Using Reports
Entering transactions is only half the story. Reports turn all that data into a real picture of where your money's going.
Personal Reports
HOB includes several reports, each answering a different question about your finances.
📋 Budget Summary
Compares budgeted vs. actual spending by category for a specific month.
📅 Annual Budget Summary
The same comparison, but across an entire year.
💵 Cash Flow
Money in vs. money out over a custom date range, with trend analysis.
🗂️ Category Spending
A detailed breakdown by category, with top payees and comparisons.
📈 Spending Trends
Month-over-month patterns across categories.
📈 Investments Over Time
Your portfolio's cash and holdings value tracked over time with saved snapshots.
⚖️ Net Worth
Assets minus liabilities over time, with saved snapshots and a running history.
Business Reports
If you're running a business through HOB, these give you the numbers a business actually needs.
📊 Profit & Loss
Business income vs. expenses for a period, with category breakdowns.
🧾 Sales Tax Overview
Collected and taxable sales, due dates, and flags across every jurisdiction.
✅ Schedule Reference
Business income and expenses grouped by tax schedule line, ready to hand to your accountant.
💼 Before These Show Anything Useful
Profit & Loss and Schedule Reference only work once your accounts and categories are tagged Business. Schedule Reference specifically also needs each business category's Schedule Reference field set - see Setting Up Categories for both.
Finding Your Reports
Click Reports in the navigation to see every report in one place.
Printing and Saving Reports
Every report can be printed or saved as a PDF using your browser's print function - open the report and press Ctrl+P (Windows) or Cmd+P (Mac).
Quick Tips
- 📅 Check monthly: Budget Summary is most useful reviewed right after the month closes
- 📊 Watch trends, not just totals: Spending Trends catches slow creep a single month won't show
- 🗂️ Drill into categories: Category Spending shows exactly who you're paying, not just how much
Next Steps
- Budget Basics - Build the budget these reports compare against
- Getting Started Guide - Full overview of HOB
Still have questions? Contact support