Your Monthly Numbers
The top of the dashboard is the fastest read in the app: one figure for where you stand overall, then a grid of tiles for the current month.
Net position
The wide card at the top.
Net position is your total saved minus what you still owe. Under it you'll see both halves — for example $4,200 saved · $12,800 owed — or just the saved figure if your budget has no debt.
Saved is your running savings total, starting balance included, as of the latest paycheck whose savings you haven't unticked.
Owed is the total debt balance after the latest paycheck where every debt payment was marked paid. Until you've marked one, it's the starting balance.
The ring beside it shows progress. With debt, it's the share of your original debt that's been paid off. Without debt, it's how far your savings are toward the total the plan ends on.
Negative is normal early in a payoff plan. Watch the direction, not the sign.
The tiles
Each tile is labelled with the current month, like Income · Sep.
Income — every paycheck dated this month, at its current amount (including any change you've made to it on Home). The line underneath compares it to your monthly average across the whole plan, like ▲ 3.7% vs avg.
Spent — your housing and expenses for this month, at their planned amounts. Compared to your monthly average.
Saved — what your paychecks this month put into savings, with your savings rate (saved ÷ income) underneath.
Debt paid — the debt payments due this month, with the change from last month in dollars. Only shown if your budget has debt.
On the Free plan you see Income and Fixed bills instead. Fixed bills is housing, expenses and debt payments together for the month, compared to your average. Spent, Saved and Debt paid are part of Thrive — see What's Included with Thrive.
The colours read the same way on every tile: green is good news, red is worth a look. Income and savings going up are green; spending going up is red.
Reading them together
Individually these are trivia. Together they describe the month.
Income minus spent and debt paid is your actual margin. If it's thin every month, no amount of discipline in the small categories will fix it — the plan is too tight and wants rebuilding at a gentler tier.
Debt paid against saved is your plan's personality made visible. Heavily weighted toward debt means you're on an aggressive tier; if that wasn't deliberate, check which plan you're actually on.
Net position over time is the number that matters most and moves slowest. Month to month it barely shifts, which is discouraging if you check it daily and motivating if you check it quarterly. Check it quarterly.
The tiles are always this month
The tiles don't follow the Month / Paycheck / Year control above the charts. That control only changes the charts. The tiles always cover the current calendar month, and the net position is always as of today.
The extra-paycheck effect
On a weekly or bi-weekly cycle, some calendar months contain an extra paycheck. Those months will show noticeably higher income and savings than the ones around them, and the tile will show well above average.
Nothing is wrong. But don't set expectations from a three-paycheck month — that's the outlier, not the baseline. This is a good example of why the Paycheck view on the charts is the more honest one for judging whether things are working.
When they don't match your bank
The tiles are built from your plan, not from your accounts. They show what each bill is set to — including changes you've made on Home — not what you logged against it. A bill you overspent still shows its planned amount under Spent; the overage shows up as lower savings instead.
The net position is the one figure that depends on what you've marked paid. If it looks stuck, check whether recent debt payments and savings were actually ticked off.
If the numbers still look wrong, see When Something Looks Wrong.