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hledger/Hledger/Cli/Commands/Balance.md
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@ -3,43 +3,54 @@ Show accounts and their balances.
_FLAGS
The balance command is hledger's most versatile command.
Note, despite the name, it is not always used for showing real-world account balances;
the more accounting-aware [balancesheet](#balancesheet)
and [incomestatement](#incomestatement) may be more convenient for that.
`balance` is a flexible command for listing account balances, balance
changes, values, value changes, and more.
Generally it shows a table, with rows representing accounts, and
columns representing time periods.
Compared to Ledger's balance command, hledger's `balance` adds the
significant feature of multi-period reports.
By default, it displays all accounts,
and each account's change in balance during the entire period of the journal.
Balance changes are calculated by adding up the postings in each account.
You can limit the postings matched, by a [query](#queries), to see fewer accounts, changes over a different time period, changes from only cleared transactions, etc.
Note there are some easier variants of the `balance` command which
are more convenient for everyday financial reporting:
[`balancesheet`](#balancesheet),
[`balancesheetequity`](#balancesheetequity),
[`cashflow`](#cashflow) and
[`incomestatement`](#incomestatement).
But when you want most control, you can use `balance`.
It can show:
If you include an account's complete history of postings in the report,
the balance change is equivalent to the account's current ending balance.
For a real-world account, typically you won't have all transactions in the journal;
instead you'll have all transactions after a certain date, and an "opening balances"
transaction setting the correct starting balance on that date.
Then the balance command will show real-world account balances.
In some cases the -H/--historical flag is used to ensure this (more below).
- accounts as a flat list or a tree, optionally depth-limited (`-l`, `-t`, `-[1-9]`)
- a single time period or multiple periods (`-D`, `-W`, `-M`, `-Q`, `-Y`, `-p INTERVAL`)
- balance changes in each period (`--change`)
- actual and planned balance changes, and their relative percentage, in each period (`--budget`)
- accumulated totals at the end of each period (counting from report start) (`--cumulative`)
- historical end balances at the end of each period (assuming a suitable opening balances transaction) (`--historical`)
- totals, averages, percentages, inverted sign (`-T`, `-A`, `-%`, `--invert`)
- custom-formatted line items (in single-period reports) (`--format`)
- transposed data - swapping the rows and columns (in multi-period reports) (`--transpose`)
- pivoted data - using a different field as the "account name" (`--pivot FIELD`) (see [PIVOTING](#pivoting)
This command also supports the
[output destination](hledger.html#output-destination) and
[output format](hledger.html#output-format) options
The output formats supported are (in most modes):
`txt`, `csv`, `html`, and `json`.
This command supports the
[output destination](#output-destination) and
[output format](#output-format) options,
with output formats `txt`, `csv`, `json`, and (multi-period reports only:) `html`.
In `txt` output in a colour-supporting terminal, negative amounts are shown in red.
The balance command can produce several styles of report:
Here are some examples of `balance` reports and features.
<a name="classic-balance-report"></a>
### Single-period flat balance report
### Simple balance report
This is the default for hledger's balance command:
a flat list of all (or with a query, matched) accounts, showing full account names.
<!-- and their "exclusive" (subaccount-excluding) balances. -->
Accounts are sorted by [declaration order](https://hledger.org/hledger.html#declaring-accounts)
if any, and then by account name.
Accounts which have zero balance are not shown unless `-E/--empty` is used.
The reported balances' total is shown as the last line, unless disabled by `-N`/`--no-total`.
With no arguments, `balance` shows a list of all accounts and their
change of balance - ie, the sum of posting amounts, both inflows and
outflows - during the entire period of the journal.
For real-world accounts, this should also match their end balance
at the end of the journal period (more on this below).
Accounts are sorted by [declaration order](#declaring-accounts)
if any, and then alphabetically by account name.
For instance, using [examples/sample.journal](https://github.com/simonmichael/hledger/blob/master/examples/sample.journal):
```shell
$ hledger bal
@ -54,13 +65,47 @@ $ hledger bal
0
```
<a name="tree-mode"></a>
Accounts with a zero balance (and no non-zero subaccounts, in tree
mode - see below) are hidden by default. Use `-E/--empty` to show them
(revealing `assets:bank:checking` here):
### Single-period tree-mode balance report
```shell
$ hledger -f examples/sample.journal bal -E
0 assets:bank:checking
$1 assets:bank:saving
$-2 assets:cash
$1 expenses:food
$1 expenses:supplies
$-1 income:gifts
$-1 income:salary
$1 liabilities:debts
--------------------
0
```
With the `-t/--tree` flag, accounts are displayed hierarchically,
showing subaccounts as short names indented below their parent.
