Use calendar, tax, and insights

Use Calendar for timing, Tax for financial-year work, and Insights for transaction-backed findings, evidence, lifecycle updates, and optional Premium narration.

Calendar

Open the Calendar from Analyse when timing matters more than category totals. This is helpful for spotting clusters of payments, pay cycles, month-end swings, and upcoming recurring items.

The calendar combines actual transactions with projected recurring items for the selected month, household or member scope, account, categories, tags, and one-off treatment. Change month with the previous and next controls, and open a day to inspect its actual transactions, projected items, and milestones. It also shows budget context when a category has a monthly limit, so you can compare timing against what remains for that category.

The calendar also shows two static tax markers for the financial year ending in the displayed calendar year:

• 30 June marks the end of the financial year.
• 31 October marks the standard self-lodgement date for people who lodge their own return.

Open either marker to see its financial-year label and a direct link to that year in the Tax section of Analyse. These markers are informational only and do not use your transactions, household details, or tax profile to calculate a personal due date.

The 31 October marker stays on 31 October. If that date falls on a weekend, the ATO uses the next business day. Self-lodgement date only. Registered tax agents and individual circumstances can have different dates; check the ATO or your tax agent.

Tax

Use the Tax row in Analyse for financial-year reporting needs. If you are trying to understand everyday spending patterns, stay in Dashboard, Cash Flow, or the Reports export tools instead.

For households, the tax estimate is split by taxpayer or spender before totals are added together. Joint or blank spender data stays in a separate row until you assign it, so one member's income is not incorrectly taxed as another member's income.

Salary, bonus, and tax refund buckets are treated as PAYG-withheld deposits, so they stay visible in recorded income but are excluded from the taxable estimate instead of being taxed again.

Insights

Use the app search to open Insights as a standalone Analyse destination and review the two-tier findings board. Money to recover prioritises charges and costs that may be recoverable, while Changes to review highlights shifts in regular spending that deserve a closer look.

The eight ongoing checks cover duplicate charges, price increases, unused subscriptions, fees and interest, new recurring commitments, budget overruns, category spikes, and merchant-frequency changes. These findings are deterministic, profile-scoped, and included with Standard through the reports feature. They do not require AI.

Verify and follow up

Expand a finding before acting to see the exact role-tagged transactions used as evidence. Use its action link to open the matching Transactions or Recurring view with the relevant filters already applied.

Checks refresh after successful imports and bank syncs, and when relevant transactions change. Based on amended data means some supporting transactions changed after detection. When a later check no longer finds the same issue, it moves to You fixed this instead of disappearing without explanation.

Optional AI digest

The findings and their evidence remain the source of truth. Premium adds a short AI-written digest that groups and prioritises those existing findings; it does not create a separate set of findings. The digest can appear on Dashboard, the Insights page, and the mobile Insights screen.

AI narration is requested only when your account has the Premium ai_digest feature and AI Features is enabled in Settings. Standard members with AI Features enabled see a Premium preview. With AI Features off, or when narration is temporarily unavailable, Dolla keeps showing the transaction-backed findings without sending them for AI narration.