Management Walkthrough

Cash Flow

See exactly where your money comes from and where it goes—month by month, category by category.

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Overview

What is Cash Flow?

The Cash Flow page shows your income vs expenses over time with monthly breakdowns. Two views give you different perspectives: the Table view lays out month-by-month columns with income at the top and expense categories below, while the Sankey view renders a flow diagram for a single month — income on the left, branching by category group and individual category, recombining into Spent / Saved / Unallocated on the right.

Projected months (based on recurring transactions and budget data) appear with dashed borders so you can distinguish forecasts from actuals. Click any month's bar to jump straight to the Calendar view for a day-by-day breakdown.

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Step by Step

Step-by-Step Guide

1. Open Cash Flow

Navigate to Management → Cash Flow. KPI cards at the top show net income, total expenses, and savings rate for the selected period.

2. Read the Table

Each column is a month. Income appears at the top, expense categories below. Net cash flow at the bottom shows whether you ended the month positive or negative.

3. Switch to Sankey View

Click the Sankey tab to see a single month's flow as a diagram. Income on the left, branching by group (Fixed, Variable, Discretionary, Growth, Sinking Funds) and individual categories, recombining into Spent / Saved / Unallocated. Ribbon thickness = dollars. Useful for the "where did the money go?" question.

4. Use Projections

Future months are projected from your recurring transactions and budget allocations. Dashed borders distinguish projections from actual data, so you always know what's real vs forecast.

5. Drill Into a Month

Click any month's bar in the chart to navigate to the Calendar view for that month, where you can see individual transactions day by day.

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Pro Tips

Pro Tips

  • Confirm your recurring transactions: Navigate to Management → Recurring and confirm detected patterns. Unconfirmed patterns won't appear in projections, so your forecasts will be less accurate.
  • Compare months in Sankey: Use the month chips above the Sankey to flip between months. Categories that grow noticeably bigger month over month are worth investigating — the flow chart makes proportional shifts obvious in a way a table can't.
  • Compare projections to actuals: When a projected month becomes an actual month, compare the two. If they're consistently off, your recurring transaction list may need updating.

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