Reading your reports
Balance Sheet, Income Statement, and Cash Flow — the same books, three views.
Last updated October 23, 2026
Chord has three reports. They read from the same postings as everything else, so they can't drift from the register.
| Report | Shortcut | What it shows |
|---|---|---|
| Balance Sheet | ⌥⌘1 | A point-in-time snapshot of Assets, Liabilities, and Equity from your ledger, with investments shown as a separate memo line |
| Income Statement | ⌥⌘2 | Income vs. Expense over a period, with category drill-down |
| Cash Flow | ⌥⌘3 | Money in and out by month, plus a reconciliation of what actually moved in your cash and card balances |
Two details worth knowing
- Holdings sit outside the ledger. On the Balance Sheet, "Memo: investments at market" is shown for reference and is not part of the totals above it. Your Home net worth adds ledger and portfolio together; the Balance Sheet keeps them apart.
- Cash Flow is accrual-based. A card charge counts in the month you make it, not the month you pay the card. The reconciliation shows the change in cash and in card debt for the month, which is what really hit the bank.
Moving through time
| Action | Keys |
|---|---|
| Cycle report tabs | ⌃⇥ / ⌃⇧⇥ |
| Previous / next period | ← / → |
| Previous / next year | ⇧← / ⇧→ |
| Previous / next period with activity | ⌥← / ⌥→ |
| Current period | T |
The Income Statement defaults to the calendar year, matching the CRA tax year.
Which currency am I looking at?
Reports are presented in your profile's default reporting currency. The Balance Sheet converts USD balances at the latest stored (spot) rate; the Income Statement converts each transaction at its own date's rate, so a historical figure doesn't change when today's rate does. See CAD and USD exchange rates.
A note on what these reports are not
These are bookkeeping reports over your own data. They are not a tax return or tax advice, and they don't compute adjusted cost base on investments.
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Still stuck?
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