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Dashboard & Fox Pulse

Your financial home base. Every number you care about, in one place, always fresh.

What the dashboard does

The dashboard doesn't have its own data. That's actually the point. It pulls everything from your other sections, budget, expenses, goals, and net worth, and shows you the full picture in one place. The Synergy Engine sits underneath it all, recalculating every metric within 250ms whenever anything changes anywhere in the app.
Here's where each number comes from: Savings Rate draws from your budget allocation and expense logs. Expense Velocity compares what you've spent so far this month to what your daily budget allows. Debt-to-Asset ratio pulls from your latest net worth snapshot. Goal timelines come from the compound growth projections on your goals. The dashboard just assembles it all so you don't have to tab back and forth.

Dashboard hero card

Monthly Remaining

The big number at the top is how much of your monthly budget you still have left. Below it, you'll see your expense logging streak, consecutive days you've logged at least one expense, plus three health metrics: Savings Rate, Expense Velocity, and Debt-to-Asset ratio.

Think of it like your financial vital signs. One quick glance tells you: Am I on track this month? Am I building the habit? Is my overall health trending up?

Savings rate metric

Savings Rate

The percentage of your income you're actually saving this month. It's calculated as your savings budget allocation plus savings-bucket expenses, divided by total income. A green arrow means you're hitting or beating your target. Worth knowing: goal contributions count as savings, not spending.

This is your single most important long-term wealth metric. Not how much you earn. Not how much you spend. How much you keep. If your rate keeps coming in below target, your spending is quietly eating into savings.

Income: $5,000 | Savings target: 20% ($1,000) | Actual savings: $800 | Savings Rate: 16%, below target, amber indicator

Where this number comes from

Savings Rate pulls from your budget (savings percentage) and your expense logs (savings-bucket items). If you haven't logged any expenses yet this month, the rate reflects your budget allocation alone.

Goal contributions count

When you contribute $300/month to your Emergency Fund goal, that counts toward your savings rate. It shows up as an expense in the savings bucket, but the dashboard knows it's savings.

The FIRE perspective

Financial independence advocates aim for 25-50% savings rates, but even bumping from 10% to 15% can shave years off your timeline. Don't compare yourself to extremists. Just try to beat last month.

Expense velocity metric

Expense Velocity

How fast you're spending compared to what's expected at this point in the month. Positive means you're running ahead of pace. Zero or negative means you're running behind pace, which is the good kind of behind. Only counts consumption spending (needs + wants). Goal contributions are excluded.

A velocity of +15% means you're on track to blow your budget by 15%. A velocity of -8% means you've got breathing room. It's the early warning system most budgets are missing.

Day 15 of 30: You should've spent 50% of your consumption budget by now. You've actually spent 42%. Velocity: -8%, spending slower than expected, green indicator

Where this number comes from

Velocity needs both an active budget and at least one logged expense to show something meaningful. It pulls your monthly income from the budget and your needs + wants spending from expenses.

Think of it like a speedometer

You wouldn't drive without knowing your speed. Expense velocity is the same idea for your wallet. Negative velocity means you're banking time for later in the month, which is exactly where you want to be.

Debt-to-asset ratio metric

Debt-to-Asset Ratio

What percentage of your assets are currently financed by debt. Pulled straight from your latest net worth snapshot. Under 25% is considered healthy. If you haven't recorded a net worth entry yet, this shows a dash.

Your net worth can look positive while this number quietly tells a different story. A high debt-to-asset ratio means a lot of what you 'own' is still the bank's. Tracking it keeps debt reduction on your radar alongside asset building.

Where this number comes from

This pulls from your Net Worth section, specifically the most recent snapshot's total assets and total liabilities. It won't show up until you've recorded at least one entry.

Fox Pulse widget

Fox Pulse (sidebar)

A compact widget in the sidebar that shows your three health metrics at a glance. Savings Rate, Expense Velocity, Debt-to-Asset. Tap to expand into a full sheet with detailed context, trend badges showing month-over-month changes like '+5pp', and the Budget Reality Check.

