dla-docs

Reports

1. Purpose

The Reports module provides detailed financial reports, helping you:

• View current month’s financial overview
• Analyze income and expenses
• Track savings progress
• Forecast end-of-month spending
• View reports by type (Income, Expenses, Savings, Loans)

2. When to Use

Use this module when you want to:

• View financial overview
• Analyze spending trends
• Check savings goal progress
• Forecast budget overrun risk
• View detailed reports by type

3. Related Screens

• Overview report
• Income report
• Expense report
• Savings report
• Loan report

4. Main Usage

4.1 View Overview Report

1. Go to Reports tab in bottom navigation
2. View Financial Health section:
   • Savings goal and actual savings (with progress bar and achievement level)
   • Net Cashflow with detailed formula
   • Budget remaining (if budget has been created)
   • Spending pace compared to previous month (if data available)
   • Loan obligations this month (if any)
   • Top 5 spending categories by percentage
3. View Future Trend Forecast section (if budget > 0):
   • Expected remaining at end of month with detailed formula
   • Savings goal achievement probability
   • Upcoming loan payment (if any)
4. Tap on cards to scroll to corresponding detailed reports

4.2 View Income Report

1. From Reports screen, tap on menu item 💵 Income in “Detailed Reports” section
2. View total actual income this month
3. View Recurring Income section: Total, received, not yet received, details for each item
4. View Extra Income section (if any): Total, details for each item, % increase/decrease
5. View 3-Month Income Trend (if sufficient data available)
6. View Monthly Income History
7. View Income Analysis (Insights): Percentage, stability level, trends

4.3 View Expense Report

1. From Reports screen, tap on menu item 🔥 Expenses in “Detailed Reports” section
2. View total actual expenses this month with % increase/decrease compared to previous month
3. View Recurring Expenses section: Total, paid, not yet paid, details for each item
4. View Daily Expenses by Category section: Top categories with amounts and percentages
5. View Spending Surge section (if previous month data available)
6. View 3-Month Expense Trend (if sufficient data available)
7. View Monthly Expense History

4.4 View Budget Report

1. From Reports screen, tap on menu item 📉 Budget in “Detailed Reports” section (only shown when budget has been created)
2. View Budget Overview This Month: Monthly budget, spent (with breakdown), remaining, progress bar
3. Tap on “Monthly Budget” to view Budget Detail Dialog with calculation method
4. View Variance from Plan section: Income and expense items with variances, total variance
5. View Expenses by Category section: Total, each category with amount, percentage, progress bar
6. Tap on category to view list of expenses in that category

4.5 View Savings Report

1. From Reports screen, tap on menu item 💾 Savings in “Detailed Reports” section (only shown when savings accounts exist)
2. View Actual Savings This Month with Net Cashflow formula
3. View Savings Analysis section: % of income, comparison with previous month, end-of-month forecast
4. View Savings Account List section: All active accounts, sorted by nearest maturity date
5. View 6-Month Savings Growth Chart (if more than 1 month of data available)

4.6 View Loan Report

1. From Reports screen, tap on menu item 💸 Loans in “Detailed Reports” section (only shown when loans exist)
2. View Loan Overview: Current debt balance, loan cost this month (with principal + interest breakdown)
3. View Nearest Payment section: Due date, status, days until next payment
4. View Monthly Payment Schedule section: Last 3 months with amounts and status
5. View Loan Analysis (Insights) section: Total paid, debt balance trend, interest rate, late payment risk
6. View 6-Month Debt Reduction Chart (if more than 1 month of data available)

5. Examples & UI Illustrations

5.1 REPORT-01: View Financial Health Overview and Trend Forecast

Goal: View current month’s financial overview, including savings progress, net cashflow, budget remaining, and end-of-month forecast.

