Help & Guide

📊 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 ⋯ → Customize Dashboard to choose 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. Reports are in the ⋯ menu on any screen.
22. Tap the green + at the top of any screen to add a Quick Transaction; press and hold it to choose a Recurring Transaction instead.
23. Open Settings (accounts, categories, theme, backups) from the ⋯ menu at the top of any screen.

💳 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. Add a link under More too, like the page where you pay a bill. Type just the address (chase.com) and tap Open. A bill’s link shows when you process it, and each payment keeps it in Transactions.
15. Assign transactions to specific accounts.
16. Assign categories to track spending.
17. Auto Category Matching: When enabled, suggests a category based on previous transactions with similar names.
18. Tap “Clear Category” to remove a suggested or selected category.
19. One-time transactions process immediately.
20. 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 (⋯ → Cashflow Settings).
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 ⋯ → Cashflow Settings 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. Editing a series keeps the payments you changed one at a time. To put them all back on the series, turn on Reset them on save under Edited payments in Edit Series. Pending payments stay pending, and a payoff plan’s payments stay until you Undo the plan.
11. 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.

💳 Loans & Cards

1. Loans & Cards tracks what you owe: car, student and personal loans, a mortgage, and credit cards. It’s a tab by default; if you’ve taken it out of the tab bar, find it in the ⋯ menu.
2. Add one with Add a Loan or Card: name, current balance, original amount (or a card’s credit limit), APR, payment and due day.
3. Link the bill that pays it under Paid by Bill. Each time you process that bill, the debt goes down by the principal part of the payment, and the Process screen shows the split. Change the interest there if your statement shows a different number.
4. A linked debt’s payment comes from the bill, so changing the bill changes the payoff plan.
5. Open a loan or card to see its upcoming payments; See All lists every one through the payment that pays it off, with the estimated balance after each. Payments you changed one at a time show as they’ll be paid. If you have a payoff plan that isn’t in your bills yet, switch to On Payoff Plan to see the payments with it.
6. With a long list, search Loans & Cards by name or by the bill that pays it, or tap Cards or Loans to show just those.
7. Interest is an estimate. Once a month, tap Match Statement and type in the statement balance: the app resets to it and shows how close its estimate was. A banner on the Loans & Cards screen reminds you when a month has passed.
8. Paid something outside the bill? Record Payment lowers the debt without moving money in any account.
9. Deleting a payment in Transactions puts it back on the debt.
10. Payoff Plan compares Snowball (smallest balance first), Avalanche (highest rate first), Free Up Cash Fastest, Your Order and Minimums Only side by side: debt-free month, total interest, and which debt is gone first.
11. Under Extra each month, choose Set amount to add the same extra every month, or Everything I can spare. When a debt is paid off, its payment moves to the next one. The order you choose also sorts the Loans & Cards list, with Pay First on the debt the extra goes to.
12. Set Never let (account) go below to the least you want left in the account the extra comes from. Tap the amount to type it, or use − and + to change it by $100. With Set amount, the plan tells you the most you can add every month and stay above it; tap Use to take it.
13. Everything I can spare sends whatever that account can spare above your floor each month: a good month pays more, a tight one less. Your strategy still decides which debt gets it. Month by month shows where each month’s money goes and when each debt is paid off.
14. Roll over only what I can afford (Set amount): when a debt is paid off, its payment moves on only as far as the account stays above your floor; the rest stays in the account. That makes it a softer version of your strategy. Turn it off to roll over everything.
15. Under the amount, the plan shows the lowest that account gets with the plan in your bills, checked every day through the plan’s last payment, and a chart of each week’s low against your floor. Green means it stays at or above the floor, orange means it dips under, red means below zero. Preview Changes checks every account the bills come out of the same way.
16. Choose which account the extra comes from. With Set amount, the next card also compares that account’s lowest day in the next 12 months and its balance a year out, with and without the extra.
17. Bills that pay a debt show how much is left on it in the Bills list.
18. Pay a bill with a credit card: open the bill and choose the card under Paid with. Processing it adds to the card’s balance instead of taking money from an account, and Cashflow leaves it out, because the cash goes when you pay the card. You can switch one payment between card and account on the Process screen.
19. If the bills on a card add up to more than its payment can cover, the app warns that the card will never be paid off at this payment: on the bill, when you save, on the card’s page and in the Loans & Cards list. Not if a payoff plan in your bills pays it off: the payment is the card’s minimum and the plan adds on top. Otherwise raise the card’s payment, apply your plan, or pay some of those bills from an account.
20. Not sure what a card’s payment should be? Its Edit screen shows about what pays it down: the card company’s minimum (1% of the balance plus a month’s interest, at least $25), plus whatever is charged to the card each month. With bills on the card it also shows how much of your payment covers them and how much goes to the balance, and when the card is paid off with your payoff plan and on that payment alone. The plan adds its extra on top, so a red warning only shows when nothing pays the card off, or when the plan that would isn’t in your bills yet. Use appears only when your payment is below what pays it down; on a card paid by a bill, saving changes the bill. When you Match Statement, a new minimum due that’s more than your payment can become the payment.
21. A card’s page lists the bills charged to it. Deleting a charged payment in Transactions takes it back off the card.
22. The payoff plan counts each card’s bills: a card is paid off when what it carries reaches zero, and after that its payment only covers the new charges.
23. Apply to My Bills writes the plan into your bills, so the extra and each rollover show up in Cashflow, the calendar and Bills, and a paid-off debt’s bill ends after its last payment. A card that still has bills charged to it never ends: once its balance is paid, its payment drops to just those charges, for good, and follows them: add, change or remove a bill on the card and its payment changes to match (with nothing left on it, the payment bill ends). Preview Changes shows every change first, and nothing is written until you tap Apply to My Bills there. Undo puts the bills back. Every debt needs a bill first; Create Bill makes one.

👥 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 ⋯ menu at the top of any screen.
2. Tab Bar: choose the four areas around the + (two on each side) from ⋯ → Customize Tab Bar or Settings → Tab Bar. Picking one that’s already in the bar swaps the two. Transactions is in the ⋯ menu by default, and so is anything else you leave out.
3. Dashboard Settings: tap ⋯ → Customize Dashboard to choose sections.
4. Each settings section is displayed in its own card for easy navigation.
5. Drag sections in the “Section Order” card to reorder them on your dashboard.
6. Select multiple accounts to display balances on the dashboard.
7. Toggle visibility of each dashboard section independently.
8. Cash Flow Settings: tap ⋯ → Cashflow Settings to set default duration and chart annotations.
9. Account Management: Create, edit, and delete accounts.
10. Set favorite account for default transaction assignment.
11. Category Management: Create, edit, and delete categories.
12. Chart Annotations: Toggle Highest, Lowest, and Negative Balance markers in Dashboard and Cash Flow Settings.
13. Auto Category Matching: Toggle to enable or disable automatic category suggestions when adding transactions.
14. 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.
15. Appearance: Choose between Light, Dark, or System theme.
16. 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.
17. Category colors are a color wheel too — Settings → Categories → pencil.
18. All settings are saved automatically.