – Brokerage, stocks, crypto
  • Real estate – Home value (update periodically)
  • Vehicles – Current market value
  • Mortgages – As a liability
  • Student loans – As a liability

Update tracking account balances monthly or quarterly to keep your net worth accurate.

Cash Flow Analysis#

Cash flow shows the difference between money coming in and money going out. Positive cash flow means you're saving; negative means you're spending more than you earn.

Understanding Cash Flow#

Inflow (Income)

All money received: paychecks, reimbursements, side income, gifts

Outflow (Expenses)

All money spent: bills, groceries, subscriptions, discretionary

Net Cash Flow

Inflow minus Outflow – positive means you're building wealth

Achieving Positive Cash Flow#

To maintain positive cash flow:

  • Track all income – Record every source of income, including irregular ones
  • Budget below your means – Budget less to spending categories than you earn
  • Build in savings – Treat savings as a non-negotiable "expense"
  • Review regularly – Check cash flow monthly to catch problems early

Negative Cash Flow

If your outflow exceeds your inflow, you're either depleting savings or going into debt. This isn't sustainable long-term. Review your budget categories to find areas to cut, or look for ways to increase income.

Financial Runway#

Your financial runway shows how many months of expenses you could cover with your current savings if income stopped.

Runway = Savings / Average Monthly Expenses

A longer runway means more financial security:

  • 1-2 months – Minimal buffer, vulnerable to emergencies
  • 3-6 months – Standard emergency fund recommendation
  • 6-12 months – Strong financial position
  • 12+ months – Excellent security, can weather major life changes

Using Analytics Effectively#

Here are some tips for getting the most value from your analytics:

1
Review Weekly

A quick weekly check helps you stay on track and catch issues early.

2
Compare Periods

Look at month-over-month and year-over-year changes to spot trends.

3
Focus on Trends, Not Points

One bad month isn't a crisis. Look for patterns over 3+ months.

4
Set Benchmarks

Define target percentages for savings and major categories.

5
Celebrate Progress

When net worth grows or spending decreases, acknowledge your wins!

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