and make use of detailed views, calculated averages and estimates for the future. Filter the display of your financial data by category, tag, account or location, and compare the incomes with expenses and budgets in the River flow graph<\/a>.<\/p>\n This feature is available with Toshl Pro or Toshl Medici<\/a> subscriptions.<\/p>\n This balance is shown separately for every month and is calculated as:<\/p>\n monthly incomes<\/strong> \u2013<\/strong> monthly expenses<\/strong> = monthly balance<\/strong><\/p>\n<\/blockquote>\n Staying in the positive, above the central line, is crucial. It might evade you sometime, but aim for it on a yearly average.<\/p>\n This section shows you the sum of expenses for each month, but can also be filtered to display spending for chosen categories, tags, locations and financial accounts.<\/p>\n Display of the total sum of incomes each month can be further adjusted by filtering by categories, tags and financial accounts. These funds accumulate if you have regular surpluses on your monthly balances. The amounts reflect the account balances at the end of the month. To get the exact value for each column, tap and hold somewhere on the graph. A \u201clollipop\u201d will pop up, displaying the exact value for that particular month.<\/p>\n Past months will also display averages for the last 12 months, while future months show the estimates for the chosen period.<\/p>\n You\u2019ll notice that the River flow graph<\/a> is displayed below the multi-month graph. It shows how your incomes and expenses compare to each other and your budget in an individual month. If you have a monthly budget for all expenses, River flow will include it in the calculation as well. That way you\u2019ll always know how much you can spend while staying within your budget limits.<\/p>\n 12 months are shown on the graph – by default 6 past ones, the current month, as well as 5 future months.<\/p>\n You can move through time by using the < ><\/strong> arrows under the graph, swipping left or right, or by using the general time span<\/a> settings from the right sidebar.<\/p>\n If you\u2019re interested in sums for a certain period, you can also select a custom time span. The selected months will be displayed in darker color below the graph and you\u2019ll see sums for the entire period.<\/p>\n You can zero-in on specific data you\u2019re interested in and want to see over a longer period of time.<\/p>\n Let\u2019s say you want to know how your spending on Food & Drinks varies in time. Tap on the Filter icon in the upper right corner, select \u201cExpense categories\u201d from the menu, then tap \u201cSELECT\u201d and choose \u201cFood & Drinks\u201d. Return to the graph by tapping the “back” arrow in the upper left corner. Your spending data is now filtered to only display the expenses for the Food & Drinks category, so you can see how it varies through the year.<\/p>\n You can narrow it down even further by selecting a tag. Do the same in the \u201cExpense tags\u201d section and you can see how much you spent only on restaurants, alcohol, groceries, or a combination of multiple tags.<\/p>\n You don\u2019t have to pick only one filter. They can be combined. For example, you can set it to only show expenses paid with MasterCard (financial account), for Leisure (category), for books, movies and music (tags), in HMV Manchester Arndale (location).<\/p>\n The filtering is global<\/a>, so it will work with all the data in your Toshl app. Any filter that\u2019s applied will be displayed above the graph, and the excluded categories, tags, etc., will be written in strikethrough.<\/p>\n You\u2019ll notice that the future months on the graph aren\u2019t as colorful. That doesn\u2019t mean that the future isn\u2019t bright, just a bit hazy for now.<\/p>\n The semi-transparent columns in future months can display your planned entries, future estimates or both.<\/p>\n Planned entries<\/strong><\/p>\n These are the expenses, incomes and transfers you have already entered for the future, or were generated automatically based on the repeating entry settings that you have set for your finances. We advise to add as many of these as you can possibly predict. They will help you plan your future months and help you keep the financial stress down to a minimum.<\/p>\n These planned entries can be set to be displayed in your graph. You can adjust this by tapping the Time span icon in the upper right corner, selecting a month to review, and setting the switch for “Show planned expenses in graphs” to ON or OFF. This will also affect other graphs in Toshl.<\/p>\n Estimates<\/strong><\/p>\n Estimates project your past trends in earning and spending into the future. This provides you with a rough guide of what to expect from your balances, spending, earnings and net worth in the upcoming months, if the current trends continue as they have so far.