Cash flow

Income vs expenses, month over month. The cleanest view of whether you actually saved money, or whether you just thought you did.

What the chart shows

• Green bars: income (paychecks, refunds, transfers in).
• Red bars: expenses (everything that counts toward a budget category, excluding internal transfers).
• Blue line: net savings (income minus expenses) for that month.

A blue line above zero means you saved that month. Below zero means you dipped into savings or took on debt.

Time ranges

The selector in the top-right of the card lets you switch between:

• 6M: last six months. The dashboard default.
• 1Y: last twelve. Best for spotting seasonal patterns.
• YTD: Jan 1 of the current year through today.
• All time: everything we have on file.

What counts as income vs expense

Income is anything in a category we recognize as inbound: Salary, Paycheck, Income, Refund, Freelance, Interest, Transfer (positive). Expense is anything else with a positive amount. Excluded transactions (see Transactions) and uncategorized transfers between your own accounts are filtered out.

The Savings Coach agent

The Savings Coach agent keeps an eye on your cash-flow trajectory. It nudges when:

• Your 3-month rolling savings rate drops by more than 30%.
• You have your first negative month after a streak of positive ones.
• You hit a personal best for monthly savings.

Drilling deeper

Click any month bar in the dedicated Cash Flow page to see the income and expense breakdowns by category for that month. Useful for diagnosing why a month was unusually good or bad.