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The Cash Flow view is where Checkr Money compares your income against your expenses. The two platforms answer this question in different ways - same data, different chart - so it’s worth knowing what each one shows.

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How the comparison is shown

On the web - the comparison is on the Cash Flow page as three metric cards: Total Income, Total Expenses, and Savings Rate (the percentage of income that wasn’t spent). A month with spending but no income still draws the chart, and the Savings Rate tile says no income was seen for that period. The Sankey diagram visualizes the flow - income sources merge into a single Income node on the left, which then splits into a Savings node (when positive) and the top expense categories on the right. A taller / wider Savings node means more of your income stayed in your accounts.On iOS - there is no single side-by-side card. Income and expenses live on the same Cash Flow screen but in different sections:
  • The Net cash flow bar chart at the top shows the difference (income minus expenses) for each period. Positive bars mean income beat expenses; negative bars mean the opposite. Two summary numbers - Total net and Avg/month - sit above the chart.
  • The Income section embedded below the chart shows your income detail - employment card, gross/net pay charts, recent pay statements.
  • Expenses live on the separate Spending page, not on Cash Flow.
Income on Cash Flow comes from your income report, so it includes benefit income such as pensions or Social Security alongside paychecks. If you’ve connected payroll but no bank account, Cash Flow explains that spending comes from a bank connection instead of showing $0 totals.
Benefit income and the payroll-only explanation on Cash Flow are available in Checkr Money iOS 1.10 and later.

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What the comparison tells you

Whichever platform you’re on, reading the comparison gives you the same answers:
  • Positive net (or positive Savings Rate) - you brought in more than you spent during the period
  • Negative net (or 0% Savings Rate) - you spent more than you brought in
  • Trend across months - is the gap widening, shrinking, or steady? Switch the time range to see month-over-month

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What to use it for

  • Spot months where expenses spiked above income and look into why
  • Track whether your savings rate is improving, holding, or sliding
  • Set realistic spending targets that match your actual income