The Monthly cashflow information on the Workspace dashboard shows how money moved during the selected reporting period. The top summary card highlights net cashflow and the change from the previous period, while the Detailed cashflow card breaks the result into income, expenses, budgets and categories.
Worthic calculates:
Net cashflow = Income − Expenses
The Savings rate is net cashflow divided by income. A positive result means income exceeded expenses; a negative result means expenses exceeded income.
Cashflow is based on recorded transactions, not account balances. It therefore explains money received and spent during a period, while the Net worth cards show the value of assets and liabilities at a point in time.
Aggregated or separated cashflows
Use the Included reporting lines selector on the Workspace dashboard to choose which permitted Personal, Business or Real Estate lines contribute to Monthly cashflow. Selecting or clearing a line recalculates the statement’s income, expenses, net cashflow, savings rate, budgets, planned one-offs, category rows and transaction drill-downs using only the included lines.
This lets you view the whole permitted workspace or isolate selected activities—for example, household cashflow without a business or rental property. The selector cannot grant additional access: users can include or exclude only reporting lines already within their permission scope.
On Overview or Money, tap View monthly cashflow. Use Included reporting lines to select one or several lines.
Reporting periods
Monthly cashflow follows the workspace’s reporting-period setting:
- Calendar month: from the first to the last day of the month.
- Custom monthly cycle: from the workspace’s selected start day to the day before that date in the following month—for example, 25 June to 24 July.
The card shows the exact period or month being viewed. Use the previous and next controls to move through available reporting periods, beginning with the earliest cashflow transaction in scope.
If the current period contains no cashflow transactions but the previous period does, Worthic initially displays the previous populated period rather than an empty statement.
Transactions are included in a reporting period using their effective Cashflow date. For an imported transaction, this is the optional Cashflow date when one is set, otherwise the immutable Ledger date. For a manual transaction, it is the normal Date, relabelled Cashflow date when an Accrual date is present. An Accrual date does not move a transaction between Monthly cashflow periods.
On mobile, select Reporting period at the top of Monthly cashflow.
What is included
Worthic includes permitted, non-investment cashflow transactions linked to the reporting lines and accounts in the user’s dashboard scope. Transaction amounts in other currencies are converted into the workspace reporting currency using the effective Cashflow date.
Transactions are grouped first by reporting line and then by their Worthic category. When no recognised category is available, the amount appears under Uncategorized.
Direct investment-account activity is excluded from ordinary dashboard cashflow so that investment purchases, sales and portfolio movements are not mistaken for normal income or spending. Transfers are identified separately and can be shown when needed.
Users with limited reporting-line access can use Monthly cashflow, but they see only transactions, budgets and totals for the reporting lines and accounts within their permitted scope.
Reading the Detailed cashflow card
The default statement contains:
- Income: money received during the period.
- Expenses: money spent during the period.
- Actual: the transaction total recorded for that category.
- Budget: the applicable recurring budget and planned one-offs.
- Difference: performance against the budget.
- Net cashflow: total income less total expenses.
- Savings rate: the percentage of income retained.
For income, receiving more than budget is a favourable difference. For expenses, spending less than budget is favourable. Where no budget exists, Worthic displays the budget as pending rather than inventing a comparison.
Select the view icon to open the expanded statement. The expanded view groups the figures by reporting line, making it clear which Personal, Business or Real Estate line contributed each amount. On smaller screens, Worthic prompts you to use landscape orientation for the full statement.
Mobile app — The statement sits below the Income, Expenses and Net cashflow cards. Scroll down to see category totals and budgets.
Reviewing the underlying transactions
In the expanded statement, select an Actual amount for an income or expense category to view the transactions behind it. The drill-down shows each transaction’s:
- Description
- Date
- Account
- Amount
Select a transaction to open its detail, where you can review or edit the underlying record if you have the necessary permission. Changes to a transaction will flow back into the dashboard calculations.
This drill-down is useful when a category total looks unexpected, particularly when reviewing uncategorized transactions, duplicate imports or transactions assigned to the wrong reporting line.
