Get any report by asking your AI

Pennyweight can total, group and rank your transactions any way you ask, and your AI turns the result into an answer. That means you can get a report that isn't on the web app's report pages: top merchants, category totals by month, spending per account. If your AI isn't connected yet, start with connect your AI.

How to do it

1. Say what you want counted and over which dates. "Last month" or "the last three months" works.
2. Say how to group it. You can group by category, merchant, account, ledger, tag, currency, or by day, week, month, quarter or year. Name two groupings to get a table, such as category by month. See your year in spending.
3. Ask for a top list if you want one, such as "top 10".
4. Narrow it if you like, the same way you'd search your transactions: a merchant, a category, an account, an amount.

What you'll see

Your AI answers with the totals, usually as a short list or a table, largest first. A grouped report covers every matching transaction, not just one page of results. Ask a follow-up to drill in, such as "what made up the Shopping total?", and your AI lists the transactions behind that number.

A few questions have their own report:

• Money in vs money out by month. See income vs expenses over time.
• Subscriptions. Pennyweight looks for charges from the same merchant that repeat on a regular schedule at a steady price over the past year, and lists each one with its cost per month and per year. See find your subscriptions and price increases.
• Net worth. This is a snapshot of your balances today, not a history. See check your net worth.
• Budgets. Pennyweight compares spending against budgets you create. See set a monthly budget.

The web app has four built-in reports: cash flow, spending, income and net worth. See the built-in web reports.

Good to know

• Transfers are left out by default. Pennyweight treats a row as a transfer when it's linked to its other leg as a transfer or its category is Transfer. When that removes rows, Pennyweight tells your AI how many and their total, so the figure can be reconciled with your bank. Ask to include transfers if you want them. A move between your accounts that isn't linked or categorized as a transfer still counts as spending. See transfers explained.
• Currencies are kept apart. If you hold more than one currency, each currency is shown separately and the report is flagged. A spending or category report for one ledger isn't converted. A spending or category report across several ledgers, cash flow across all your ledgers, and net worth also give totals converted to your display currency, with the exchange rate's date, when a rate from the last 7 days is available. Your AI can also group by currency. See multiple currencies.
• Spending, income and cash-flow reports cover the ledger you're working in. To report on another ledger, name it. To combine spending from several ledgers, name each one, such as "spending by category across my Household and Studio ledgers", and your AI adds their totals together. A demo ledger can't be combined with others. Asking about one account covers that account's ledger. See workspaces and ledgers.
• Split transactions count by piece. In a category report, each piece of a split counts under its own category.
• Time-of-day questions don't work. Pennyweight doesn't store the time of a transaction, so a question like "what did I spend after 10pm" comes back empty. See totals look wrong.