Dashboard

The Dashboard is your financial picture at a glance: net worth and its trend, what needs attention, cash flow, investments and reports. Every figure comes from the same numbers the Accounts, Plan and Investments tabs use, so they always agree.

On a computer the app opens on Lucius (chat) the first time, and on a phone it opens on the Dashboard. After that it reopens on whichever tab you used last. The installed phone app (added to your home screen) always opens on Lucius.

Getting started

With no accounts yet, the Dashboard shows Start with the account you use most. Click Add an account myself, or Add with Lucius to set up in chat. See Your first account.

Once you have data, the Dashboard comes with two ready-made views along the top: Overview and Reports. Click a view’s name to switch. Your holdings live on Investments and your month-by-month cash flow on Plan → Cash Flow; add a view of your own in Customize if you want any of those widgets here too.

Overview shows your net worth, what needs attention, the next 30 days beside a calendar, this month’s cash flow, recently added transactions, your subscriptions, and where your money is held. Lucius’s daily briefing isn’t on it to start with; add it from Customize → Add widget (Overview group) when you want a note each day.

Lucius’s daily briefing follows a standing instruction — by default, keep it short, lead with what changed or needs your attention, and sum up the rest in a sentence. To change it, choose ⋯ → Edit… on the briefing, rewrite Briefing instructions (say, “Only my investments, three lines”), and click Regenerate; Lucius rewrites the note with it and keeps following it. The briefing also uses what Lucius remembers about you — the name you go by, preferences you’ve told it — the same way a chat does. Its figures come from the same places as the screens beside it: what’s due or overdue is the Next 30 days feed, each holding’s value is what Investments shows, and the month’s spending is your Plan → Budget view in the method you use. The strongest and weakest holdings it names come from every holding you own, not only the largest. It also names money about to arrive, such as a salary due on the 28th, from the same recurring income your Next 30 days card counts, and rewrites itself shortly after you confirm or dismiss one, so a dismissed salary stops being quoted. Whether cash can take on a card balance follows Ready to Assign (cash not yet given a job), never the account balances (and on a 50/30/20 budget, which has no Ready to Assign, the briefing doesn’t mention it), and a card whose payment envelope in Plan → Budget already holds what it owes is described as covered. It also carries the same flags as Needs attention, so it never calls everything in order beside a warning on screen, and it describes only as much history as your book holds (a book that began yesterday is never summed up “over the last three days”), mentions a card’s due date only if you’ve recorded one, and doesn’t ask you to import or log what is already in the book. The note is written again, ahead of its usual schedule, when you add an account or a card, link categories to envelopes or assign money, so it never talks about a book you’ve since changed; importing a statement, a new book’s first transactions, labelling one of your first few uncategorised transactions or a change in the Needs attention flags do the same, at most once every couple of minutes.

Subscriptions lists recent charges in your Subscriptions category — found by name if you made your own. Category transactions does the same for any categories you pick, say Groceries and Dining out. To change either one’s categories, choose ⋯ → Edit… on the widget (or Edit in Customize) and pick its Categories. Open register on either one opens the register showing just those categories’ transactions.

Customize your dashboard

Click Customize (the pencil, top right).
Click Add widget, search or browse by group, and pick one. It’s added to the current view.
Drag widgets to rearrange them. Drag a corner to resize. On a phone, use the up/down arrows: a phone keeps its own order, so rearranging there never moves anything on your computer’s dashboard. Edit opens a widget’s own settings — chart type, date range, currency pairs and so on.
Add section groups widgets under a heading you can collapse.
Click Save. Cancel throws away everything since you clicked Customize, and Reset changes undoes your edits without leaving.

Views — in Customize mode, click + after the view names to add a view, double-click a view’s name to rename it, and drag to reorder. To delete a view, select it and click the × on its name (the first view can’t be deleted).

Widget menu — outside Customize mode, each widget’s ⋯ menu offers Edit… (the same settings as Edit in Customize — title, chart type, categories and so on), Display… (accent color, hide title, fixed height), Set alert…, Share with Lucius, Duplicate and Remove, and a link to the tab it comes from. Set alert… has Lucius notify you when the widget’s number crosses a threshold you choose.

Build with Lucius — in Add widget, describe what you want (“my USD exposure over time”) and Lucius builds the widget. An empty view also offers Build with Lucius to assemble a whole view for you.