Steps:

1. Go to Reports tab in bottom navigation
2. View Financial Health section:
   • Savings goal: ₹49,800 (20% of income)
   • Actual savings: ₹34,860
   • Progress bar: 70% - ACHIEVEMENT LEVEL: MEDIUM
   • Net Cashflow: +₹23,240 [POSITIVE] with detailed formula
   • Budget remaining: ₹51,460 [STABLE] (62% budget ≈ 60% time)
   • Spending pace: 12% higher than previous month
   • Loan obligations: ₹34,860 [PAID]
   • Top 5 categories: Food (32%), Shopping (25%), Entertainment (18%), Transportation (15%), Other (10%)
3. View Future Trend Forecast section:
   • Expected remaining at end of month: +₹19,090 [SURPLUS] with detailed formula
   • Goal achievement probability: 82% [NEAR ACHIEVE]
   • Upcoming loan payment: Day 25: ₹34,860 [SUFFICIENT FUNDS]

Wireframe:

┌──────────────────────┐  ┌──────────────────────┐
│ 🎯 Savings Goal       │  │ 💾 Actual Savings    │
│ ₹49,800               │  │ ₹34,860              │
│ 20% of income        │  │                      │
└──────────────────────┘  └──────────────────────┘

[██████████████----------------------] 70%
ACHIEVEMENT LEVEL: MEDIUM

┌────────────────────────────────────────────────────────────┐
│ Net Cashflow = Actual Savings                              │
│ ┌────────────────────────────────────────────────────────┐ │
│ │ +₹23,240                    [POSITIVE]                  │ │
│ └────────────────────────────────────────────────────────┘ │
│ Net Cashflow = Income (recurring + extra)                  │
│                – Expenses (recurring + daily + loan)       │
└────────────────────────────────────────────────────────────┘

┌────────────────────────────────────────────────────────────┐
│ 📉 Budget Remaining                                         │
│ ┌────────────────────────────────────────────────────────┐ │
│ │ ₹51,460                      [STABLE]                    │ │
│ └────────────────────────────────────────────────────────┘ │
│ • 62% budget ≈ 60% time → Spending at appropriate pace   │
└────────────────────────────────────────────────────────────┘

┌────────────────────────────────────────────────────────────┐
│ 💹 Expected Remaining at End of Month                      │
│ ┌────────────────────────────────────────────────────────┐ │
│ │ Expected: +₹19,090             [SURPLUS]                 │ │
│ └────────────────────────────────────────────────────────┘ │
│ • Expected Spending = (Avg Daily Spending × Days Remaining)│
│                + (Pending Fixed Expenses)                  │
└────────────────────────────────────────────────────────────┘

5.2 REPORT-02: View Income Report

Goal: View detailed analysis of this month’s income, including recurring income, extra income, trends and insights.

Steps:

1. From Reports screen, tap on menu item 💵 Income in “Detailed Reports” section
2. View Total Actual Income This Month: ₹1,74,300
3. View Recurring Income section: Total ₹1,24,500 (Received: ₹1,07,900, Not yet received: ₹16,600), details for each item
4. View Extra Income section: Total ₹49,800 (Freelance: ₹24,900, Selling items: ₹8,300, Small bonus: ₹16,600), 5% increase from previous month
5. View 3-Month Income Trend (sparkline chart)
6. View Monthly Income History: This month, previous month, 2 months ago
7. View Income Analysis (Insights): Recurring income percentage, stability assessment, % increase/decrease

Wireframe: Refer to wf-bao-cao-thu-nhap.md

5.3 REPORT-03: View Expense Report

Goal: View detailed analysis of this month’s expenses, including recurring expenses, daily expenses by category, trends and spending surge categories.

Steps:

1. From Reports screen, tap on menu item 🔥 Expenses in “Detailed Reports” section
2. View Total Actual Expenses This Month: ₹1,51,060 (12% increase from previous month)
3. View Recurring Expenses section: Total ₹70,550 (Paid: ₹62,250, Not yet paid: ₹8,300), details for each item
4. View Daily Expenses by Category section: Food ₹53,950 (36%), Shopping ₹24,900 (16%), Transportation ₹17,430 (12%), Entertainment ₹11,620 (8%), Other ₹8,300 (5%)
5. View Spending Surge section: Food (+₹9,960, +22%), Shopping (+₹6,640, +35%)
6. View 3-Month Expense Trend (sparkline chart)
7. View Monthly Expense History: This month, previous month, 2 months ago

Wireframe: Refer to wf-bao-cao-chi-tieu.md

5.4 REPORT-04: View Budget Report

Goal: View this month’s budget overview, including budget spent, remaining, variance from plan, and expenses by category.

