Finme's 16 Reports

The system of 16 financial reports is Finme's core differentiator compared to ordinary expense-tracking apps. This category explains in detail the meaning, how to read, and how to apply each report to your everyday financial decisions.

What do these 16 reports cover?

The reports are organized into 3 main groups following international CFP standards: understanding cash flow (income statement, spending analysis, budget execution), controlling assets & debt (personal balance sheet, investment portfolio, repayment schedule), and long-term planning (net worth forecast, savings fund tracking, financial stress test).

Why do you need more than a simple spreadsheet?

A basic income-and-expense sheet cannot answer questions like: is your debt-to-income ratio safe, how long could your emergency fund last if you lost your income, or how will your net worth grow over the next 20 years. This is exactly why the 16-report system was designed to be in-depth and tightly interconnected.

Applying it with Finme

All 16 reports are automatically calculated and updated in real time right within the Finme app, so you get a complete, in-depth financial picture without ever touching a complicated spreadsheet by hand.