Most of us can remember the big purchases but lose the shape of everything in between — the groceries, the small subscriptions, the dinners out, the bits of income that arrive on different days. By the end of the month the picture is a blur. LumynFi's financial reports exist to make that picture sharp again. They take the transactions you've recorded and roll them up into honest monthly and yearly summaries you can read in seconds.
A report answers the questions people actually ask themselves: How much came in this month? How much went out? Which categories took the biggest bite? Am I spending more than last month or less? Everything is computed from your own records, presented as plain totals and breakdowns, and ready to export to CSV whenever you want a copy. It's a calm, clear way to keep records and understand your money — not advice, just the facts of your own spending laid out neatly.
The promise of reports is small but powerful: that you never again have to guess at your own money. Memory is unreliable and receipts get lost, but a faithful record adds up the same way every time. When the totals come from the entries you made — and nothing else — a number you disagree with is simply an invitation to look closer, not a black box to argue with. That honesty is the whole point of a report, and it's what makes the habit of reading one worth keeping.
Monthly and yearly summaries, built from your records
The Reports section aggregates the income and expenses you've logged in LumynFi into two complementary views, so you can zoom in on a single month or step back and read a whole year:
- Monthly report — total income, total expenses, and the difference between them for the month you choose, with a breakdown of spending by category so you can see exactly where the money went.
- Yearly report — the same income-versus-expenses summary rolled across twelve months, so you can see the bigger shape of the year and how one month compares to the next.
Each view leads with the numbers that matter most: money in, money out, and the gap between them. Below that, a category breakdown shows how your expenses divide up — groceries, transport, rent, eating out, whatever you've been recording — ranked so the largest areas are obvious. Nothing is hidden behind jargon. A report is simply your own data, totalled honestly and arranged to be read.
The two views are meant to be read together. The monthly report is the close-up: it answers what happened in the thirty-or-so days you just lived through, while the details are still fresh enough to recognise. The yearly report is the wide shot: it smooths out the noise of any single week and lets the season-by-season rhythm of your money show through. Switching between them takes a tap, and because both are drawn from the very same records, they never disagree — a month you read on its own is the same month you'll see folded into the year.
The numbers are computed, not guessed
Every figure in a LumynFi report is calculated in code, directly from the transactions and income you recorded — added up, grouped by category, and compared period to period. There's no estimation and no mystery: if you can see a total, you can trace it back to the entries that make it up. Optional premium AI can describe a report in plain language to help you read it, but it never invents numbers and never changes them. The math is always the app's; the AI only narrates.
That separation is deliberate. The arithmetic — every sum, every grouping, every month-to-month comparison — runs in plain, predictable code, so the same records always produce the same report. The AI, when you choose to use it, sits on top of those finished numbers and simply puts them into a sentence or two: 'spending was a little higher than last month, mostly in eating out.' It reads the report to you; it doesn't write it. If you never turn the AI on, your reports are exactly as complete and exactly as accurate — the narration is a convenience, never the source of truth.
Why it helps
See where your money went
A category breakdown turns a month of scattered transactions into a clear ranking — so 'where did it all go?' becomes a question you can answer in a single glance.
Income and expenses side by side
Every report leads with money in, money out, and the difference. You always know whether a month came out ahead or behind, without doing any mental arithmetic.
Compare month over month
Monthly and yearly views make trends visible — whether this month ran higher than last, and how the year is shaping up — so patterns surface on their own.
Spot the categories that crept up
When a report ranks your spending biggest-first, a category that quietly grew — a few more deliveries, a subscription you forgot — stops hiding in the noise and shows itself.
Keep a record you can trust
Because every total traces back to entries you made yourself, your reports are a dependable personal history — not a guess, not an estimate, just your own money, totalled faithfully.
Export to CSV anytime
Download any report as a CSV file to keep your own copy, open it in a spreadsheet, or archive it alongside your personal records. Your data stays yours.
Real-life use cases
The end-of-month review
On the first of the month you open last month's report. Income, expenses, and the difference are right at the top; the category breakdown shows that eating out crept up. Two minutes, and you understand the month — no spreadsheet required.