(This is the default style in Ledger and in older hledger versions.)
The total of the amounts displayed is shown as the last line, unless `-N`/`--no-total` is used.
### Filtered balance report
You can show fewer accounts, a different time period, totals from
cleared transactions only, etc. by using [query](#queries)
arguments or [options](#report-start--end-date) to limit
the postings being matched. Eg:
```shell
$ hledger bal --cleared assets date:200806
$-2 assets:cash
--------------------
$-2
```
### List or tree mode
By default, or with `-l/--flat`, accounts are shown as a flat list
with their full names visible, as in the examples above.
With `-t/--tree`, the account hierarchy is shown, with subaccounts'
"leaf" names indented below their parent:
```shell
$ hledger balance
@ -78,40 +123,55 @@ $ hledger balance
0
```
For more compact output, "boring" accounts containing a single
interesting subaccount and no balance of their own (`assets:bank` and
`liabilities` here) are elided into the following line, unless
`--no-elide` is used. And accounts which have zero balance and no
non-zero subaccounts are omitted, unless `-E/--empty` is used.
Notes:
Account balances in tree mode are "inclusive" - they include the
balances of any subaccounts. Eg, the `assets` `$-1` balance here
includes the `$1` from `assets:bank:saving` and the `$-2` from
`assets:cash`. (And it would include balance posted to the `assets`
account itself, if there was any). Note this causes some repetition,
and the final total (`0`) is the sum of the top-level balances, not of
all the balances shown.
- "Boring" accounts are combined with their subaccount for more
compact output, unless `--no-elide` is used. Boring accounts have no
balance of their own and just one subaccount (eg `assets:bank` and
`liabilities` above).
Each group of sibling accounts is sorted separately,
by [declaration order](https://hledger.org/hledger.html#declaring-accounts)
and then by account name.
- All balances shown are "inclusive", ie including the balances from
all subaccounts. Note this means some repetition in the output, which
requires explanation when sharing reports with
non-plaintextaccounting-users. A tree mode report's final total is the
sum of the top-level balances shown, not of all the balances shown.
- Each group of sibling accounts (ie, under a common parent) is sorted separately.
### Depth limiting
With a `depth:N` query, or `--depth N` option, or just `-N`,
balance reports will show accounts only to the specified depth,
hiding the deeper subaccounts.
Account balances at the depth limit always include the balances from
any hidden subaccounts (even in list mode).
This can be useful for getting an overview. Eg, limiting to depth 1:
```shell
$ hledger balance -N -1
$-1 assets
$2 expenses
$-2 income
$1 liabilities
```
You can also hide top-level account name parts, using `--drop N`.
This can be useful for hiding repetitive top-level account names:
```shell
$ hledger bal expenses --drop 1
$1 food
$1 supplies
--------------------
$2
```
### Multi-period balance report
Multi-period balance reports are a very useful hledger feature, activated
if you provide one of the
[reporting interval](#reporting-interval) flags, such as `-M`/`--monthly`.
They are similar to single-period balance reports, but they show the
report as a table, with columns representing one or more successive
time periods.
This is the usually the preferred style of balance report in hledger
(even for a single period).
Multi-period balance reports come in several types, showing different information:
1. A balance change report: by default, each column shows the sum of
postings in that period, ie the account's change of balance in that
period. This is useful eg for a monthly income statement:
With a [report interval](#report-intervals) (set by the `-D/--daily`,
`-W/--weekly`, `-M/--monthly`, `-Q/--quarterly`, `-Y/--yearly`, or
`-p/--period` flag), `balance` shows a tabular report, with columns
representing successive time periods (and a title):
```shell
$ hledger balance --quarterly income expenses -E
@ -128,9 +188,208 @@ Balance changes in 2008:
```
2. A cumulative end balance report: with `--cumulative`, each column
shows the end balance for that period, accumulating the changes across
periods, starting from 0 at the report start date:
Notes:
- The report's start/end dates will be expanded, if necessary, to fully
encompass the displayed subperiods (so that the first and last
subperiods have the same duration as the others).
- Leading and trailing periods (columns) containing all zeroes are not
shown, unless `-E/--empty` is used.