Steps:

1. From Reports screen, tap on menu item 📉 Budget in “Detailed Reports” section
2. View Budget Overview This Month:
   • Monthly budget: ₹83,000 (tap to view calculation details)
   • Spent: ₹31,540 (Daily expenses: ₹20,750, Expense variance: +₹4,150, Income variance: -₹1,660)
   • Remaining: ₹51,460
   • Progress bar: 38.0% with dynamic hint text
3. Tap on “Monthly Budget” to view Budget Detail Dialog with formula: Budget = Income - Expenses
4. View Variance from Plan section: Each income/expense item with variance, total variance
5. View Expenses by Category section: Total, each category with amount, percentage, progress bar
6. Tap on category to view list of expenses in that category

Wireframe: Refer to wf-bao-cao-ngan-sach.md

5.5 REPORT-05: View Savings Report

Goal: View detailed analysis of this month’s savings, including actual savings, savings analysis, savings account list, and trends.

Steps:

1. From Reports screen, tap on menu item 💾 Savings in “Detailed Reports” section
2. View Actual Savings This Month: ₹34,860 with detailed Net Cashflow formula
3. View Savings Analysis section: Savings account for 20% of income, 12% increase from previous month, end-of-month forecast: ₹42,330 (≈85% of goal)
4. View Savings Account List section: 3 accounts (₹3,32,000, ₹41,500, ₹1,66,000), sorted by nearest maturity date
5. View 6-Month Savings Growth Chart (line chart)

Wireframe: Refer to wf-bao-cao-tiet-kiem.md

5.6 REPORT-06: View Loan Report

Goal: View detailed analysis of loans, including current debt balance, loan cost this month, payment schedule, insights and trends.

Steps:

1. From Reports screen, tap on menu item 💸 Loans in “Detailed Reports” section
2. View Loan Overview: Current debt balance ₹53,95,000, Loan cost this month ₹34,860 (Principal: ₹29,050 + Interest: ₹5,810)
3. View Nearest Payment section: Day 25 → PAID, Next payment in 14 days
4. View Monthly Payment Schedule section: Last 3 months with amounts and status
5. View Loan Analysis (Insights) section: Paid in last 3 months: ₹1,04,580, Debt balance trend decreasing steadily, Interest accounts for 17% of payment, Late payment risk: LOW
6. View 6-Month Debt Reduction Chart (line chart)

Wireframe: Refer to wf-bao-cao-khoan-vay.md

5.7 REPORT-07: Analyze Expenses by Category from Overview Report

Goal: From overview report, tap on “Expenses by Category” section to view detailed expense report and deeper analysis.

Steps:

1. From Reports overview screen, scroll to Expenses by Category section
2. View top 5 categories with highest percentages
3. Tap on “Expenses by Category” card (with chevron-right icon)
4. App automatically scrolls to Expense Report section in the same screen
5. View full details: Total expenses, recurring expenses, daily expenses by category (more than top 5), spending surge, trends and history

Wireframe: Refer to wf-bao-cao.md - “Expenses by Category” section

5.8 REPORT-08: View Reports When Insufficient Data (First Month)

Goal: New app users view reports in the first month, when there is insufficient data for comparison and trend analysis.

Steps:

1. Go to Reports tab
2. View Financial Health section:
   • Savings goal and actual savings (if budget exists)
   • Net Cashflow with formula
   • Budget remaining (if exists)
   • NOT displayed: “Spending Pace” (no previous month data)
3. View Future Trend Forecast section (if budget > 0)
4. Tap on Income Report: Total income this month, recurring and extra income, NOT displayed “3-Month Trend”, ONLY displayed “This Month” in history
5. Tap on Expense Report: Total expenses this month, recurring and daily expenses, NOT displayed “Spending Surge”, “3-Month Trend”, ONLY displayed “This Month” in history