Comparing this month with last
Something felt tighter this month. You open the monthly report, then flip back a month, and the comparison answers it: transport ran higher because of a few extra trips. Now it's a fact you can see, not a worry you carry.
Catching a category that crept up
Your spending feels heavier than it used to, but you can't say why. The category breakdown ranks expenses biggest-first, and a line that used to sit low has quietly climbed. You found the creep without auditing a single receipt.
Reading the whole year
At year's end you pull up the yearly report to see the full arc: which months ran heavy, which were quiet, and how income and expenses tracked across all twelve. It's a clear summary for your own records and reflection.
Keeping a personal copy
You like to archive your finances outside any one app. With CSV export you download each month's report, drop it into a folder or spreadsheet, and keep a tidy personal history you fully control.
What's in a monthly report versus a yearly one
Both reports answer the same three questions — how much came in, how much went out, and how your spending divides up — but they answer them at different distances, and each is good at something the other isn't.
The monthly report: the close-up
A monthly report covers a single month you pick. It leads with that month's total income, total expenses, and the difference between them, then breaks the expenses down by category and ranks them so the largest areas are first. Because it's narrow, it's detailed and immediate: you'll often still recognise the individual things behind the totals. This is the view for the end-of-month review, for checking whether a tighter-feeling month really was tighter, and for catching a category that has started to creep.
The yearly report: the wide shot
A yearly report rolls the same income-versus-expenses summary across twelve months. It trades fine detail for perspective: a single splurge barely registers, but a season of higher spending, a quiet summer, or a steady climb across the year all become visible. This is the view for taking stock, for seeing the genuine shape of a year rather than the mood of one week, and for keeping a tidy annual record alongside your other personal files.
Used together they cover both ends of the same question. The monthly report tells you what just happened in enough detail to act on; the yearly report tells you whether what just happened is part of a pattern. Neither is advice about what to do next — both are simply your own records, totalled at the distance that suits the question you're asking.
How to actually use your reports
A report is only as useful as the habit around it, and the habit can be light. You don't need to study anything or build a system — you just need to look, and to look at the right moment. A few simple routines turn reports from a feature you have into a feature you use:
- Read last month on the first of this one. Open the monthly report once a month, while the details are still fresh, and let the totals and the top categories tell you how the month went in two minutes.
- When something feels off, compare. If money feels tighter or looser than usual, flip between this month and last — the difference, and the category behind it, is usually right there in the breakdown.
- Glance at the top of the category list. The biggest categories are where small changes matter most, so reading the top of the ranking is often all it takes to notice a creep early.
- Close out the year deliberately. Once a year, read the yearly report and export a CSV copy, so you finish each year with a clear summary and a record you keep.
None of this asks you to change your spending or follow a rule — that's your call, and reports never make it for you. The aim is only to keep you honestly informed about your own money. When you can see clearly what came in, what went out, and where it went, the decisions that follow are yours to make, with the facts in front of you instead of behind you.
Exporting your reports to CSV
Sometimes you want your numbers in your own hands — in a spreadsheet, a backup folder, or simply somewhere you control. Any LumynFi report can be exported to CSV, a plain, universal format that opens in any spreadsheet app. The export carries the same figures you see on screen — totals, categories, and the records behind them — so your offline copy matches the app exactly.
CSV export is there for understanding and record-keeping: a way to keep your own archive, build your own spreadsheet, or hold onto a personal history of your money. To be clear about what it is and isn't — a CSV is a personal copy of your own data, not a tax-filing tool and not a financial document prepared for anyone else. LumynFi simply hands you a clean copy of your own data, formatted to be easy to read and easy to keep, and what you do with it from there is entirely up to you.
How a report is built
- 1You record income and expenses as you go — by hand, or alongside the rest of what you track in LumynFi.
- 2Open the Reports section and choose a month or a full year.
- 3LumynFi totals your income and your expenses for that period and works out the difference.
- 4It groups your expenses by category and ranks them, so the biggest areas stand out first.
