Reports

Clatri's reports aren't pretty charts calculated on top of your data. They're real financial statements, read from the accounting ledger that writes itself every time you record something. The app and the agent read exactly the same source, so they can't contradict each other: if you ask the chat how much you earned in April and open April's Income statement, the number is the same. There aren't two ways of adding things up.

On the Money dashboard, the Reports section takes you to five:

Report	The question it answers
Income statement	What you earned and what it cost you
Cash flow	Where the money actually moved
To collect and pay	What already counts but hasn't moved
Balances by month	What you consumed and what you recharged, month by month
Recurring payments	Where your subscriptions and services are going

The Balance sheet sits alongside them, and from the Chart of accounts you get to Budgets.

Income statement

What you earned and what it cost you, over a period.

It builds itself, grouping by your Chart of accounts: the report line is the account. If you created a Marketing account with three sub-accounts, Marketing is right there, and you can expand it.

The structure is that of any serious income statement:

  Revenue
− Cost of sales
─────────────────────
= Gross profit
− Operating expenses
─────────────────────
= Operating result
± Financial result
─────────────────────
= Result before tax
− Taxes
─────────────────────
= Net result

Sections with no activity don't appear. A report with ten lines at zero doesn't report anything.

It's an accrual report, by definition. It counts what happened in the period, whether it was paid or not. A sale on credit shows up the day you invoiced it. That's why there's no switch to view it on a cash basis: "where the money moved" is a different question, and it already has its own report.

Analysis and break-even point

When there's enough to work with, the report adds an Analysis block with your break-even point: how much you need to sell so you don't lose money.

It comes from one thing only: the cost behavior you defined on each account. Fixed costs stay the same even if you don't sell; variable costs follow your sales. With those two numbers, the break-even point is arithmetic.

And it's your judgment that rules, not an industry assumption. Nobody on the outside knows whether your rent is fixed or whether your commission is variable. If you don't classify your accounts, there's no break-even point — and Clatri would rather not show one than show you a fake one.

Cash flow

Where the money actually moved, over a period. The opposite lens to the previous one: only what actually moved goes in here.

Three sections, which come from the cash flow activity you defined on each account:

• Operating — the business running: what you collect, what you pay, payroll, rent
• Investing — what you buy or sell to produce in the future: equipment, instruments
• Financing — where capital comes from and where it goes back to: loans, contributions

At the bottom, the Net change in cash, with the opening cash and the closing cash. If you started with 10, ended with 12 and the report says the net change was 2, then it balances. And if it doesn't balance, Clatri tells you — see below.

Internal transfers are excluded, and the report says so: "{amount} in internal transfers excluded". Moving money from your account to your own savings account isn't money coming into or leaving your life; it just changed pockets. Counting it would inflate both inflows and outflows and make you believe you have a business with twice the activity it really has. This is possible because transfers are connected in To assign.

Balance sheet

What you own and what you owe, at a point in time. Not over a period: on a date. That's why the report is headed As of {date}.

Three sections —Assets, Liabilities, Equity— and an identity that must always hold:

Assets = Liabilities + Equity

When it balances, the report confirms it: "Assets equal liabilities plus equity." It isn't decoration; it's the proof that your books are consistent.

This is where your receivables and payables live, and it's worth understanding why: what you're owed is something you own, and what you owe is something you owe. They're positions, not results. The profit from that sale was already counted in the Income statement the day you invoiced; counting it again when you get paid would count it twice.

When something doesn't add up, it tells you

This is probably the most important part of the page, and the one that will help you most.

An accounting system can fail in three ways, and Clatri would rather point them out than cover them up with a round number:

• "This report doesn't balance" — "Difference of {amount}. The accounts don't add up, so treat these numbers with care." It would rather warn you than let you make a decision based on a broken figure.
• "{count} transactions are missing from your ledger" — there are movements that didn't make it into the accounting. The report is incomplete and tells you how much is missing.
• "{amount} is not assigned to any business line" — when you're looking at a business, it warns you what part of the total was left unallocated, so you don't read as complete a picture that isn't.

And if a report isn't connected yet, it doesn't show you zeros: "We'd rather show you nothing than a number that doesn't come from your accounts."

That sentence is the editorial policy of the whole module.

Drilling down to the transaction

Any line in any report can be tapped. When you tap it you see the movements that make it up, each with Accrued on and Settled on (or Not settled), and from there you get to the individual transaction.

No number in Clatri is a black box. You can always ask "where did this come from?" and drill down to the receipt.

Looking inside a business

Any of the three statements can be filtered to a business or business line. The title changes to Income statement · Bakery and the numbers are that business's.

On accounts shared between several businesses —rent, software, the salary of someone who works for both— the line shows where it comes from: "{percentage}% of {amount} for the whole entity". That way you never confuse the part with the whole.

The other two

Balances by month — "What you consumed (-) and recharged (+) in each balance, month by month." It's the report for your Prepaid balances, and it's where you see the difference between the month you paid and the months in which you consumed.

Recurring payments — Clatri detects your subscriptions and services from your own transactions, without you having to declare them, and shows you how much they add up to each month. It's the list almost nobody has and almost everybody needs.

Budgets

Budgets are defined per account in the Chart of accounts and compare against the accounting ledger, so they also read the same source as everything else. "What you plan to spend, by account."

By chat

You can also ask about all of the above: "how did I do in the second quarter?", "how much do I have to collect and who's taking the longest?", "what's my break-even point?", "show me the bakery's cash flow in May".

The agent reads the same canonical reports you see on screen. It doesn't add things up on its own.