Monthly breakdown reports explained
The Insights page has a Past and Future toggle. Past explains what happened, Future warns you about what is coming.
Insights has one toggle at the top: Past or Future. They answer two different questions.
Future
Future helps you plan what is coming so you can act before a problem happens. It can include a cashflow forecast chart, an income against expense summary, a fixed against variable split, overdraft warnings, and your upcoming forecast items.
Past
Past helps you understand what already happened, so you can spot patterns and plan a better next month. The past is proof of how you behave with money, not a scorecard to feel bad about.
Fixed against variable
- A forecast expense marked recurring counts as fixed.
- A non-recurring expense counts as variable.
- Both percentages are shown relative to income.
- Transfers, savings, and investments are neutral money movement and are excluded from the split, so moving money to savings never looks like spending.
Overdraft warnings
An overdraft warning appears when Seed projects that upcoming bills, spending, or forecast items could push an account below zero or below a safe threshold. It is a prompt to move money now, before the auto-debit lands.
Related articles
Understanding your net worth forecast
How Seed projects what is coming, what the projection is built from, and what it deliberately does not claim to know.
Building your first monthly forecast
The Forecast page is where you plan income and expenses for a month, then watch real transactions fill the plan in.
Every alert Seed can send
Eight families of alerts, from a low balance warning to a Seed Score tier change. Here is the full list.
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