Wireframe: Refer to wf-bao-cao.md - cards with conditional display

6. Logic & Rules

6.1 Net Cashflow Calculation

Formula:

Net Cashflow_month = 
  (Recurring income actually received in month + Extra income in month)
  - (Recurring expenses actually paid in month + Daily expenses in month + Actual loan payments in month)

Details:

• Income: SUM(recurring_income_occurrence.amount_snapshot) WHERE status = ‘COMPLETED’ AND due_date in month + SUM(extra_income.amount) WHERE occurred_at in month
• Expenses: SUM(recurring_expense_occurrence.amount_snapshot) WHERE status = ‘COMPLETED’ AND due_date in month + SUM(daily_expense.amount) WHERE occurred_at in month + SUM(bank_debt_payment.total_amount) WHERE due_date in month AND status != ‘CANCELLED’
• Actual Savings: max(NetCashflow_month, 0) - If Net Cashflow positive: Savings = Net Cashflow, If Net Cashflow negative: Savings = 0 (overspending)

6.2 Savings Goal Achievement Level

Formula:

ratio = Saving_month / budget.savings_amount
progress% = round(ratio × 100)

Thresholds:

• GOOD: progress% ≥ 90
• MEDIUM: 70 ≤ progress% < 90
• BAD: progress% < 70

6.3 Budget Remaining

Formula:

• % Budget Remaining = (Budget Remaining / Total Budget) × 100
• % Time Remaining = (Days Remaining / Total Days in Month) × 100

Conclusion:

• If % budget ≈ % time: Spending pace is REASONABLE
• If % budget < % time: Spending FASTER than pace
• If % budget > % time: Spending SLOWER than pace

Note: This card only displays when budget has been created for this month.

6.4 End-of-Month Forecast

Expected Spending:

Expected_Spending = 
  (Avg_Daily_Spending × Days_Remaining_in_Month)
  + Total_Recurring_Expense_Pending_Remaining_Month
  + Total_Bank_Debt_Payment_Pending_in_Month

Details:

• Avg_Daily_Spending = (Total daily_expense.amount from start of month to today) / Days_Elapsed_in_Month
• Total_Recurring_Expense_Pending = SUM(recurring_expense_occurrence.amount_snapshot) WHERE status = ‘PENDING’ AND due_date between tomorrow and end of month
• Total_Bank_Debt_Payment_Pending = SUM(bank_debt_payment.total_amount) WHERE due_date between tomorrow and end of month AND status = ‘PENDING’

Expected Remaining at End of Month:

Expected_Remaining_End_of_Month = NetCashflow_month - Expected_Spending

Savings Goal Achievement Probability:

ratio = Expected_Remaining_End_of_Month / budget.savings_amount
progress% = round(ratio × 100)

Labels:

• ≥ 90% → WILL ACHIEVE
• 70–89% → NEAR ACHIEVE
• < 70% → DIFFICULT TO ACHIEVE

Note: Forecast only displays when budget > 0.

6.5 Actual Data vs Plan

• All report data uses ACTUAL data:
  • Income: COMPLETED occurrences + extra_income
  • Expenses: COMPLETED occurrences + daily_expense
  • Loan payments: bank_debt_payment with due_date in month (regardless of whether paid or not)
• Does NOT use plan data (PENDING occurrences not yet due)

7. Important Notes

• Current Month Data Only: Reports only display current month’s data
• Display Conditions:
  • “Budget Remaining” card only displays when budget has been created for this month
  • “Spending Pace” card only displays when previous month data is available for comparison
  • “Loan Obligations” card only displays when loans exist
  • “Budget” menu item only displays when budget has been created
  • “Savings” menu item only displays when savings accounts exist
  • “Loans” menu item only displays when loans exist
  • “Future Trend Forecast” section only displays when budget > 0
• Forecast is for Reference Only: Based on current trends and PENDING items
• First Month: Some cards/sections do not display due to lack of comparison data (e.g., “Spending Pace”, “3-Month Trend”, “Spending Surge”)
• Cards are Tappable: Tapping a card scrolls to corresponding detailed report in the same screen