Each widget is as tall as its content (or the height you set, if you switched it to Fixed). Widgets side by side line up when their heights are close; when one is much shorter, it simply ends sooner instead of stretching into an empty card. You can stack two or three widgets beside one tall one — when the stack ends just short of the tall widget, its last widget lines up.

Going Back after opening something from the dashboard (an account, a holding, a merchant’s transactions) returns you to where you were on the page.

Your layout is saved on the server, so it’s the same in every browser and device you use.

Available widgets

Group	Widgets
Net worth	Net worth & trend, Net worth (numbers), Net worth chart, Asset allocation, Reachability, Where money is held
Overview	Needs attention, Daily briefing, Ask Lucius, Summary card
Cash flow	Next 30 days, Spending pulse, Cash flow, Calendar card, Recently added, Recent transactions, Subscriptions, Category transactions
Investing	Today’s movers, FX rates, Dividends, Holdings map, Allocation drift, Performance vs benchmark, Unrealized gains, Dividend forecast
Planning	Spending pace, Goals, Crossover point, FIRE projection, Cash-flow runway
Reports	Spending by category, Spending trends, Income vs expense (chart), Income & expense table, Savings rate, Top merchants, Money flow
Content	Text widget, Image, Embed

Reports cover every transaction in the month, including history: rows from a statement you imported that are dated before an account’s starting balance. Your budget leaves those out, because the starting balance already includes them, so Reports and the budget’s Activity can differ for those months. Money in with no category yet shows as Uncategorized income, and spending with none as Uncategorized spending, including in Money flow.

Spending by category and Top merchants describe this month. While this month has no spending yet (the first days of a month, or a book that just imported last month’s statement), they show the latest month in the last six that has some, and say so: for example September. Nothing spent in October yet. Clicking a merchant then opens its transactions for that month.

In Reports, Top merchants can be shown as a list, bars or a pie (the header menu), and each merchant opens its transactions for the month in any of them. Income vs expense opens on Totals (an Income bar and an Expenses bar per month); switch Detail to By category for each side stacked in its own colour family — green for income, red and amber for spending — with a legend split into Income and Expenses. Spending trends draws a dashed line at your average monthly spend over the complete months since your first transaction, so a book that starts with one imported month averages that month, not that month spread over months before the book existed. The Net worth chart starts at the first date you held anything.

Cash flow shows this month’s money in and out. While this month has no income or spending yet, it shows the latest month that does and says so (“September. Nothing yet in October.”).