On mobile, tap a subcategory to expand its contributing transactions. Tap a transaction to open it. Opening another subcategory collapses the first.
Budgets and planned one-offs
Monthly cashflow overlays saved budgets on the actual transaction data. Worthic applies each recurring budget according to its monthly, quarterly or yearly period, allocation method, start date and auto-adjustment settings. Planned one-offs are added to the months in which they are scheduled.
In the expanded desktop view, select a category’s Budget amount to set or edit its recurring budget without leaving the dashboard. You can choose the amount, period, allocation and automatic adjustment settings. Saving updates the underlying workspace budget; it does not create or alter transactions.
On mobile, tap the pencil beside the budget below a subcategory, enter the amount, review the months and save. Saving requires workspace editing permission.
Transfers
Turn on Include transfers to show transactions classified as transfers, including inter-account or inter-entity movements.
Transfers are displayed in their own section and do not form part of the standard Income, Expenses, Net cashflow or Savings rate calculations. When transfers are included, Worthic can also show the resulting net movement including transfers.
This separation prevents moving money between your own accounts from being counted as new income or spending. Transfers do not have budget or variance figures in the statement.
On mobile, use Include transfers immediately above the statement.
Mortgage and loan cashflow
Mortgage and loan payments use either the bank transaction or the liability ledger as their cashflow source, depending on the financing selection. This prevents the same payment being counted twice. If a bank payment is set to use a transaction-tracked liability account, its cashflow depends on the repayment being recorded in that liability ledger.
Loan advances contribute cashflow from the bank side only. Personal extra payments and advances are treated as transfers, so use Include transfers to see them. Business and Real Estate reporting uses the applicable financing classifications. Payment cashflow is separate from profit-and-loss treatment, where interest, fees, and penalties provide the financing-cost detail rather than the principal repayment.
See Mortgage and loan transactions for source selection, payment breakdowns, matching, and handling accounts with different historical coverage.
Savings-rate history
Select the Savings rate graph icon at the bottom of the card to open the historical view. The chart compares the savings rate across available reporting periods, including negative periods where expenses exceeded income.
The history uses the same scoped transactions and reporting-period settings as the statement. Correct categorization is important: amounts incorrectly treated as income, expenses or transfers can materially change the savings rate.
On mobile, tap View monthly cashflow on Overview. Scroll to Savings rate and tap the diagonal arrow. Swipe through the chart and tap a bar to see that month. Use the retirement contributions checkbox to change the calculation.
Comparing with the previous period
The Monthly cashflow summary compares the current net cashflow with the immediately preceding reporting period. This is an absolute change in net cashflow, not a percentage change.
A higher result means the current period retained more cash than the previous one; a lower result means cashflow weakened. The comparison does not explain the reason by itself, so use the detailed categories and transaction drill-downs to identify the contributing changes.
On mobile, switch Reporting period to inspect another period. Use the web comparison controls for a side-by-side view.
Exporting cashflow
Use the CSV or PDF actions on the Detailed cashflow card to generate a Cashflow report for the selected period and visible reporting scope. You can also request a PDF cashflow report from your AI assistant.
The export includes the reporting period, included reporting lines, total income, total expenses, net cashflow, savings rate and category-level actual, budget and difference figures. If Include transfers is enabled, the transfer section is included as well.
Worthic saves the generated report as a document and opens the resulting artifact. CSV is suited to further analysis, while PDF provides a formatted statement for review or recordkeeping.
On mobile, in Worthic AI, request a monthly cashflow report and specify the period and reporting lines. Open the returned file, or use the web statement export controls.
Improving cashflow accuracy
For a more reliable statement:
- Import or record all transactions for the period.
- Resolve uncategorized transactions.
- Check that accounts and transactions are linked to the correct reporting lines.
- Mark genuine internal movements as transfers.
- Maintain recurring budgets and planned one-offs.
- Review foreign-currency transaction dates and currencies.
- Correct the original transaction rather than trying to adjust the dashboard total.