Skip to main content

Cash Flow

TL;DR​

The Cash Flow tab tracks your money coming in and going out across time horizons (1W, 1M, 3M, YTD, 1Y). The top card shows net income and directional momentum compared to your prior period. The bottom card breaks down cash movement into spending or income with stacked period trends and ranked envelope lists.

Where to find it: Cash Flow tab in the main shell navigation

Net income card​

The first card displays your bottom line:

  1. Net income headline: Total income minus total spend over the selected horizon. A green number indicates surplus; red indicates deficit.
  2. Directional momentum badge: Shows percentage change relative to the equivalent prior comparison period. A green badge indicates positive momentum (net income higher than prior period).
  3. Comparison caption: Compares current net income directly with prior period net income.
  4. Bidirectional bar chart: Renders green bars above zero for surplus periods and red bars below zero for deficit periods, with a dashed gray reference line marking the prior period trend.
  5. Summary bridge: Displays total income and total spend side by side at the bottom of the card.

This card is unlocked for every tier (Free, Plus, and Pro).

Cash movement card​

The second card explores where money flowed:

  • Movement toggle: Switch between Spend and Income views.
  • Stacked period chart: Displays stacked bars for each period slice, colored using envelope identity palette hues.
  • Ranked envelope breakdown: Lists envelopes ordered by total volume. The top-ranked envelope receives a prominent tinted highlight container. Smaller categories with under 5% of total movement consolidate into an "All other" group.

Note: Cash movement breakdown is a Plus feature. Free accounts see the chart silhouette and can upgrade to inspect full breakdowns.

Time horizon dock and settings​

The floating capsule dock at the bottom lets you customize the view:

  • Period selector: Switch between 1W (1 week), 1M (1 month), 3M (3 months), YTD (Year to date), and 1Y (1 year). Period switching is available on all tiers.
  • Settings action: Tap the gear button on the right to open Cash Flow Settings:
    • Exclude transfers: Omit account transfers and balance adjustments so they do not inflate cash flow numbers.
    • Include pending transactions: Count uncleared transactions in current totals.
    • Include excluded envelopes: Include activity from envelopes marked as excluded from budget calculations.