> ## Documentation Index
> Fetch the complete documentation index at: https://help.checkrmoney.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Understanding Your Cash Flow

> See how money moves through your accounts - what came in, what went out, and what's left.

Cash flow is the movement of money into and out of your accounts over time. Checkr Money has a dedicated **Cash Flow** view that visualizes this, so you can see whether you're earning more than you spend.

## What is cash flow

* **Positive cash flow** means more money is coming in than going out - your balances are growing
* **Negative cash flow** means more is going out than coming in - your balances are shrinking
* **Net cash flow** is the difference between the two

## Where to find it

On the web, open [Cash Flow](https://app.checkrmoney.com/data/cashflow) from the sidebar, or from **More** on a phone. On iOS, open [Cash Flow](https://app.checkrmoney.com/data/cashflow) on the **Home** tab, in the row of pages across the top.

<Note>
  The time range differs by platform: the web focuses on a single month at a time, while iOS lets you pick a period length (30 days, 3 months, 6 months, or 1 year).
</Note>

Cash Flow needs a bank connection to show where your money goes. If you've only connected payroll, the web shows your paychecks as income and asks you to connect a bank to see spending. With nothing connected, the page prompts you to connect an account.

## What you'll see

The two platforms visualize cash flow differently. Both ultimately answer the same question - what came in, what went out, what's left - just with different charts.

<Note>
  **On the web** - the main visualization is a **Sankey diagram** showing income sources on the left flowing into the total Income node, which then splits into a **Savings** node (when positive) plus the top expense categories. Three metric cards above the chart show **Savings Rate**, **Total Income**, and **Total Expenses** for the selected month.

  **On iOS** - the main visualization is a **Net cash flow** bar chart, with one bar per period (a day, a week, or a month, depending on the time range). Positive bars (you earned more than you spent) and negative bars (you spent more) read at a glance. Two summary numbers sit above the chart: **Total net** and **Avg/month**. Below the chart, the screen embeds your **Income** section with employment, pay charts, and pay history - so you can see the income side without leaving Cash Flow.
</Note>

## Why cash flow matters

Reviewing your cash flow regularly helps you:

* See whether you're living within your means
* Plan for large upcoming expenses
* Catch months where the numbers might come up short
* Build savings by keeping a positive trend

## Related

* [Income vs. Expenses](/cash-flow/income-vs-expenses) - how the two sides are compared on each platform
* [Customizing Time Ranges](/cash-flow/customizing-time-ranges) - the different time controls per surface
* [Tracking Recurring Income](/recurring/recurring-income) - the predictable inflows that feed Cash Flow

<Tip>Aim for a consistently positive net each month. Even a small positive number compounds over time.</Tip>


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