- Accounts (rows) containing all zeroes are not shown, unless
`-E/--empty` is used.
- Amounts with many commodities are shown in abbreviated form, unless
`--no-elide` is used. *(experimental)*
- Average and/or total columns can be added with the `-A/--average` and
`-T/--row-total` flags.
- The `--transpose` flag can be used to exchange rows and columns.
Multi-period reports with many periods can be too wide for easy viewing in the terminal.
Here are some ways to handle that:
- Hide the totals row with `-N/--no-total`
- Convert to a single currency with `-V`
- Maximize the terminal window
- Reduce the terminal's font size
- View with a pager like less, eg: `hledger bal -D --color=yes | less -RS`
- Output as CSV and use a CSV viewer like
[visidata] (`hledger bal -D -O csv | vd -f csv`),
Emacs' [csv-mode] (`M-x csv-mode, C-c C-a`),
or a spreadsheet (`hledger bal -D -o a.csv && open a.csv`)
- Output as HTML and view with a browser: `hledger bal -D -o a.html && open a.html`
[csv-mode]: https://elpa.gnu.org/packages/csv-mode.html
[visidata]: https://www.visidata.org
### Sorting by amount
With `-S/--sort-amount`, accounts with the largest (most positive) balances are shown first.
Eg: `hledger bal expenses -MAS` shows your biggest averaged monthly expenses first.
Revenues and liability balances are typically negative, however, so `-S` shows these in reverse order.
To work around this, you can add `--invert` to flip the signs.
(Or, use one of the higher-level reports, which flip the sign automatically. Eg: `hledger incomestatement -MAS`).
<a name="tree-mode"></a>
### Percentages
With `-%/--percent`, balance reports show each account's value
expressed as a percentage of the (column) total:
```shell
$ hledger bal expenses -Q -%
Balance changes in 2008:
|| 2008Q1 2008Q2 2008Q3 2008Q4
===================++=================================
expenses:food || 0 50.0 % 0 0
expenses:supplies || 0 50.0 % 0 0
-------------------++---------------------------------
|| 0 100.0 % 0 0
```
Note it is not useful to calculate percentages if the amounts in a
column have mixed signs. In this case, make a separate report for each
sign, eg:
```shell
$ hledger bal -% amt:`>0`
$ hledger bal -% amt:`<0`
```
Similarly, if the amounts in a column have mixed commodities, convert
them to one commodity with `-B`, `-V`, `-X` or `--value`, or make a
separate report for each commodity:
```shell
$ hledger bal -% cur:\\$
$ hledger bal -% cur:€
```
<a name="multicolumn-balance-report"></a>
### Balance change, end balance, historical end balance
It's important to be clear on the meaning of the numbers shown in
balance reports. Here is some terminology we use:
A ***balance change*** is the net amount added to, or removed from, an account during some period.
An ***end balance*** is the amount accumulated in an account as of some date
(and some time, but hledger doesn't model that; assume end of day in your timezone).
It is the sum of previous balance changes.
We call it a ***historical end balance*** if it includes all balance changes since the account was created.
For a real world account, this means it will match the "historical record",
eg the balances reported in your bank statements or bank web UI. (If they are correct!)
In general, balance changes are what you want to see when reviewing
revenues and expenses, and historical end balances are what you want
to see when reviewing or reconciling asset, liability and equity accounts.
As mentioned above, the default `balance` report shows balance changes.
To ensure that you see accurate historical end balances:
1. If the account's full lifetime is not recorded in the journal,
there should be an "opening balances" transaction (a transfer from
equity to the account) that initialises its balance on some date
(often the first day of a year).
2. The report should include all of the account's prior postings, eg
by leaving the [report start date](#report-start-end-date)
unspecified, or by using the `-H/--historical` flag, described
below.
### Balance report types
Fair warning: balance report modes can get confusing, so feel free to
just mimic the examples below, or just use the higher-level
bs/bse/cf/is commands.
For more flexible reporting, there are three important option groups:
`hledger balance [REPORTTYPE] [ACCUMULATIONTYPE] [VALUATIONTYPE] ...`
#### Report type
The general thing that is calculated/shown in each cell. It is one of:
- `--change` : show a sum of posting amounts (**default**)
- `--budget` : like --change but also show a budget goal amount
<!-- - `--valuechange` : show change of value of period-end historical balances -->
<!-- - `--gain` : show change of value of period-end historical balances caused by market price fluctuations -->
More report types are on the way.
