Personal Cashflow

Help & Guide

Mirrors the Help section inside the app. Tap any topic to expand.

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📊 Dashboard
  1. View your financial overview at a glance.
  2. Account balance card shows balances for selected accounts.
  3. Tap any account balance to edit it directly from the dashboard.
  4. Select multiple accounts in Dashboard Settings to display multiple balances.
  5. Cashflow preview chart displays projected balance with highest, lowest, and negative balance markers.
  6. Upcoming occurrences lists your next bills and deposits.
  7. Tap the menu (⋯) on any upcoming transaction to process, modify, skip, or delete.
  8. Upcoming Bills and Deposits shows your next 5 by default — change it to 10, 15 or 20 in Dashboard Settings, and tap Show All to expand the card to everything coming up.
  9. Net Monthly shows the difference between deposits and bills (includes transfers).
  10. Monthly Deposits and Bills summary cards.
  11. Savings Rate calculates your savings percentage.
  12. Spending by Category pie chart visualizes expenses.
  13. Tap the ellipsis (⋯) on the pie chart card to generate financial reports.
  14. Top Spending Categories shows monthly totals and spending progress.
  15. Tap “Show All” to expand and see all categories, or “Show Less” to collapse.
  16. Tap any category to view detailed breakdown with recurring bills and this month’s transactions.
  17. Tap the sliders icon to customize which sections are visible.
  18. In Dashboard Settings, customize chart annotations (Highest, Lowest, Negative Balance) under Cashflow Preview.
  19. In Dashboard Settings, drag sections to reorder them on your dashboard.
  20. Each settings section is displayed in its own card for easy navigation.
  21. Use the document icon to access financial reports from any screen.
  22. Tap the green + button to add a Quick Transaction; press and hold it to choose a Recurring Transaction instead.
  23. Open Settings (accounts, categories, theme, sync) from the gear icon in the navigation bar.
💳 Accounts
  1. Create multiple accounts (e.g., Savings, Bills, Checking).
  2. Each account maintains its own balance.
  3. Set a favorite account as the default for new transactions.
  4. Assign transactions to specific accounts.
  5. View and edit account balances directly from the dashboard.
  6. Tap any account balance on the dashboard to edit it.
  7. Select multiple accounts in Dashboard Settings to show multiple balances.
  8. Manage accounts in Settings → Accounts.
  9. Edit account names and balances anytime.
  10. Only one account can be set as favorite at a time.
🏷️ Categories
  1. Create custom categories for better organization.
  2. Categories can be for expenses, income, or both.
  3. Each category has a unique color for easy identification.
  4. Give a category an emoji icon: Settings → Categories → pencil → Icon. It shows next to the category everywhere, in place of the color dot.
  5. Categories are displayed in alphabetical order when selecting.
  6. Assign categories to transactions when adding or editing.
  7. View category breakdown pie chart on the Dashboard.
  8. Top Spending Categories shows monthly budgets and spending progress.
  9. Tap “Show All” to see all categories or “Show Less” to collapse.
  10. Tap any category to view detailed breakdown.
  11. Category detail shows recurring bills assigned to that category.
  12. Category detail shows this month’s processed transactions.
  13. Progress bar shows how much of the monthly budget has been spent.
  14. Manage categories in Settings → Categories.
🔁 Transactions
  1. Tap the green + button to add a Quick Transaction; press and hold it for a Recurring Transaction.
  2. On iPhone the + button floats in the center of the tab bar; on iPad it sits in the toolbar.
  3. Quick Transaction: a fast, compact sheet — the amount field is ready for input the moment it opens.
  4. Quick Transaction: records a one-time transaction on the date you pick. Today or an earlier date is recorded straight away; a future date is scheduled for that day and waits in Bills until you process it.
  5. Recurring Transaction: Set up repeating bills, deposits, or transfers.
  6. Add bills, deposits, or transfers.
  7. Bills subtract from account balance.
  8. Deposits add to account balance.
  9. Transfers move money between accounts.
  10. Set up recurring transactions with custom frequencies.
  11. End a recurring bill on a date, or after a set number of payments (Ends → After).
  12. Names you’ve used before appear as suggestions under the name as you type; tap one to use it.
  13. Add a note to any transaction, like an order number or a reminder, under More. A bill’s note is copied onto each payment, and you can change a payment’s own note by editing it in Transactions.
