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Orbit Finance
ENBM
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App guides · Financial Statements

How to read your household financial statements

This module shows two household reports: what you are worth and what you earned and spent. It is a read only view. You cannot edit figures here. If a number looks wrong, fix it on the Net Worth or Cash In & Out screens. Use the tabs to switch between the two views.

Checked against Orbit Finance · 6 November 2026

What is this module for?

It answers two questions: what am I worth, and what did I earn and spend. It is separate from business statements because household words and numbers differ from company accounts. It is also different from Customer Statements, which track what a customer owes you.

How do I read my net worth?

  1. Open the What you are worth tab.
  2. Read the big Net worth figure. It is green if you own more than you owe, red otherwise.
  3. Check the As at date. It is always today.
  4. Read What you own on the left and What you owe on the right.
  5. Verify that owned minus owed equals the net worth figure.

How do I check my income and spending?

  1. Press the Income and spending tab.
  2. Pick a year in the selector if needed.
  3. Read the headline. It says Kept this period or Short this period.
  4. Read the percentage under it to see your savings rate.
  5. Review the largest spending rows first.

How do I see whose money did what?

  1. Set the account type to Couple in Settings.
  2. Open the Income and spending tab.
  3. Scroll to the Whose money section.
  4. Read the lines for each partner and Joint.
  5. Check owner tags in Cash In & Out if a line looks wrong.

How do I save these statements?

  1. Set the year for the income statement if needed.
  2. Press Download PDF.
  3. Choose where to save the file and confirm.
  4. Read the on screen message for the file path.

What this does to your books

Nothing on this screen posts. The net worth tab reads only the Net Worth screen, not the ledger, so money keyed into Cash In & Out does not raise net worth by itself. The income and spending tab reads the same Cash In & Out rows as the business side, so keep household spending out of a business file. Exporting a PDF changes nothing.
Screen looks different? Update to the latest version from the Downloads page. Baca dalam Bahasa Melayu

Questions, answered

Why is my net worth not changing when I change the year?

Net worth is a photograph taken today. It is always as at the current date. The year selector only affects the income and spending tab, which covers a period.

Can I edit figures on this screen?

No. Nothing here is editable. If a figure is wrong, go to the screen that owns it. Fix assets and liabilities on Net Worth, and fix income and spending in Cash In & Out.

Why does my bank balance not show in net worth?

The net worth tab reads only from the Net Worth screen. It does not look at the cash book. To count your savings, record them as a cash asset on the Net Worth screen.