#### Accumulation type
Which previous periods' postings should be included in calculations
(especially in multiperiod reports).
It is one of:
- `--periodic` : postings from column start to column end. Ie, show changes in each period. Typically used when reviewing revenues/expenses. (**default for balance, incomestatement**)
- `--cumulative` : postings from report start (specified by -b/--begin, eg) to column end. Ie, show changes since start of report. Rarely used.
- `--historical/-H` : postings from journal start to column end. Ie, show historical balance at end of each period. Typically used when reviewing assets/liabilities/equity. (**default for balancesheet, balancesheetequity, cashflow**)
#### Valuation type
Which kind of [valuation], [valuation date(s)] and optionally a target [valuation commodity] to use.
It is one of:
- no valuation, show amounts in their original commodities (**default**)
- `--value=cost[,COMM]` : no valuation, show amounts converted to cost
- `--value=then[,COMM]` : show value at transaction dates
- `--value=end[,COMM]` : show value at period end date(s)
- `--value=now[,COMM]` : show value at today's date
- `--value=YYYY-MM-DD[,COMM]` : show value at another date
or one of their aliases: [`--cost/-B`], [`--market/-V`] or [`--exchange/-X`].
[`--cost/-B`]: #-b-cost
[`--market/-V`]: #-v-value
[`--exchange/-X`]: #-x-value-in-specified-commodity
### Combining balance report options
Many but not all combinations of balance report options are useful.
Eg, `--row-total/-T` is disabled by `--cumulative` or `--historical`,
since summing already-summed end balances usually does not make sense.
Some important reports are:
- `bal revenues expenses` (`bal --periodic --change revenues expenses`)\
revenues/expenses in each period, an income statement / profit & loss report
- `bal -H assets liabilities` (`bal --historical --change assets liabilities`)\
historical asset/liability balances at end of each period, a simplified balance sheet
- `bal -H assets liabilities equity` (`bal --historical --change assets liabilities equity`)\
historical asset/liability/equity balances at end of each period, a full balance sheet
- `bal assets not:receivable` (`bal --periodic --change assets not:receivable`)\
liquid asset changes in each period, a cashflow report
Since these are so often used, they are also available as (enhanced) separate commands:\
- [`is`] (`incomestatement`)
- [`bs`] (`balancesheet`)
- [`bse`] (`balancesheetequity`)
- [`cf`] (`cashflow`)
[`is`]: #incomestatement
[`bs`]: #balancesheet
[`bse`]: #balancesheetequity
[`cf`]: #cashflow
Here is what the accumulation / valuation type combinations show:
| Valuation: ><br>Accumulation: v | no valuation | `--value= then` | `--value= end` | `--value= YYYY-MM-DD /now` |
|---------------------------------|------------------------------------------------------------------|--------------------------------------------------------------------|-------------------------------------------------------------|-------------------------------------------------------|
| `--periodic` | change in period | sum of posting-date market values in period | period-end value of change in period | DATE-value of change in period |
| `--cumulative` | change from report start to period end | sum of posting-date market values from report start to period end | period-end value of change from report start to period end | DATE-value of change from report start to period end |
| `--historical /-H` | change from journal start to period end (historical end balance) | sum of posting-date market values from journal start to period end | period-end value of change from journal start to period end | DATE-value of change from journal start to period end |
<!--
### Balance report examples
```shell
$ hledger balance --quarterly income expenses -E --cumulative
@ -146,14 +405,6 @@ periods, starting from 0 at the report start date:
|| $-1 0 0 0
```
3. A historical end balance report: with `--historical/-H`, each
column shows the actual historical end balance for that period,
accumulating the changes across periods, and including the balance
from any postings before the report start date. This is useful eg for
a multi-period balance sheet, and when you want to see balances only
after a certain date:
```shell
$ hledger balance ^assets ^liabilities --quarterly --historical --begin 2008/4/1
Ending balances (historical) in 2008/04/01-2008/12/31:
@ -168,192 +419,12 @@ after a certain date:
|| 0 0 0
```
Note that `--cumulative` or `--historical/-H` disable `--row-total/-T`,
since summing end balances generally does not make sense.
With a reporting interval (like `--quarterly` above), the report
start/end dates will be adjusted if necessary so that they encompass
the displayed report periods. This is so that the first and last
periods will be "full" and comparable to the others.
