Personal income and spending analysis
Use Tetri reports to review a month’s spending, compare categories and estimate how long savings could last. Open the transactions behind a total to check individual purchases or correct your records.
Complete records for your monthly review
A missing statement reduces recorded spending; a duplicate increases it. Tetri includes checks for incomplete history and categories before you analyse the month. Up to 3 current data tasks appear at the start of Reports.
Open the relevant transactions from a check. Corrected amounts and categories are included when the report updates.
The difference between months
Spending is up by €500. The category comparison shows €450 more on furniture and €50 more on groceries. Check the desk purchase in your transactions before deciding whether to include it in next month’s limit.
If a purchase has the wrong category, correct it in the original history. The updated comparison will use your corrected records.
Reports for different financial questions
Budgets and available savings
- Monthly budgets
- The remaining amounts in your chosen limits before further purchases.
- Spending pace
- Spending up to today compared with the pace over the previous 3 months.
- Category shifts
- Each category’s share of total spending, such as transport after a move.
- Savings runway
- €12,000 in assets and average monthly spending of €2,000 give a 6-month reserve. The estimate uses expenses from the last 3 months.
Spending by month and category
- Spending comparison
- The difference from last month, with the change in each category.
- Spending heatmap
- A category’s history by month, such as heating in winter and summer.
- FX gain and loss
- For $100 received at 90 RUB and spent at 94 RUB, the difference is 400 RUB. The calculation uses earlier currency receipts first. This report requires Pro.
Income and wallet transfers
- Income stability
- Variation in receipts over time. Check it before a new recurring payment, especially when income comes from several clients.
- Transfer flow
- Transfers between your own wallets, separate from purchase expenses.
- Uncategorised groups
- Transactions with matching descriptions, ready for a category or a shared rule.
Transaction history checks
- Account gaps
- Accounts without transactions for 14 days or more, so you can check whether another statement is needed.
- Anomalies
- Purchases more than twice the category average, such as €100 against a €40 average. This needs 5 purchases in 3 distinct months within the last 6 months. It compares your history, without judging the purchase.
- Import quality
- Missing categories, duplicates and errors in imported records.
- Recurring payment detection
- Repeated charges over 6 months to review before adding subscriptions to the schedule.
Analysis across months and years
Free includes reports for the last 3 months. Pro extends the period to 60 months. Compare seasons, annual payments or spending before and after a move.
Combined totals use your base currency. Individual transactions retain their original amounts. A separate FX gain and loss report is available on Pro.
Spending analysis questions
The spending map includes category amounts and shares. Open the purchases in a category to check what the total includes.
The monthly comparison includes the total difference and changes by category. Check the original transactions for a specific reason, such as a furniture purchase.
Assets are divided by average monthly expenses over the last 3 months. €12,000 in assets and €2,000 in expenses give 6 months. Account for future rent changes or major purchases separately in your financial plan.
Yes. Open the relevant history in Activity from the report. Transaction corrections are included when the result updates.