"Reports: Summary, Full P&L and Trends"

The Reports screen has three tabs for understanding your money. Summary is the daily glance — "is this month okay?". Full P&L is the detailed monthly review, and it's also where you close past months. Trends shows patterns over time.

How it works

Summary tab

The default view. It anchors on the latest meaningful month — the current calendar month if it has data, otherwise the most recent month that does. So in the first week or two of a new month, before your statements have arrived, Summary shows last month's picture rather than an empty state. The headline sentence names the month explicitly, so there's no ambiguity about what you're looking at.

It shows:

• The outcome — money in, money out, what's left, framed as surplus or deficit
• Coach summary — a one-paragraph narrative for the month
• What changed — your top movers compared with the previous month
• Score change — week-over-week direction with context, plus a quick read on which score components moved

Full P&L tab

The professional-grade monthly review. There's deliberately no headline figure here — the breakdown table is the screen. (The Summary tab already carries the headline.)

Depending on which month you're viewing, you may see something above the table. A data-completeness note also appears above all of these whenever the month's data is still thin — the same caveat the Summary tab carries, so the detailed view never reads as more final than the headline.

• Current calendar month — nothing; the table starts immediately.
• A past month that hasn't been closed yet — the close gate, with a status sentence and an action button when there's something to do. See closing your month.
• A past closed month — the verdict header: your score for the month with an editorial sentence, and for more notable months, a short coaching paragraph.

Below that, two blocks:

1. The P&L table — sections for income, needs, wants and savings, plus debt repayments and business expenses where relevant, a "Total outflows" subtotal, and the net position as the final row of the table itself.
2. Year to date — total income, total spent and total saved as a single horizontal strip.

Reading the table

Each section opens with a tinted ribbon row carrying the section name and its totals. Category rows sit inside; tap an expandable category to drill into its sub-rows. Visual weight gets lighter as you drill in, so you always know where you are.

Sections only appear when relevant to your data:

• Income — pre-tax, post-tax and other income lines. Always shown.
• Needs — housing, transport, banking, childcare and so on. Always shown.
• Wants — eating out, shopping, entertainment and so on. Always shown.
• Savings — intentional savings (ISA and pension transfers) shown separately from unallocated surplus. Months with no savings activity show a single note saying so.
• Debt repayments — only if your household has tracked debt with repayment activity that month.
• Business expenses — only for sole traders and households with a mapped business account. If you have more than one business, you can drill down by business. See business accounts.
• Net position — income minus outflows, as the final row.

Every row shows the same four columns:

Column	Meaning
Prev	The same line item, previous month
Current	This month
YTD	Total since 1 January (or since your household started, if newer)
% income	This month's value as a percentage of this month's income

Trends tab

Six-month rolling charts per category, with direction indicators (rising, falling, flat) and prior-year comparison where the data exists.

Per-merchant stories

keel reads each category two ways: the category total (the headline) and the per-merchant detail underneath. When a single merchant is doing something worth knowing about, keel tells you directly:

• Bounced direct debit — "Your Octopus Energy direct debit didn't go through this month; expect it to catch up next." The bank told us the payment failed.
• Missing payment — "Your Octopus Energy payment didn't appear this month (~£60 expected). Worth checking; it may catch up." Fired when a merchant's usual pattern is monthly and this month is empty. With no bounce to point at, the framing hedges.
• Catch-up after a bounce — "Octopus came to £200 in April — about double the usual £60, catching up from last month's bounce."
• New merchant — "Costa is new this month — £40 across four visits."
• Anomalously high merchant — when a merchant's spend is well above its stable baseline and there's no bounce story to explain it.

These are capped at one or two per category. Behavioural categories like Eating Out and Shopping only get "new merchant" and "anomalous" notes — a takeaway place not appearing this month isn't a meaningful signal.

Structural payments like mortgages

When keel narrates your "normal" monthly payment for something like a mortgage, it prefers the most authoritative source available: the monthly payment saved on the account, then your debt records, then your credit report, then detected recurring charges, then a trailing average. This matters when recent months were distorted — for example, two catch-up double payments after a missed month. keel will say "your normal monthly payment of £1,141; recent months ran higher — those look like catch-up doubles" rather than misreading a normal month as a partial payment.

When keel has to fall back to that trailing average — no saved figure, no debt or credit-report record, no confirmed recurring charge — it looks back a full year for fixed costs like mortgages, council tax, utilities, insurance and subscriptions. A year of history means a short run of catch-up doubles can't outvote your real monthly amount. Everyday spending like groceries and eating out keeps a six-month window, because for those "what changed recently" is the more useful question. This only affects fixed costs where keel has more than six months of history and nothing more authoritative to rely on.

Council tax 10-month plans

The UK 10-month council tax plan (February and March at £0) is recognised. keel won't flag a "missing payment" during those months when the rest of the year shows the normal amount.

Month navigation

The month picker at the top of Full P&L sets the month you're viewing. The selection lives in the page address, so you can bookmark or share a specific month.

Why it works this way

• Summary is the default because most people want the glance, not the detail. Full P&L is one tab away.
• Net position lives inside the table so the answer lines up under the same columns as everything that feeds it.
• Savings is split into intentional vs unallocated surplus because money left over at month end isn't the same as money you decided to save. Both are positive; only the deliberate transfer is "saved" in the honest sense.
• The month-end narrative is locked once generated. Refreshing the page won't rewrite it.

Good to know

• Returned payments (failed direct debits) are excluded from the P&L. They're a banking artefact, not a real outflow.
• Refunds net against the original category. A £30 return on a £100 purchase shows the category at £70, not as a separate income line. See refunds and returns.
• Partial-month data still shows. If you imported partway through a month, the P&L shows what it has, and all three tabs — Summary, Full P&L and Trends — surface a data-completeness note when the data is thin. On Trends the note reflects the most recent month on the chart.
• Mid-month, the current month is a work in progress. If today is the 15th, you're seeing 15 days of data. The numbers keep moving until month end.

FAQ

Why is there no headline figure on Full P&L?

The Summary tab already has it. Full P&L is the detail view — straight into the breakdown.

What's the difference between "savings" and "unallocated surplus"?

Savings is money you moved on purpose — to an ISA, a pension, a named savings account. Unallocated surplus is money still sitting in your current account at month end. Both increase your net position, but only one was a deliberate decision.

Why don't I see the Business expenses section?

It only appears if your household has a business account mapped or has flagged at least one transaction as business. You can configure businesses in Settings.

The numbers don't quite match what my bank says — why?

A few things are at play: returned payments are excluded, refunds are netted into the category they refunded, transfers between your own accounts are excluded, and credit-card payments are recorded as debt repayments rather than spending. Drill into a category's merchants to see exactly what's in it.