<\/p>\n Since the estimates are based on your past data, the more time you\u2019ve been tracking your finances with Toshl, the more precise they can become. We will also continue improving the algorithm for this feature, so it will become better at estimating your spending patterns.<\/p>\n You can switch the “Include future estimates” option ON or OFF in the filtering menu, on the bottom of the page.<\/p>\n Toshl monster plays it smart and plans for the future. Join in!<\/em><\/p>\n","protected":false},"excerpt":{"rendered":" Learn from your past spending and earning patterns and prepare for the future. That’s what the Planning graphs are all about. Switch between 4 tabs to monitor all main aspects of your personal finance: Balance Expenses Incomes Net Worth and make use of detailed views, calculated averages and estimates for the future. Filter the display … Continued<\/a><\/p>\n","protected":false},"author":11,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[22,14],"tags":[],"class_list":["post-4539","post","type-post","status-publish","format-standard","hentry","category-android-tutorials","category-tutorials"],"jetpack_featured_media_url":"","jetpack_shortlink":"https:\/\/wp.me\/p9HkH6-1bd","jetpack_sharing_enabled":true,"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/toshl.com\/blog\/wp-json\/wp\/v2\/posts\/4539","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/toshl.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/toshl.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/toshl.com\/blog\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/toshl.com\/blog\/wp-json\/wp\/v2\/comments?post=4539"}],"version-history":[{"count":75,"href":"https:\/\/toshl.com\/blog\/wp-json\/wp\/v2\/posts\/4539\/revisions"}],"predecessor-version":[{"id":5184,"href":"https:\/\/toshl.com\/blog\/wp-json\/wp\/v2\/posts\/4539\/revisions\/5184"}],"wp:attachment":[{"href":"https:\/\/toshl.com\/blog\/wp-json\/wp\/v2\/media?parent=4539"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/toshl.com\/blog\/wp-json\/wp\/v2\/categories?post=4539"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/toshl.com\/blog\/wp-json\/wp\/v2\/tags?post=4539"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}![\"\"](\"https:\/\/i0.wp.com\/toshl.com\/blog\/wp-content\/uploads\/2018\/05\/icon.png?resize=50%2C100&ssl=1\"){kind=icon}
<\/a><\/p>\nBalance<\/strong> – monthly balance of incomes and expenses<\/h3>\n
\n
![\"\"](\"https:\/\/i0.wp.com\/toshl.com\/blog\/wp-content\/uploads\/2018\/05\/1-Android-balance.png?resize=400%2C800&ssl=1\")
<\/a><\/p>\n<\/h3>\n
Expenses<\/b> \u2013 spending per month<\/h3>\n
![\"\"](\"https:\/\/i0.wp.com\/toshl.com\/blog\/wp-content\/uploads\/2018\/05\/2-Android-expense.png?resize=400%2C800&ssl=1\")
<\/a><\/p>\n<\/h3>\n
Incomes<\/b> \u2013 earnings per month<\/h3>\n
![\"\"](\"https:\/\/i0.wp.com\/toshl.com\/blog\/wp-content\/uploads\/2018\/05\/3-Android-incomes.png?resize=400%2C800&ssl=1\")
<\/a><\/p>\n<\/h3>\n
Net worth<\/b> \u2013 total balance of your financial accounts<\/h3>\n
![\"\"](\"https:\/\/i0.wp.com\/toshl.com\/blog\/wp-content\/uploads\/2018\/05\/4-Android-net-worth.png?resize=400%2C800&ssl=1\")
<\/a><\/p>\nTap & hold for details and a lollipop<\/b><\/h3>\n
![\"\"](\"https:\/\/i0.wp.com\/toshl.com\/blog\/wp-content\/uploads\/2018\/05\/5-Android-lolli.png?resize=400%2C800&ssl=1\")
<\/a><\/p>\n![\"\"](\"https:\/\/i0.wp.com\/toshl.com\/blog\/wp-content\/uploads\/2018\/05\/Toshl_2.0_monster_0062_63.png?resize=300%2C300&ssl=1\")
<\/a><\/p>\nRiver flow<\/strong> \u2013 see the financial flows each month<\/h3>\n
![\"\"](\"https:\/\/i0.wp.com\/toshl.com\/blog\/wp-content\/uploads\/2018\/05\/6-Android-flow.png?resize=400%2C800&ssl=1\")
<\/a><\/p>\nTravel in time<\/b><\/h3>\n
![\"\"](\"https:\/\/i0.wp.com\/toshl.com\/blog\/wp-content\/uploads\/2018\/05\/7-Android-time-span.png?resize=400%2C800&ssl=1\")
<\/a><\/p>\nFilter by category, tag, account, location<\/strong><\/h3>\n
![\"\"](\"https:\/\/i0.wp.com\/toshl.com\/blog\/wp-content\/uploads\/2018\/05\/8-Android-filter.png?resize=400%2C800&ssl=1\")
<\/a><\/p>\nEstimates and planned expenses<\/b><\/h3>\n
![\"\"](\"https:\/\/i0.wp.com\/toshl.com\/blog\/wp-content\/uploads\/2018\/05\/9-Android-future.png?resize=400%2C800&ssl=1\")
<\/a><\/p>\n![\"\"](\"https:\/\/i0.wp.com\/toshl.com\/blog\/wp-content\/uploads\/2018\/05\/10-Android-planned-expenses.png?resize=400%2C800&ssl=1\")
<\/a><\/p>\n![\"\"](\"https:\/\/i0.wp.com\/toshl.com\/blog\/wp-content\/uploads\/2018\/05\/11-Android-future-estimates.png?resize=400%2C800&ssl=1\")
<\/a><\/p>\n![\"\"](\"https:\/\/i0.wp.com\/toshl.com\/blog\/wp-content\/uploads\/2018\/05\/Toshl_2.0_monster_0063_64.png?resize=300%2C300&ssl=1\")
<\/a><\/p>\n