  14. Assign transactions to specific accounts.
  15. Assign categories to track spending.
  16. Auto Category Matching: When enabled, suggests a category based on previous transactions with similar names.
  17. Tap “Clear Category” to remove a suggested or selected category.
  18. One-time transactions process immediately.
  19. Recurring transactions automatically schedule next occurrence.
📈 Cash Flow
  1. View projected balance over time with interactive chart.
  2. Chart shows highest, lowest, and negative balance markers (when enabled).
  3. Tap on annotation markers to jump to that transaction.
  4. Customize which markers to show in Cash Flow Settings (sliders icon).
  5. Select different time periods (30 days, 90 days, 6 months, 1 year, or 3 years).
  6. Your current balance shows beside “Projected Transactions”. While anything is pending it shows Posted, with Available underneath.
  7. Tap the calendar button at the top of the Dashboard, Cashflow or Bills to see each day’s projected ending balance on a month calendar. Red days are below zero; tap a day to see what’s scheduled on it.
  8. Use the sliders icon to set default duration and chart annotations.
  9. All transactions are included in projections.
  10. Modified amounts are reflected in calculations.
💵 Bills Tab
  1. Use the search bar at the top to filter bills by name in real time.
  2. View all upcoming transactions sorted by date.
  3. See assigned category and account for each transaction.
  4. Tap or swipe left on a transaction to edit.
  5. Swipe right to process a transaction.
  6. Use the menu (⋯) to modify, skip, or delete transactions.
  7. Modified transactions are marked with indicators.
  8. Account balance displayed at the bottom (view only).
  9. Edit account balances in Settings → Accounts or from the dashboard.
⏱️ Processing & Modifying
  1. Swipe right on a transaction to process it.
  2. View original and modified amounts if changed.
  3. Process with current amount or adjust it.
  4. If you have more than one account, pick which account a payment comes out of before you process it — the bill itself stays assigned where it was.
  5. Tap or swipe left to modify a transaction.
  6. Choose between editing entire series or single occurrence.
  7. Modified occurrences show both original and new amounts.
  8. Changes only affect selected occurrence or future ones.
  9. Undo a single occurrence’s change with Remove Adjustment, or swipe left on a modified occurrence and tap Reset — it returns to the bill’s normal date and amount.
  10. Skip option available to move to next occurrence.
🕒 Pending Transactions
  1. Mark a transaction as pending when it has hit your bank but hasn’t cleared yet — a card authorisation, a tab with the tip still settling, a deposit that isn’t available yet.
  2. In Bills or on the Dashboard’s Upcoming card, swipe right and tap Pending, or use the menu (⋯). In Cashflow, press and hold the transaction.
  3. Pending transactions move to the top of Bills, Cashflow and the Dashboard’s Upcoming card, deposits first, with their scheduled date crossed out.
  4. The running balance counts pending transactions first, so every row below already includes them.
  5. While anything is pending, your balance is labelled Posted and an Available line shows under it: your posted balance plus pending deposits, minus pending charges.
  6. Pending never changes your posted balance. Process the transaction when it clears, and that is when the posted balance moves.
