Trends is on the main navigation, and it answers a different question from Cashflow. Cashflow describes one period; Trends shows how things move across periods.
It is part of the paid plans. On the free plan the page is not available and Finthy offers the upgrade instead.
Two controls shape every chart
The period: 1 Month, 3 Months, 6 Months, 1 Year or 2 Years. Two years is the longest view.
The grouping: Daily, Weekly or Monthly. This is what each point on a chart covers. Daily over a long period is noisy; monthly over a short one gives you very few points. Pairing a long period with monthly grouping, and a short one with daily, reads best.
The four charts
- Spending Trends: how much you spend per interval, so you can see the direction rather than a single month’s figure.
- Income vs Expenses: the two side by side over time. This is the one that shows whether a good month was higher income or lower spending.
- Category Trends: the same shape, per category. You pick which categories to plot with Select categories, and at least one is required; with none selected Finthy asks you to choose one rather than drawing an empty chart.
- Net Worth Progression: your net worth over time, which moves with account balances and with the items in your financial inventory, not just with spending.
When a chart is empty
Trends needs enough history to draw a line. With too little transaction data for the period and grouping you picked, Finthy says so and suggests a different selection rather than showing a flat or misleading chart. Widening the period, or grouping more coarsely, is usually what fixes it.
If the data fails to load rather than being absent, Finthy reports that separately and you can retry.
Good to know
- Trends reads your transactions, so it is only as complete as they are. A manual account you have not updated in two months flattens its own line. Importing a statement fills the gap retroactively, and the charts redraw.
- Duplicates are excluded, so a payment you marked as a duplicate does not create a false spike.
- Transfers between your own accounts are not spending, so moving money does not show up as a spending increase.
- Two years is the maximum, even if you have more history than that. For a longer view, export your transactions and chart them yourself.