Understanding your finances
Cash flow
Understand whether income covers spending for the selected period.
What is this?
Cash flow compares received income and reported spending in the same period.
What do you see?
You see income, spending, financial result and savings rate, plus comparison with previous periods when enough history exists.
What can you do?
Check the period and open spending if the result is negative or spending is unusually high.
What does the result mean?
A positive result means reported income is above spending. A negative result shows a shortfall for the period but does not explain the cause by itself.
What are other net movements?
This is the difference between the change across tracked accounts and income minus spending. It may include transfers to or from an untracked account, depending on how they are recorded. Categorization matters, not just the description: a receipt recorded as Income → Gift contributes to income and is not excluded as another movement.
Finance Ledger presents insights based on entered data and does not provide investment, credit or tax advice.