What the numbers mean

Spending pulse, Spending pace and Budget vs actual follow your budget method. With Zero-Based they compare each envelope’s spending with what you assigned; with 50/30/20 they compare it with the envelope’s monthly cap (an envelope without a cap shows its spending with no budget). Spending outside your envelopes shows as Not in an envelope.
Net worth shows just the figure until there are two months of history; the trend chart appears once a second month exists. Cash on hand under it is left out while it equals net worth (an all-cash book).
Net worth is recalculated every time, in your base currency. Change your base currency and every past figure is converted again — see Base currency & FX.
Retirement accounts count in net worth. Unvested stock isn’t counted until it vests.
Today’s move, movers, the Holdings map and Unrealized gains cover vested holdings only and show one line per holding, summed across the accounts it sits in. Debt is your loans and credit cards; an overdrawn bank account is already netted into cash. Performance compares against the benchmark set in Investments → Performance, and Allocation drift covers your investments only: it leaves out property and other owned assets, and it leaves out account balances (cash, a brokerage’s settlement cash, fixed deposits, retirement cash), so a balance with no target never gets a “Trim” or “Top up” suggestion.
FX rates — click a pair (for example VND / SGD) to read it the other way round (SGD / VND). Each row remembers its own direction. The note beside a pair says what you hold in that currency, net of what you owe in it: S$2,472 held, or S$362,660 owed when the net is negative (an overdrawn wallet, say).
Cash on hand is the total of your Cash-type accounts only (bank and wallet cash). Cash inside a brokerage or retirement account belongs to those, not to cash on hand, and hovering the figure says so (“Cash in investment accounts is under Investments.”)
Needs attention lists the open portfolio decisions Investments shows as N to decide (a concentration call, a rebalance, an upcoming vest), next to the thin-cash, card-bill and funding flags, any overdue payments from Commitments and the transactions to review (imported, or added by Lucius, waiting for your approval). It no longer works out a concentration flag of its own, so the two screens can’t disagree.
Recently added lists the newest entries first but shows each transaction’s own date; when it was entered on another day (an import of last month’s purchases) the row also says “added Oct 14”. Each account’s Starting Balance row is left out: it is a balance, not something you spent.
Needs attention → card bills. A card shows up only when its last statement still owes money and is due within 7 days or already overdue, one line per card: for example “Visa: $640.00 due in 3 days”. Owing money on a card isn’t a flag by itself. “Estimated” means the due date and amount come from the card’s statement cycle, not a statement you imported; import the statement for the printed figures.
Needs attention → Thin cash buffer appears when your cash covers less than three months of your spending. That is the runway on Plan › Cash Flow and the Cash-flow runway widget: your cash on hand divided by your monthly burn (your recurring bills plus everyday spending, not one-off purchases), so all three always quote the same number of months. It stays quiet until Open Net Worth knows what you spend.
A credit card with no purchases yet (none in the period) means its spending isn’t in your savings rate, burn or runway, so those figures read better than your real situation. They say Card spending not included yet and name the card until you import its purchases.
Next 30 days lists everything going out from today through day 30 — commitments (instalments, auto-debits and goal set-asides alike), recurring bills such as rent or a subscription, and each credit card’s unpaid statement on its due date — and the recurring income landing in the same window, such as a salary Open Net Worth has seen arrive on a steady rhythm. Money going out has a red dot, money coming in a green one. Going out adds all three; a recurring bill that a commitment already lists (the same amount within a few days) is counted once. A card bill marked (estimated) comes from the card’s statement cycle until you upload its statement. Until you have given a bill or instalment a due date, its headline reads No dated bills yet (with Add due dates) rather than a $0.00 going out, because no dates is not the same as nothing to pay. Recurring income is named by its payee, without the bank’s reference numbers. Overdue is anything unpaid or not done dated before today. Funding that was planned but hasn’t arrived is not “overdue”: it’s money in, not a bill. The Commitments screen’s Due in 30 days and the daily briefing quote the same overdue count and total; their Due in 30 days counts commitments only, so it is smaller than the card’s going out when you have recurring or card bills.
Money flow says under the diagram that it is Net of refunds and reimbursements: a refund reduces the category it came from. Plan → Cash Flow shows gross In and Out, so the same month reads larger there, and its footnote says so.
Savings rate is the last complete month that had income, labelled with its month (“in September”); partway through a month with income it says “so far this month”. It is Income − spending recorded in that month. Under it, one line gives the 3-month average with its months (for example “3-month average (Jul to Sep): $3.17K a month, 55%”): the same figure the Outlook checks your saving against, so the two most-used numbers sit together with their periods. Both differ from the Budget screen’s month-in-progress pace and from Cash Flow’s projected average, which cover other periods.
Asset allocation, Reachability and Where money is held each say what their total adds up: allocation shows each class as a share of your assets (the shares add up to 100%) with your Debts as a separate line underneath, never a negative percentage; reachability is everything you own before debts (owned assets included), and where money is held is by institution, each net of its own debts, with owned assets left out because they aren’t held at one. They differ on purpose; compare them to Net worth with that in mind.
The status bar ticker shows gold, coins, FX and a few large stocks only once you hold a market position or follow a ticker on a watchlist. To always show them, turn on Always show market prices in Settings › Appearance.
Needs attention → Funding shortfall is the same figure as the Short headline on Commitments, always over the next 12 months: the deepest your cash is projected to fall below your safety floor. It is shown in whole dollars, and when your book spans more than one currency it says “at today’s exchange rates”, because the cents move whenever the rates do.
Spending pulse, Spending pace and Budget vs actual leave out a credit card’s payment envelope: paying the card isn’t new spending, the purchases already count in their own categories. Savings rate and the Income & expense table averages use complete months only, and Goals lists your savings goals.

What Lucius can do here

Answer “what’s my net worth?” or “how am I doing?” with the same figures, over 1M, 3M, 6M, 1Y or all time.
Write a report in chat — net worth, income, spending, cash flow, or budget vs actual — for a period you choose.
Explain a Needs attention item and fix it with you (approve a transaction, record a payment).

Troubleshooting

“Not enough transaction history yet.” — the widget needs a few months of transactions (usually six). Import older statements, or wait — it’s not an error.

A widget says “This widget type is no longer available” — remove it; it was replaced by a newer widget.

Net worth looks wrong — see Net worth looks wrong.