Fox Pulse is financial health visibility without leaving your current page. The expanded view explains the 'why' behind each number, not just the number itself.

Reading trend badges

Those little '+5pp' and '-3pp' badges compare this month to last month in percentage points. A rising savings rate is great news. A rising expense velocity is a heads-up.

AI Financial Insights (Pro)

AI Insights section

Personalized analysis based on your recent spending patterns and goals, powered by Fox Logic. Available on Pro. It reads your numbers and turns them into plain-English recommendations you can actually act on.

Raw data doesn't always tell you what to do next. AI Insights bridges that gap, translating your patterns into clear, specific steps.

Net worth charts

Net worth over time + rate of change

Two charts from your net worth data: one showing your total net worth as a trend line, another showing how fast it's growing or shrinking. Each data point is a manual snapshot you've recorded on the Net Worth page.

The magic here is the rate-of-change chart. Even if your net worth is small right now, watching the acceleration curve is genuinely motivating. Seeing it climb faster over time is the closest thing finance has to a high score.

Budget reality check

Budget reality check

A side-by-side comparison of what you planned to spend versus what you actually spent. It highlights where your budget and your real life are diverging. Only appears when you have an active budget set.

A budget is just a hypothesis. The reality check tells you whether your hypothesis is holding up. If your 50/30/20 split exists on paper but not in practice, this is where you'll see it.

Goal timeline strip

Goal timeline strip

A horizontal strip showing all your active goals with progress bars, ranked by priority. Quick visual check on every goal at once. Only appears when you have active goals.

You shouldn't have to navigate to the Goals page to see if things are on track. This strip gives you the overview so you can spot a struggling goal before it becomes a problem.

Spending pace chart

Compact pace chart

A smaller version of the pace chart from the Budget page. Shows your cumulative wants spending against a dashed 'ideal' line, which represents perfectly even spending across every day of the month.

Below the dashed line means you're on pace. Above it means you're running hot. It's a two-second gut check you can do any time without leaving the dashboard.

Recent activity

Recent activity list

Your latest expense entries in a compact list. Tap any entry to edit it right from the dashboard. Handy for catching mistakes before they snowball into bad data.

A miscategorized expense ripples through every metric. Catching it early here means your savings rate, velocity, and budget charts all stay accurate.

Celebrations & streaks

Celebration system

Cashfox celebrates your wins with confetti and streak badges. Net worth milestones trigger at $1k, $5k, $10k, $25k, $50k, and $100k. Streak badges show up when you've logged expenses for 3, 7, 14, 30, 60, or 90 consecutive days.

Finance apps that only show what's wrong get abandoned. The ones that celebrate progress get used. Positive reinforcement isn't fluff. It's the whole habit loop.

How streaks are counted

Streaks count consecutive calendar days with at least one logged expense. Miss a day and it resets to zero. Logging five expenses in a single day still counts as one day. The streak is about consistency, not volume.

Streak milestones

3 days: Getting started | 7 days: Building a habit | 14 days: Consistent | 30 days: Committed | 60 days: Dedicated | 90 days: Financial warrior

The science behind the confetti

Behavioral economists have found that small celebrations after financial milestones increase savings rates by 16%. The confetti isn't just fun. It's science.

The Synergy Engine: how it all connects

Real-time data flow:

Any store changes
Synergy recomputes (250ms)
Dashboard hero updates
Fox Pulse updates
Celebrations check
The dashboard doesn't load and fetch. It subscribes. Log an expense on the Expenses page, flip back to your dashboard, and your metrics have already updated. Adjust your budget split and watch goal timelines shift before you close the settings panel. That's the Synergy Engine doing its thing.

The dashboard produces no data of its own

It's a pure consumer. Every number on this page lives somewhere else: your budget, your expenses, your goals, your net worth snapshots. The best financial dashboards are the ones you actually look at, and a rich dashboard comes from consistent habits, not features. If yours feels sparse, that's your cue to log more data.