Budget mode: expenses use your budget per category (unbudgeted categories fall back to the historical mean). Your deliberate plan, inherently free of one-offs.

History mode: expenses use the historical mean for every category — a reality check on whether your budget reflects your actual habits.

Compare mode: shows Budget and History side by side in the charts, table, and per-category breakdown, with a Δ column showing where they diverge. Green Δ = you tend to spend less than budgeted; red Δ = you tend to overspend.

Income: in Budget mode it uses the income budget you set in the Budget tab for each month — so predictable extras like holiday/Christmas allowances or bonuses land in the month they arrive; months with no income budget fall back to the median. History mode always uses the median of the window — the typical recurring month, with one-off windfalls excluded and flagged in amber.

Free balance = Income − Expenses − Invested − Saved − Loan payments. Loan payments are the scheduled debt service from your Loans.