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GRAYROCK MONEY · CASH FLOW

Understand What Comes In and What Goes Out.

Review income, expenses and net cash flow in one currency at a time. Compare monthly activity, explore category breakdowns and find the transactions behind your results.

Start with Grayrock Money
Explore Cash Flow Features
  • Monthly income & expenses
  • Category breakdowns
  • One currency at a time
Grayrock Money Cash Flow overview and category breakdown showing monthly income, expenses and balance trends.
SEE YOUR RECORDED ACTIVITY CLEARLY

Bring Your Cash Flow into Focus.

See how recorded income and expenses compare, then explore the patterns and categories behind the totals.

Review the Summary

See income, expenses, net cash flow and savings rate for the selected view.

Compare Monthly Activity

Review monthly income and expense bars to see when spending exceeded income or more money remained.

Follow Balance Trends

View recorded month-end assets, liabilities and net worth alongside your cash flow.

Explore the Breakdown

Expand categories into subcategories and select amounts to review the matching transactions.

Grayrock Money Cash Flow page showing an SGD summary, monthly income and expenses, and balance trends
Cash Flow Category Breakdown

Cash Flow Category Breakdown

Explore the categories behind your income and expenses.

Monthly Cash Flow and Balance Trends

Monthly Cash Flow and Balance Trends

Compare monthly activity alongside your recorded balance trends.

Filter Cash Flow Reports

Filter Cash Flow Reports

Focus your report on the period and activity you want to review.

FOCUS ON WHAT YOU NEED

Choose the Period. Explore the Details.

Adjust the report to the question you want to answer. Review a particular period, focus on an account or narrow the activity by classification, category and tag.

Set Your Timeframe

Use the date range or quick-month control to focus your review.

Select Relevant Activity

Filter by Personal or Business classification, account, transaction type, category and tag.

Keep Currency Context

Choose the currency you want to review. Amounts remain in their original currency without automatic conversion.
Explore Transactions
Category, tag and transaction-type filters refine transaction activity. They do not recalculate account balances in the balance-trend view.
DIFFERENT FIGURES. DIFFERENT MEANINGS.

Understand the Flow and the Balance.

Income, expenses and account balances describe different parts of your finances. Reading them together helps you understand both activity and position.

Income & Expenses

Show the recorded money coming in and going out for the selected activity. Transfers between your own accounts are excluded.

Net Cash Flow

Shows income minus expenses. A positive figure means recorded income exceeded expenses; a negative figure means expenses were higher.

Balance Trend

Shows recorded month-end assets, liabilities and net worth. Account balances include the effects of transfers.

Net Cash Flow Is Not Your Account Balance.
Cash flow describes income and expenses during a period. Account balances also reflect starting balances and other recorded movements, including transfers.
FROM TOTALS TO UNDERSTANDING

Review Your Cash Flow in Three Steps.

1. Choose Your View
Select a currency and period, then apply any account or activity filters you need.
2. Compare the Activity
Review income, expenses and net cash flow, then compare the monthly pattern.
3. Follow the Details
Explore the category breakdown and select an amount to inspect its matching transactions.
The report reflects the records entered or imported into Grayrock Money. Keep transactions complete and correctly classified to make your review more useful.
QUESTIONS & ANSWERS

About Cash Flow

Understand the figures, filters and records behind your cash flow view.

Need Help?

What does the Cash Flow page show?

It shows recorded income, expenses, net cash flow and savings rate for the selected view. You can also review monthly activity, balance trends and category breakdowns.

How is net cash flow calculated?

Net cash flow is income minus expenses for the selected activity. A positive result means income exceeded expenses; a negative result means expenses exceeded income.

Are transfers counted as income or expenses?

No. Transfers between accounts you own are excluded from income and expenses. Their effects on individual account balances are included in the balance-trend view.

Can I review personal and business activity separately?

Yes. Use the classification filter to focus on Personal activity, Business activity or both. You can combine this with the other available report filters.

Can I combine different currencies into one total?

The Cash Flow page reviews one currency at a time. Selecting a currency does not automatically convert other currencies into it.

Can I see the transactions behind a category total?

Yes. Expand a main category to explore its subcategories, then select an amount to review the matching transactions.

Why does the balance trend stay the same when I filter by category or tag?

Category, tag and transaction-type filters refine transaction activity. The balance trend represents recorded account balances, so those filters do not alter it.

Is net cash flow the same as my available balance?

No. Net cash flow measures income minus expenses during a period. Your account balance also depends on its starting position and other recorded movements.

 

MAKE TIME FOR A CLEARER REVIEW

See the Pattern Behind Your Money.

Review what came in, what went out and the records behind the difference with Grayrock Money.

Start with Grayrock Money
Explore Grayrock Money