Cash Flow

The Cash Flow report tracks money moving in and out of your on-budget accounts over time. Use the Breakdown tab for a detailed chart and monthly history, or the Sankey tab to visualize the complete journey of your money.

---

Breakdown

The default view when you open Cash Flow. Three summary cards give you an instant read on your cash position, followed by a chart and a monthly history sidebar.

Cumulative Cash Flow

Shows the net result of all money moving in and out over the selected time range:

• Inflows − Outflows = Discretionary Cash Flow — how much money you kept after spending
• Investment Inflows − Investment Outflows = Net Invested — the net amount deployed into investments

Liquidity

Shows how long your current budget account balances could sustain your current spending pace:

Budget account balance ÷ Average monthly expenses = X months remaining

This is your financial runway — a quick way to gauge whether your cash cushion is comfortable or thin.

Time in Account (TIA)

A gauge showing the average number of days money sits in your budget accounts before being spent. Finzen uses the FIFO (first in, first out) method — the oldest funds are matched to outflows first, and the weighted average age across all matched dollars gives you your TIA.

Range	Zone	What it means
0–14 days	Fast	Money flows out almost as quickly as it comes in
14–30 days	Thin	Some buffer, but not much — build more cushion
30–120 days	Healthy	A solid buffer — keep steady
120–240 days	Idle	Cash is sitting longer than necessary — consider investing
240+ days	Stale	Excess capital — put it to work

How TIA is calculated

Each inflow is stored as a dated lot. When you spend, outflows are matched against the oldest lots first (FIFO). TIA is the weighted average number of days each dollar sat in the account before being spent — computed across all your transaction history, regardless of the selected time range.

The Chart

A bar chart shows inflows and outflows for every period in the selected range. A zero line runs across the middle:

• Blue bars above zero — inflows
• Red bars below zero — outflows

The time range selector controls this chart, the Cumulative Cash Flow card, and the sidebar averages:

Range	What you see
1 Month	Every day of the current month
Latest 3 Months	The current month and the two prior months
1 Year	Each calendar month as a pair of bars
Max	Every month since you started tracking

Daily inflows (blue, above zero) and outflows (red, below zero), with the monthly history sidebar on the right.

Sidebar

The sidebar to the right of the chart shows averages and a full monthly history.

Averages at the top of the sidebar are calculated across the selected time range. The method varies by range:

• 1 Month — daily averages across all days from your first transaction through today. The sidebar shows your total net income for the month rather than a monthly average.
• Latest 3 Months, 1 Year, Max — monthly averages. The current (in-progress) month is projected using a run-rate: spent so far × (days in month ÷ days elapsed). That projected value is included alongside completed months to compute the average.

The three values shown:

• Avg Monthly Income — average inflows per month
• Avg Monthly Expenses — average outflows per month (excludes investment outflows)
• Avg Discretionary Income — Avg Income minus Avg Expenses

Early data

Because the current month is always projected and early months may have limited transactions, averages can shift noticeably when you first start tracking. They stabilize as more months of data accumulate.

Monthly history below the averages lists each month with:

• Total inflows
• Total outflows
• Discretionary income — with a green arrow if better than the previous month, or a red arrow if worse

---

Sankey

The Sankey tab visualizes the full journey of your money — from where it came in, through every category and subcategory, all the way down to individual tags.

The diagram flows left to right:

Inflow sources → Categories → Subcategories → Tags

Each band's width is proportional to the amount it represents, so you can immediately see which income sources are largest and which spending categories consume the most.

The Sankey maps the complete path of your money — income in, spending out, down to the tag level.

Mobile

On smaller screens, the Sankey is simplified — tags may be hidden depending on available space.

Time ranges

Option	Period covered
This Month	Current calendar month
Last Month	Previous calendar month
Latest 3 Months	The current month and the two prior months
This Year	January through today
Last Year	The previous full year
All Dates	Everything since you started tracking

Follow the flow

Most people know roughly how much they earn and spend. The Sankey makes the path visible — you can see at a glance whether your discretionary income is flowing toward intentional goals, or quietly disappearing into small, repeated expenses.