Not sure about the terms? See Glossary.
What the overview is for
The overview is your quick health check:
- Do starting balances look right?
- Do plan items look realistic?
- Are there unexpected spikes or drops?
Typical flow (2 minutes)
1) Check the time range
Pick a useful range (e.g. 3 months). Longer ranges depend more on how complete your planning is.
2) Verify starting balances
If the starting balance is wrong, the curve is wrong.
Tip: start with a single bank account and expand later.
3) Find the biggest inflows/outflows
If the curve looks odd, check for:
- wrong direction (inflow vs. outflow)
- wrong date
- wrong magnitude (e.g. 1,000 instead of 100)
What you see on the overview
Forecast (future)
- Forecast chart: Shows how your balance is expected to evolve if plan items happen as configured.
Historical insights (past)
- Category totals: Aggregates categorized payments by category for the selected historical period.
- Cashflow over time: Shows inflows/outflows over time to spot patterns and outliers.
- Budget vs actual: Compares planned values against the payments you actually recorded.
- Top expense categories: Shows which categories drive the biggest expenses in the selected period.
- Income sources: Shows where your income comes from (aggregated by source/category).
- Savings rate trend: Shows how your savings rate changes over time.
Tax analysis (independent of the historical period)
The Tax analysis section uses all tax data you have recorded — independent of the historical period selector above. It appears once you have entered tax assessments or projections.
Tax development
Shows the long-term development of your business revenue and tax values across tax years:
- One row per tax year: a tax assessment if present — otherwise the tax projection.
- Years are shown chronologically (chart + collapsible table).
- Typical values: business revenue, net income, taxable income, revenue minus tax (business revenue minus income tax and solidarity surcharge — not total income minus tax).
Purpose: Quickly see how income and tax burden evolved over several years.
Projection accuracy (assessment vs. projection)
For tax years where both a tax projection and a tax assessment exist, Valutra shows a comparison:
| Compared | Meaning |
|---|---|
| Projection income tax + soli | Sum of estimated income tax and solidarity surcharge (projection) |
| Assessment income tax + soli | Sum of assessed income tax and solidarity surcharge (assessment) |
| Deviation | Projection minus assessment (signed) |
| Deviation % | Absolute deviation relative to the assessment value |
Purpose: Estimate how reliable your earlier projections were — not as a legal evaluation, but as a planning aid.
Interpretation: Small deviations are normal (planning data, tariff changes, matters not recorded in Valutra). Large deviations suggest inputs or assumptions for future projections should be adjusted. See Tax projection & assessments for the projection workflow.
Tax widgets on the overview refresh automatically after you change tax assessments, projections, or prepayment notices.
Past payments & historical insights
The overview doesn’t only show the future (forecast) — it also includes historical insights based on the payments you’ve recorded.
Typically you’ll find:
- a time range selector for the past (e.g. 3/6/12 months or a custom range)
- a purpose filter (all / private / business)
- category totals and charts like cashflow over time, budget vs actual, top expense categories, income sources and savings rate trend
If you want to inspect individual transactions or reconcile payments with planned instances, go to Payments.
If something doesn't add up
Check in this order: