Your money flow

What comes in and what goes out

How much you started the month with, how much came in, how much went out and what you end with. All on one screen, and with a number you can check against your bank instead of taking on faith.

Opening

$1.240.500

Income

+$1.180.000

Spending

-$845.000

Card payment

+$235.000

Balance

$1.575.500

✓ Matches your bank

$845kspent

Home

39%

Food

24%

Subscriptions

16%

Transport

12%

Other

9%

The number that adds up

A balance you can verify

Most apps show you the month's net: income minus spending. That number looks like nothing you see at your bank, so you cannot tell whether it is right. Not Pato starts from the balance you came into the month with and ends at the closing balance, which is comparable.

  • Opening: what you had on the first day of the cycle
  • Transfers between your own accounts do not count as spending
  • Neither does paying the card: it moves money, it does not burn it
  • The result should line up with your bank balance

Internal transfers

Card payment

2 transactions

$235.000

›

Between accounts

3 transactions

$480.000

›

This money moved, but it was not spent. That is why it is here and out of every total.

By category

Where it went, without classifying anything

Every transaction arrives with its category set, so the month's breakdown is ready from day one. And if you put a budget on a category, the bar shows both things at once: what you have spent and the cap you set yourself.

  • The height is the spend, the dotted outline is your budget
  • The percentage says how much of that budget you have used
  • Whatever went unclassified gets its own bar, in plain sight
  • Tap a bar and you see the transactions behind it

By category

📦

$452k

🏠

$329k

66%

🍔

$202k

65%

$101k

🚗

$76k

70%

The dotted outline is your budget. Tap a bar to see its transactions.

Daily intensity

The days you go overboard

The month painted day by day by how much you spent. The patterns show up on their own: Fridays, the long weekend, the three days after you get paid.

Daily intensity

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less

more

And other ways to look at the same month

By card

How much ran through each card and each account, so you know which one is carrying the month.

By tag

The tags you put on transactions, added up. Useful for what does not fit a category: a trip, a move, a project.

Against your budget

How much of what you set for each category you have spent, while you can still correct course.

Frequently asked questions

Because that number does not tell you what you end up with. If you started the month with a million and spent more than came in, the net is negative but you still have money left. Not Pato's balance starts from the cycle's opening, so it answers the question that actually matters: what am I left with.

Look at your whole month

The stats build themselves from your transactions. There is nothing to configure.

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