Monarch's Reports feature provides powerful visual insights into your financial data. With detailed charts and flexible filters, you can track your cash flow, analyze spending habits, and monitor income trends — all in one place. Whether you want a broad overview or a deep dive into specific transactions, Reports helps you make informed financial decisions.
At a glance: Reports has three tabs — Cash Flow, Spending, and Income — and each one lets you pick a chart type, apply filters, click into any part of the chart to see the transactions behind it, and save the whole setup as a saved report.
Please Note: The updated Reports experience on web, including the new chart selector and the Treemap chart, is rolling out gradually. If you don't see it yet, check back in the next few days.
Table of Contents
- Overview
- Choosing a chart type
- Exploring the report tabs
- Digging into your data
- Saved reports
- Downloading and sharing charts
- Updates to the Cash Flow page
- Reports on mobile
Overview
Every tab in Reports works the same way. You choose a chart type, choose how you want the data grouped, apply any filters you need, and then click into the chart to see the transactions behind it.
Most of the chart is interactive: you can hover over a point to see more detail, or click to filter down and view the related transactions. Reports also include flexible filtering tools to help you drill down by timeframe, category, merchant, account, tag, amount, and more. Charts can be downloaded to share or analyze elsewhere, and any report you build can be saved for one-click access later.
Want to learn even more about Reports? Watch a recording of our Reports webinar here.
Choosing a chart type
At the top of the Cash Flow, Spending, and Income tabs, you'll find a chart selector. Click it to see the chart types available on that tab, each with a thumbnail and a short description so you can tell at a glance what you're picking.
Depending on the tab (Cash Flow, Spending, or Income) and whether you're on web or mobile, you'll see some combination of the following:
- Sankey — the fan-favorite flow diagram showing how money moves from income into your categories and groups. Available on Cash Flow.
- Trend Bars — bar charts that track change over time. These are stacked by default; use the dropdown next to the chart to switch to grouped. Available on all three tabs.
- Pie — a donut chart showing each category's share of the total. Available on Spending and Income.
- Breakdown — horizontal bars ranked largest to smallest, so you can see what's biggest at a glance. Available on Spending and Income.
- Treemap — a grid of blocks where bigger blocks mean bigger categories. Available on Spending and Income.
Selecting chart type from the Cash Flow tab
For members using Monarch Plus business features, Profit & Loss is also available on Cash Flow.
Once you've picked a chart, use the dropdown beneath it to change how the data is grouped. Grouping options vary by tab and by the features available to your household:
- Cash Flow Sankey can be grouped by Category, Group, or Category & Group. Members using business features may also see a business-entity option.
- Spending and Income can be grouped by category, category group, or merchant. Depending on your setup, you may also see options like owner, business entity, or Fixed / Flexible.
Exploring the report tabs
Cash Flow
The Cash Flow tab gives you an overview of money in versus money out. Choose between the Sankey diagram and Trend Bars from the chart selector, and set your timeframe anywhere from daily to yearly. Members using Monarch Plus business features may also see Profit & Loss.
Below the chart you'll find a summary card with your Total income, Total spending, Net cash flow, and Savings rate for the period you're viewing. If you've applied a date filter, the summary shows the date range it's reflecting.
Under the summary, a second selector lets you switch what you see:
- Breakdown — your income and expenses as ranked bars, so you can see which categories contributed most. Click any bar to open that category, group, or merchant's detail page.
- Transactions — the full list of transactions behind the current view.
Monarch remembers which of these you last used for each chart type, so if you prefer to see Transactions with the Sankey and Breakdown with Trend Bars, that's how they'll come back next time.
Spending
The Spending tab focuses on where your money goes. Choose Pie, Breakdown, Trend Bars, or Treemap from the chart selector, then group your data by category, category group, or merchant.
Income
The Income tab mirrors Spending, but tracks earnings instead. Choose Pie, Breakdown, Trend Bars, or Treemap from the chart selector. Sankey is available on Cash Flow only.
Digging into your data
Reports is built to let you start with a high level view and narrow down. There are a few ways to do that:
- Click a bar, slice, or block. Selecting part of any chart filters the page to the transactions that make it up.
- Click a filter pill. The category, category group, and merchant pills above your results are links — click one to jump straight to that item's detail page.
- Click a bar in a trend chart. Selecting a single period filters the breakdown and transactions below to just that timeframe.
Detail pages support daily, weekly, monthly, quarterly, and yearly views, as well as an all-time view, so the timeframe you were looking at in Reports carries through as closely as possible.
Saved reports
With saved reports, you can bookmark your favorite custom reports and access them instantly — chart type, grouping, filters, timeframe, and all. Once saved, the report appears on your Reports page, ready to refresh with current data whenever you open it.
This now includes Cash Flow views, including your chart type, grouping, filters, timeframe, and whether the lower section is set to Breakdown or Transactions.
