Cashflow feature overview

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Cashflow is all of the money coming in (income) minus all the money going out (expenses). What's left over at the end of each month is your cashflow.

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Use it to look ahead and forecast upcoming income and expenses so you don't leave yourself short. You can view each month for 12 months into the future.

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1. A quick summary

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Most of your forecasted income and expenses populate from your budget. You can amend those values, delete them, or add extra one-offs if you need them.

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Savings in cashflow is leftover plus money you've marked as a savings category. Money you put away does not count as spending here. Read How savings categories work.

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2. Actual and forecasted

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Use the toggle to switch views:

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• Actual - historic income and expenses
• Forecasted - upcoming months based on your cashflow forecast, which mostly comes from your budget

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3. Summary and breakdown

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Each month shows income, expenses, and savings. Open the breakdown for the full split. Use the green date range to change the period you're looking at.

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When you're on actual cashflow, tap income or spend in the breakdown to see the transactions for that period.

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Cashflow leftover is income minus real expenses. Savings transfers are not treated as spending here, so leftover can look higher than what is safe to spend. Check the budget breakdown if you want leftover after savings.

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4. Edit your cashflow

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Tap Edit your cashflow at the top. You'll see your income and expense lines. Most of these come from your budgets. Tap the edit icon to change one, or tap + to add a line that isn't in your budget.

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For the full how-to, read How to add & edit cashflow income or How to add & edit cashflow expenses.

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5. Delete an income or expense

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Open the item and tap the bin icon in the top right, then confirm.

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6. Cashflow balance

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We subtract expenses from income to get your cashflow balance. If you have money left over, that's what you're expecting to save that month, plus any amounts marked as a savings category.

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Use the arrows at the top to move between months.

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You're all ready to go 🎉

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Woohoo! You now have a full overview of cashflow. If you run into any issues, feel free to get in touch with us at hello@budgetbuddie.co.nz

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