  7. Changed the amount because the final charge was different? Edit the occurrence — it stays pending.
  8. To undo, choose Mark as Not Pending the same way.
📋 Transactions Tab
  1. View all processed transactions chronologically.
  2. Use filters to search by name, category, or date range.
  3. Filter by category to see spending in specific areas.
  4. When filters are active, view total deposits and debits.
  5. Export filtered results to PDF report with the Export button.
  6. Clear filters to return to full transaction history.
  7. Sorted by most recent first.
  8. Shows actual processed amounts.
  9. With more than one account, each entry names the account it posted to.
  10. Swipe left to edit or delete a transaction entry.
  11. Deleting reverses the balance change.
📄 Reports
  1. Access reports from the document icon in the navigation bar on any screen.
  2. Also available from the ellipsis (⋯) menu on the Spending by Category card.
  3. Category Breakdown: View spending breakdown by category with percentages.
  4. Bills Report: List all recurring bills with amounts and frequencies.
  5. Income Report: List all income sources with amounts and frequencies.
  6. Bills & Income Report: Complete overview with net cashflow summary.
  7. Monthly Overview: Comprehensive financial summary with account balances.
  8. Reports open in a preview where you can scroll through the document.
  9. Tap the share icon to save as PDF, print, or share via AirDrop/email.
  10. Reports include the same calculations as your dashboard for consistency.
  11. Transfer transactions from main account are included in monthly bills.
☁️ iCloud Sync
  1. Personal Cashflow automatically syncs across all your iPhones and iPads signed in to the same Apple ID.
  2. Sync uses your private iCloud account — your data never touches our servers.
  3. A small cloud icon appears in the navigation bar while syncing; it stays hidden when sync is idle and healthy.
  4. You may briefly see two copies of new data on the receiving device while sync settles — this resolves automatically within a few seconds.
  5. Updates from another device appear when you open or return to the app. Live updates while the app is in the foreground are limited by Apple's CloudKit framework.
  6. If sync has a problem, the cloud icon turns red. Tap it to see details. Most sync issues clear up by themselves.
  7. Sync is not a backup: a mistake on one device is copied to every device. If your data ever looks wrong, restore a backup (Settings → Backups).
  8. Want someone with a different Apple ID, like a partner, to see your cashflow? See Sharing below.
👥 Sharing
  1. Share your cashflow with someone you trust, like a partner: Settings → Sharing → Share My Cashflow, then send it by Messages or Mail.
  2. They see what you see: accounts, bills, the projection, the calendar and your transaction history, including notes. They can’t change anything.
  3. Viewing is free. The person you invite needs the app and an iCloud account, but not a subscription.
  4. Send the invitation through Messages or Mail. A copied link on its own opens for no one. If sending doesn’t work, Invite by Email Address adds them first and gives you a link that opens only for them.
  5. Their view updates whenever you use the app, and shows when it was last updated. They can pull the newest copy with the refresh button on the banner.
  6. Manage People lists everyone who can view. Remove one person, or Stop Sharing to remove everyone and delete the shared copy. Your own data isn’t touched.
  7. Shared with you? The banner at the top says whose cashflow you’re viewing. If you have your own cashflow too, tap the initials button at the top of the Dashboard, Cashflow or Bills to switch between them.
  8. To stop viewing someone’s cashflow, open Settings while viewing it and tap Stop Viewing. It disappears from your device; their data isn’t changed.
⚙️ Settings
  1. Open Settings from the gear icon in the navigation bar at the top of any screen.
  2. Dashboard Settings: Tap the sliders icon on the Dashboard to customize sections.
  3. Each settings section is displayed in its own card for easy navigation.
  4. Drag sections in the “Section Order” card to reorder them on your dashboard.
  5. Select multiple accounts to display balances on the dashboard.
  6. Toggle visibility of each dashboard section independently.
  7. Cash Flow Settings: Tap the sliders icon on the Cash Flow tab to set default duration and chart annotations.
  8. Account Management: Create, edit, and delete accounts.
  9. Set favorite account for default transaction assignment.
  10. Category Management: Create, edit, and delete categories.
  11. Chart Annotations: Toggle Highest, Lowest, and Negative Balance markers in Dashboard and Cash Flow Settings.
  12. Auto Category Matching: Toggle to enable or disable automatic category suggestions when adding transactions.
  13. Backups: a copy of your data is saved on this device once a day, and the last 14 are kept. Settings → Backups lists them; tap one to restore it. Restoring replaces your data on all your devices, and your current data is backed up first so you can undo it.
  14. Appearance: Choose between Light, Dark, or System theme.
  15. Accent Color: pick any color you like from the color wheel — it recolors buttons, charts, the tab bar and positive amounts. It is applied when you close Settings, and Reset to Default Green puts it back.
  16. Category colors are a color wheel too — Settings → Categories → pencil.
  17. All settings are saved automatically.

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