The `-E/--empty` flag does two things in multicolumn balance reports:
first, the report will show all columns within the specified report
period (without -E, leading and trailing columns with all zeroes are
not shown). Second, all accounts which existed at the report start
date will be considered, not just the ones with activity during the
report period (use -E to include low-activity accounts which would
otherwise would be omitted).
The `-T/--row-total` flag adds an additional column showing the total
for each row.
The `-A/--average` flag adds a column showing the average value in
each row.
Here's an example of all three:
```shell
$ hledger balance -Q income expenses --tree -ETA
Balance changes in 2008:
|| 2008q1 2008q2 2008q3 2008q4 Total Average
============++===================================================
expenses || 0 $2 0 0 $2 $1
food || 0 $1 0 0 $1 0
supplies || 0 $1 0 0 $1 0
income || $-1 $-1 0 0 $-2 $-1
gifts || 0 $-1 0 0 $-1 0
salary || $-1 0 0 0 $-1 0
------------++---------------------------------------------------
|| $-1 $1 0 0 0 0
(Average is rounded to the dollar here since all journal amounts are)
```
The `--transpose` flag can be used to exchange the rows and columns of
a multicolumn report.
When showing multicommodity amounts, multicolumn balance reports will
elide any amounts which have more than two commodities, since
otherwise columns could get very wide. The `--no-elide` flag disables
this. Hiding totals with the `-N/--no-total` flag can also help reduce
the width of multicommodity reports.
When the report is still too wide, a good workaround is to pipe it
into `less -RS` (-R for colour, -S to chop long lines).
Eg: `hledger bal -D --color=yes | less -RS`.
### Depth limiting
With a `depth:N` query, or `--depth N` option, or just `-N`,
balance reports will show accounts only to the specified depth.
This is very useful to hide low-level accounts and get an overview.
Eg, limiting to depth 1 shows the top-level accounts:
```shell
$ hledger balance -N -1
$-1 assets
$2 expenses
$-2 income
$1 liabilities
```
Accounts at the depth limit will include the balances of any hidden subaccounts
(even in flat mode, which normally shows exclusive balances).
You can also drop account name components from the start of account names,
using `--drop N`. This can be useful to hide unwanted top-level detail.
### Colour support
In terminal output, when colour is enabled, the balance command shows negative amounts in red.
### Sorting by amount
With `-S`/`--sort-amount`, accounts with the largest (most positive) balances are shown first.
For example, `hledger bal expenses -MAS` shows your biggest averaged monthly expenses first.
Revenues and liability balances are typically negative, however, so `-S` shows these in reverse order.
To work around this, you can add `--invert` to flip the signs.
Or, use one of the sign-flipping reports like `balancesheet` or `incomestatement`,
which also support `-S`. Eg: `hledger is -MAS`.
### Percentages
With `-%` or `--percent`, balance reports show each account's value expressed
as a percentage of the column's total. This is useful to get an overview of
the relative sizes of account balances. For example to obtain an overview of
expenses:
```shell
$ hledger balance expenses -%
100.0 % expenses
50.0 % food
50.0 % supplies
--------------------
100.0 %
```
Note that `--tree` does not have an effect on `-%`. The percentages are always
relative to the total sum of each column, they are never relative to the parent
account.
Since the percentages are relative to the columns sum, it is usually not useful
to calculate percentages if the signs of the amounts are mixed. Although the
results are technically correct, they are most likely useless. Especially in
a balance report that sums up to zero (eg `hledger balance -B`) all percentage
values will be zero.
This flag does not work if the report contains any mixed commodity accounts. If
there are mixed commodity accounts in the report be sure to use `-V`
or `-B` to coerce the report into using a single commodity.
<a name="multicolumn-balance-report"></a>
### Customising single-period balance reports
You can customise the layout of single-period balance reports with `--format FMT`,
which sets the format of each line. Eg:
```shell
$ hledger balance --format "%20(account) %12(total)"
assets $-1
bank:saving $1
cash $-2
expenses $2
food $1
supplies $1
income $-2
gifts $-1
salary $-1
liabilities:debts $1
---------------------------------
0
```
The FMT format string (plus a newline) specifies the formatting
applied to each account/balance pair. It may contain any suitable
text, with data fields interpolated like so:
`%[MIN][.MAX](FIELDNAME)`
- MIN pads with spaces to at least this width (optional)
- MAX truncates at this width (optional)
- FIELDNAME must be enclosed in parentheses, and can be one of:
- `depth_spacer` - a number of spaces equal to the account's depth, or if MIN is specified, MIN * depth spaces.
