The Spending tab
The Spending tab is on credit-card accounts only. It answers one specific question: "How am I tracking against this month's statement?" The chart and table are both scoped to the current statement cycle, using the card's Statement Closing Day of Month as the boundary.
The daily spending chart
A bar chart with one bar per day in the current statement cycle. The height of each bar is the net of charges and credits posted on that day, accumulated from the start of the cycle.
- The cycle starts the day after the last closing day. If your card's closing day is the 15th and today is April 3, the chart covers March 16 – April 3.
- Future days in the cycle are shown but empty — the chart is essentially "here's the window, and here's where you are in it."
- A running total line shows cumulative spend; when the cycle ends, that total is roughly what will appear on the statement.
The daily spending table
Below the chart, a table lists the same data in text form:
- Date — each day of the current cycle.
- Amount — the net spent on that day.
- Running Total — cumulative since the cycle started.
Days with no activity may be omitted or shown as blanks depending on the display density.
Why is it cycle-based instead of month-based?
Because your credit-card bill is cycle-based. A charge on the 18th goes on the next statement, not this one, if your closing day is the 15th. Slicing by cycle rather than calendar month keeps the Spending chart aligned with what the bank will actually bill you, which is usually what you care about when asking "how much have I spent this month?"
If you'd rather see month-aligned spend, the Cashflow dashboard sums every account's activity by calendar month.
Change the closing day, change the chart
If you edit the card's closing day, the cycle boundaries shift immediately. The current cycle may get longer or shorter, and historical data on the History tab re-bins around the new boundaries. See The credit-card closing day.
The connection to linked-account reminders
If you have a linked-account reminder on a checking account pointing at this credit card, the forecast on that checking account shows a payoff drain on roughly the day after this cycle ends. The amount of that drain is the cycle's running total — so the Spending chart and the checking-account Forecast are two views of the same money.