How-to guide
The Expenses figure on the cashflow page is an estimate of the trailing 12-month outflows from your portfolio — debt service, running costs, and fees derived from your account details.
Like income, expenses are derived from the details you set on each account. Tremis never connects to your bank — everything is based on what you tell it.
🏦 Mortgage — monthly repayments
Set a monthly payment amount on a mortgage account. If you don't set one, Tremis estimates the interest portion using your balance and the interest rate.
Edit the account → find Payment amount and Interest rate under mortgage details.
💳 Loans — repayments
Same as mortgages — set a monthly payment amount or let Tremis estimate from the balance and interest rate.
Edit the account → find Payment amount and Interest rate under loan details.
🏠 Property — running costs
Set yearly running expenses on a property account to track maintenance, insurance, and fees. You can also track property tax, HOA fees, and insurance separately.
Edit the account → scroll to Property expenses under advanced details.
Any asset can have user-defined recurring expenses — storage costs, management fees, insurance premiums, vault charges, or anything else that doesn't have a dedicated field.
How to add custom expenses
Custom items use the asset's native currency. If the actual cost is in a different currency, enter the equivalent amount in the asset's currency.
Avoid double-counting
Custom items are additive — they stack on top of any expenses already derived from built-in fields (mortgage payment, property running expenses, etc.). Only add a custom item if the expense is genuinely separate from what Tremis already estimates.
What's not tracked automatically
Day-to-day spending (groceries, subscriptions, utilities) isn't tracked — Tremis focuses on portfolio-level cashflow, not personal budgeting. Use a dedicated budgeting app for granular expense tracking.
Why it matters
Debt service is often the biggest drag on net cashflow. Seeing your mortgage and loan payments alongside your income gives you a real picture of how much cash your portfolio actually produces each year.