Need inspiration? Here are some reports Monarch members love:
- Spending trends: Track month-over-month trends for a specific merchant (like Starbucks) or an entire category (like Restaurants & Bars) so spending doesn't creep up without you noticing.
- Vacation expenses: Using custom trip tags, visualize your trip spending with a pie chart breaking down hotels, dining, and activities.
- Household flows: Use the Sankey diagram to see joint account finances, or filter to individual accounts so each person has their own saved Sankey for easy access.
- Year-end tax prep: Create a spending report filtered to tax-deductible expenses.
Please Note: Saved reports can be created, renamed, and deleted on web. On mobile you can view saved reports you've already created.
Downloading and sharing charts
Charts can be downloaded as an image for your records or to share. Look for the download or share option in the top-right corner of the chart. On the Cash Flow tab, the summary card also includes a Download PNG option, which opens the chart share modal.
On web, you can also export the transactions behind a report as a CSV.
Updates to the Cash Flow page
Cash Flow used to live in two places: its own standalone page and a tab inside Reports. We've brought everything together so all of your views live in one spot, on the Cash Flow tab in Reports.
If you used the standalone page regularly, here's where each piece went:
| On the old Cash Flow page | Where it is now |
|---|---|
| Sankey diagram | Reports > Cash Flow, pick Sankey from the chart selector |
| Income vs. expenses bar chart | Reports > Cash Flow, pick Trend Bars (stacked by default) |
| Income and expense category bars | The section below the chart — switch the view to Breakdown |
| Transaction list | The same section — switch the view to Transactions |
| Income, spending, net cash flow, and savings rate totals | The summary card above the breakdown |
| Filters and timeframes | Still available at the top of the page. During the transition from the old page, you may need to reapply filters after opening Reports. |
Nothing was removed, and none of your data or history has changed — the views are the same, they're just in one place now. The ranked bar view that was unique to the standalone page is called Breakdown in Reports.
Please Note: This update is rolling out slowly, so you may not see the new view yet. The standalone Cash Flow page is still available during this transition so you can cross-reference it while you get used to the new location. You may see a banner there pointing you to Reports > Cash Flow. After the transition period, Cash Flow will live in Reports.
Cash Flow Update FAQs
Where did the Cash Flow page go?
It's now the Cash Flow tab inside Reports. The standalone page is still available during the transition, but everything on it is available in Reports today.
Why don't I see the new chart selector or the Treemap?
These are rolling out gradually on web, so it may take a few days to reach your account. Treemap is also being tested on mobile, so mobile availability may differ by app version and rollout status.
Can I still see my income and expense category bars from Cash Flow?
Yes. On the Cash Flow tab, use the selector below the chart and choose Breakdown. This is the same view that was unique to the old Cash Flow page.
Why do my Trend Bars look different than they used to in Cash Flow?
Trend Bars are now stacked by default, which makes it easier to compare income and spending in the same period. You can switch back to grouped bars using the dropdown next to the chart.
Reports on mobile
Reports are available in the Monarch mobile app on iOS and Android phones. If you previously used Cash Flow on mobile, you'll notice it's now called Reports, in the same spot in your navigation.
The first time Reports is enabled for you, you'll see an announcement on your Dashboard with a short video preview. Tap Explore Reports to jump straight to the Sankey diagram, or dismiss it to continue to your Dashboard.
Navigating Reports on mobile
Cash Flow tab
- Sankey diagram or bar chart (switch using the Chart pill)
- Sankey mode: display by Category, Group, or Category & Group
- Bar mode: Daily, Weekly, Monthly, Quarterly, or Yearly
- Summary of income, expenses, savings, and savings rate
- Income and Expenses breakdown cards, each with a Category / Group / Merchant control
Spending and Income tabs
- Pie chart or bar chart (switch using the Chart pill)
- Display by Category, Merchant, Group, or Fixed / Flexible
- Transaction list
Filters on mobile
Tap the filter icon to filter by date range, accounts, categories, merchants, goals, ownership, business entities, amounts, tags, and more. The default date range is Last 12 months. Presets include Last 7 days, Last 14 days, Last 30 days, Last 60 days, This month, Last month, This year, Last year, Last 12 months, and All time.
Saved reports on mobile (view only)
Tap the bookmark icon to view saved reports you've created on web. Selecting a saved report applies the matching tab, filters, chart type, and display options. You can't create, rename, or delete saved reports on mobile.
Sharing on mobile
You can share Sankey diagrams and pie charts as images using the share icon in the top-right corner of the chart. This opens your device's share sheet, where you can send the chart by Messages, AirDrop, email, and more. Sharing options may vary by chart type and app version.
What's not available on mobile yet
We're continuing to improve Reports on mobile. Most features from web are there, but a few things aren't available yet, including:
- Creating, renaming, or deleting saved reports — you can view ones created on web
- Sharing a saved report by URL
- Some chart types available on web, such as Breakdown and Trend Bars
- Exporting transaction data as a CSV
- The Business Tax Prep / Tax Forms tab (Monarch Plus only)