Reading the cashflow dashboard

The Cashflow page in the sidebar is the top-level view of your household's financial picture — one row per month, with totals rolled up across every account. This page explains what each column means and how the projection works.

The rows

From top to bottom:

• Prior-year rows — one row per calendar year you have data for, labeled 2024 Total, 2023 Total, etc.
• Current year — labeled 2026 Year to Date, showing totals from January 1 of the current year up to today.
• Monthly rows — one row per month, newest first. Each row's Start and End columns show the month boundaries (e.g., 2026-03-01 to 2026-03-31).

Summary rows (year totals and YTD) are styled differently from the detail rows so you can spot them quickly.

The columns

• Start — the first day of the month (or a label like 2026 Year to Date).
• End — the last day of the month. Blank on summary rows.
• Income — total income for the row's window. Sums every transaction categorized as Income type, plus any uncategorized positive-amount transactions.
• Investments — total Investment-type transactions for the window.
• Expenses — total Expense-type transactions for the window.
• Net Worth — the household's net worth at the end of the row's window. Calculated as the sum of all account balances (credit-card balances are negative).
• Cashflow — the net change in net worth across the window — i.e., Income + Investments + Expenses (remembering expenses are negative). Positive Cashflow means net worth grew that month.
• Projected — for future months, the projected Cashflow based on your reminders. See the next section. Blank for past months.

Color coding

Negative numbers in Income, Investments, Expenses, Net Worth, Cashflow, or Projected are styled with a "negative" color so they stand out. That makes it easy to scan for unusual rows — a negative Income row, for example, usually means you logged a refund or a reversal.

How Projected is calculated

For future months (the next month forward through a rolling window), the Projected column sums the reminders that are scheduled to fire in that month and adds them to the expected starting balance. Specifically:

• Each reminder's scheduled occurrences in the window contribute its Amount.
• Linked-account reminders contribute the projected balance of their linked credit card instead of the reminder's fixed amount.
• The projection assumes only reminded activity happens. Variable spending (groceries, gas, one-offs) isn't modeled at the Cashflow-dashboard level, so Projected is a best-case view of cash moves with no surprises.

That last point is worth repeating: the Projected number represents what would happen if only your reminders occurred. If you typically spend another $800/month on unreminded things, that won't be in the number. A realistic "minimum" of your actual cashflow is Projected − (your typical variable spending).

When Projected is blank

• For past months (where Cashflow already holds the real answer).
• When you have no reminders — without reminders, there's nothing to project from, so Projected stays blank even for future months.

See The Forecast tab for a per-account view that zooms in on daily balance projection rather than monthly totals.