Cumulative spending line
Each day adds its expenses to the previous total. A flat section means no expenses were recorded on those days.
Actual pace and elapsed time
The reference line spreads the expected amount evenly across the month. It does not predict purchases. A large scheduled bill can move actual spending above it temporarily.
The days where the slope changed
Open transactions at a sharp rise to find a large purchase, bill, duplicate, or several expenses from the same category.
Comparable months with complete data
Months are comparable only when they include the same wallets and complete imports. A newly added account or missing statement makes spending appear lower.