How do I see where my money goes — my spending by category and by merchant?

Open My Reports → Insights → Spending Breakdown. It shows your spending two ways: by category (groceries, utilities, software…) and by merchant (how much you spent at Amazon, Costco, etc. — variants like "Amazon.com" and "Amazon UK" are merged into one line). Pick a date range, optionally filter to specific merchants, and click Preview to see the totals — then Generate for a clean spreadsheet. Totals are net of refunds and exclude transfers and bill payments, so you see real spending. It's free. If you don't see it, switch to Personal mode in Settings — it's built for personal/household tracking.