- `account` - the account's name
- `total` - the account's balance/posted total, right justified
Also, FMT can begin with an optional prefix to control how
multi-commodity amounts are rendered:
- `%_` - render on multiple lines, bottom-aligned (the default)
- `%^` - render on multiple lines, top-aligned
- `%,` - render on one line, comma-separated
There are some quirks. Eg in one-line mode, `%(depth_spacer)` has no
effect, instead `%(account)` has indentation built in.
<!-- XXX retest:
Consistent column widths are not well enforced, causing ragged edges unless you set suitable widths.
Beware of specifying a maximum width; it will clip account names and amounts that are too wide, with no visible indication.
-->
Experimentation may be needed to get pleasing results.
Some example formats:
- `%(total)` - the account's total
- `%-20.20(account)` - the account's name, left justified, padded to 20 characters and clipped at 20 characters
- `%,%-50(account) %25(total)` - account name padded to 50 characters, total padded to 20 characters, with multiple commodities rendered on one line
- `%20(total) %2(depth_spacer)%-(account)` - the default format for the single-column balance report
### Budget report
There is also a special balance report mode for showing budget performance.
The `--budget` flag activates extra columns showing the budget goals for each account and period, if any.
For this report, budget goals are defined by [periodic transactions](journal.html#periodic-transactions).
The `--budget` report type activates extra columns showing any budget goals for each account and period.
The budget goals are defined by [periodic transactions](journal.html#periodic-transactions).
This is very useful for comparing planned and actual income, expenses, time usage, etc.
For example, you can take average monthly expenses in the common expense categories to construct a minimal monthly budget:
@ -410,10 +481,10 @@ This is different from a normal balance report in several ways:
budget goal amounts are shown, and the actual/goal percentage.
(Note: budget goals should be in the same commodity as the actual amount.)
- All parent accounts are always shown, even in flat mode.
- All parent accounts are always shown, even in list mode.
Eg assets, assets:bank, and expenses above.
- Amounts always include all subaccounts, budgeted or unbudgeted, even in flat mode.
- Amounts always include all subaccounts, budgeted or unbudgeted, even in list mode.
This means that the numbers displayed will not always add up!
Eg above, the `expenses` actual amount includes the gifts and supplies transactions,
@ -589,3 +660,64 @@ Budget performance in 2019/01:
|| 0 [ 0]
```
### Customising single-period balance reports
For single-period balance reports displayed in the terminal (only),
you can use `--format FMT` to customise the format and content of each
line. Eg:
```shell
$ hledger balance --format "%20(account) %12(total)"
assets $-1
bank:saving $1
cash $-2
expenses $2
food $1
supplies $1
income $-2
gifts $-1
salary $-1
liabilities:debts $1
---------------------------------
0
```
The FMT format string (plus a newline) specifies the formatting
applied to each account/balance pair. It may contain any suitable
text, with data fields interpolated like so:
`%[MIN][.MAX](FIELDNAME)`
- MIN pads with spaces to at least this width (optional)
- MAX truncates at this width (optional)
- FIELDNAME must be enclosed in parentheses, and can be one of:
- `depth_spacer` - a number of spaces equal to the account's depth, or if MIN is specified, MIN * depth spaces.
- `account` - the account's name
- `total` - the account's balance/posted total, right justified
Also, FMT can begin with an optional prefix to control how
multi-commodity amounts are rendered:
- `%_` - render on multiple lines, bottom-aligned (the default)
- `%^` - render on multiple lines, top-aligned
- `%,` - render on one line, comma-separated
There are some quirks. Eg in one-line mode, `%(depth_spacer)` has no
effect, instead `%(account)` has indentation built in.
<!-- XXX retest:
Consistent column widths are not well enforced, causing ragged edges unless you set suitable widths.
Beware of specifying a maximum width; it will clip account names and amounts that are too wide, with no visible indication.
-->
Experimentation may be needed to get pleasing results.
Some example formats:
- `%(total)` - the account's total
- `%-20.20(account)` - the account's name, left justified, padded to 20 characters and clipped at 20 characters
- `%,%-50(account) %25(total)` - account name padded to 50 characters, total padded to 20 characters, with multiple commodities rendered on one line
- `%20(total) %2(depth_spacer)%-(account)` - the default format for the single-column balance report
[valuation]: #valuation
[valuation date(s)]: #valuation-date
[valuation commodity]: #valuation-commodity