Payee leaderboard

The Payee leaderboard ranks every payee by total outflow over a chosen window. It's the per-merchant complement to the Spending by category report, which is per-category.

The math

For every payee, sum the outflow transactions to that payee in the window. Splits are walked at the parent-payee level — a $100 split between two categories still counts as one $100 transaction to that payee.

Inflows from payees (refunds, paychecks, interest) are excluded by default. Toggle Show inflows separately in the toolbar to add a second ranked list of inflow payees.

Windows

• This month, last month, last 3 months, year to date, last 12 months, custom.

The table

One row per payee. Columns:

• Payee
• Spend — total outflow in the window
• Count — number of transactions
• Average — spend ÷ count
• Last seen — date of the most recent transaction with this payee
• Top category — the category that received the largest share of this payee's spend

Sortable by every column. Default sort is Spend descending.

Filters

• Account scope — one account, an account group, or all.
• Minimum count — hide payees with fewer than N transactions in the window. Useful for filtering out one-off charges and seeing only the merchants you actually frequent.
• Hide transfers — on by default. Transfer counterparties (e.g., the credit card account showing up as a payee on transfer rows) get noisy fast.

What it's good for

• Subscription audit. Once a quarter, scan the leaderboard for monthly-recurring small charges. Cancel what you don't use.
• Renegotiation candidates. The top 10 by spend is where small percentage savings translate to real dollars. Insurance — Auto in your top 5 is a candidate for a quote-shopping session.
• Catching duplicate payee names. AMZN Mktp and Amazon Marketplace both showing up means an import created two payee variants. Use bulk edit to merge them. See Filtering and bulk edits.

Drill-in

Click a payee row to filter the register to that payee for the window. Useful for "every transaction with Whole Foods this quarter" reviews.

Inflow leaderboard

When Show inflows separately is on, a second table appears below the main one. Same columns; ranked by inflow amount. Useful for:

• Confirming all expected paychecks landed
• Spotting refunds you forgot were coming
• Identifying interest-payment accounts (most banks send several small interest credits per year that are easy to lose track of)

What the leaderboard is not

• Not a category report. A Target payee can hit groceries, household, gifts, and pharmacy in one trip — the leaderboard shows the merchant total; the category split is in the split rows.
• Not a budget report. No assignment column. For Assigned-vs-actual see Budget vs actual.
• Not a forecast. Historical only.

A pattern worth watching

If your top payee by spend is unexpected — a delivery app, a single restaurant, an online store — that's the leaderboard surfacing a habit you didn't notice. The point isn't to feel bad about it; the point is that the data was hiding in the register and the leaderboard pulled it out.