- 5Read the summary on screen, compare it with other periods, and export it to CSV whenever you want a copy.
Because reports are built entirely from what you record, they're only ever as complete as your entries — and that's the point. The more faithfully you log, the truer the picture. There's no bank login required and nothing imported behind your back: you decide what goes in, and LumynFi does the adding up.
This is also why a report can quietly double as a prompt to keep your records tidy. If a month looks oddly light, it's usually a sign that a few entries went unrecorded rather than that the month was genuinely cheap. Reading your reports and recording as you go reinforce each other: the better your habit of logging, the more you can trust the summary, and the more you trust the summary, the more it's worth keeping the habit.
Reports, the dashboard, and cash flow — how they fit
Reports don't work alone. Your dashboard gives you the live, at-a-glance view of where things stand right now, while reports are the considered look back over a finished month or year. The two complement each other: the dashboard for today's pulse, reports for the summary and the records.
Cash flow sits naturally alongside both. Where a report totals up a period that's already closed, the cash-flow view is about the movement of money in and out over time — the rhythm of what arrives and what leaves. Read together, they tell a fuller story: cash flow shows the flow, reports show the sums, and the dashboard shows the moment. All three are drawn from the same recorded transactions, so they always tell a consistent story rather than three competing ones.
There's also a monthly review surface that walks you through the month just gone — a gentle, structured moment to take stock of what came in, what went out, and where it went. Together with your reports it turns reviewing your money from a chore into a quick, clear habit. Everything stays in your chosen currency and language, so the numbers always read naturally to you, and your data stays scoped to your account, encrypted at rest, and never sold.
Frequently asked questions
What's in a LumynFi financial report?
Each report shows your total income, total expenses, and the difference between them for the period you choose, plus a breakdown of spending by category. Monthly and yearly views are both available, all built from the transactions you record.
What's the difference between a monthly and a yearly report?
A monthly report covers one month in detail — income, expenses, the difference, and a ranked category breakdown — so it's ideal for the end-of-month review. A yearly report rolls that same summary across twelve months, trading detail for perspective so you can see the shape of the whole year and how months compare.
How does the category breakdown work?
Your expenses are grouped by the categories you've been recording — groceries, transport, eating out, and so on — and ranked so the largest areas appear first. That makes it easy to see where most of your money went and to spot a category that has quietly grown.
Can I export my reports to CSV?
Yes. Any report can be exported to CSV — a plain format that opens in any spreadsheet app — so you can keep your own copy, archive it, or build your own spreadsheet. The export matches what you see on screen. A CSV is a personal copy of your data, not a tax-filing tool.
Where do the numbers come from?
Every figure is computed in code directly from the income and expenses you've recorded in LumynFi. Nothing is estimated. Optional premium AI can describe a report in plain language, but it never changes the numbers — the math is always the app's.
Is a financial report financial or tax advice?
No. LumynFi's reports are for understanding your own spending and keeping clear records. They are not financial, tax, or legal advice, and they never tell you what to buy, invest in, or do with your money — they simply lay out the facts of what you recorded.
Do reports work in my own currency and language?
Yes. LumynFi is multi-currency and multi-language, so your reports show totals in the currency you use and read in the language you've chosen. The numbers always present naturally to you.
Is my report data private?
Yes. Reports are built from transactions scoped to your own account, your data is encrypted at rest, and it is never sold. LumynFi never requires a bank login — you decide what's included, and the records stay yours.
Understanding your money shouldn't take a spreadsheet and an afternoon. With LumynFi's financial reports, a month or a year of records becomes a clear summary you can read in seconds — income versus expenses, a category breakdown that shows exactly where it went, and a CSV copy whenever you want one. It's not advice and it's not guesswork; it's your own data, totalled honestly and laid out to be understood.
Read alongside your dashboard and your cash-flow view, reports turn scattered transactions into a story you can actually follow: the pulse of today, the rhythm over time, and the considered look back at a month or year that's done. Record as you go, glance at the summary when it suits you, and keep a copy whenever you like — the picture of your money is always there, clear and honest, waiting for you.
See where your money really went
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