Mathematical explanations are poorly understood. Although mathematicians seem to regularly suggest that some proofs are explanatory whereas others are not, none of the philosophical accounts of what such claims mean has become widely accepted. In this paper we explore Wilkenfeld's (Synthese 191:3367-3391, 2014) suggestion that explanations are those sorts of things that (in the right circumstances, and in the right manner) generate understanding. By considering a basic model of human cognitive architecture, we suggest that existing accounts of mathematical explanation are all derivable consequences of Wilkenfeld's 'functional explanation' proposal. We therefore argue that the explanatory criteria offered by earlier accounts can all be thought of as features that make it more likely that a mathematical proof will generate understanding. On the functional account, features such as characterising properties, unification, and salience correlate with explanatoriness, but they do not define explanatoriness. Keywords Explanation • Mathematics • Mathematical practice • Understanding What are mathematical explanations? This question has generated substantial interest among philosophers. A number of competing accounts of mathematical explanation have been proposed (e.g., Kitcher 1981; Lange 2014; Steiner 1978), but all have wellestablished limitations. Our primary goal in this paper is to explore the consequences for mathematics of Wilkenfeld's (2014) notion of functional explanation. Roughly speaking, Wilkenfeld suggested that explanations are simply those things that, in an appropriate manner and at an appropriate time, generate understanding. We will argue that various philosophical accounts of mathematical explanation-including those offered by Steiner (1978), Kitcher (1981), and Lange (2014)-are all derivable consequences of a combination of Wilkenfeld's functional account and a modern understanding of human cognitive architecture. Consequently, we argue that Wilken-B Matthew Inglis