Cash Flow Forecasting

Overview

Cash flow in NivoaFlow lives in two places — one looking back, one looking forward. Together they cover where your money has gone and where it is heading.

Looking Back: Reports → Cash Flow

The Cash Flow tab inside Reports summarises your historical income, expenses, and savings rate over a chosen window (1M, 3M, 6M, 1Y, or custom). You will see:

• Total income and total expenses for the range
• Average monthly net (income minus expenses)
• Savings rate as a percentage of income
• Monthly breakdown so you can spot trends

This view is purely historical — it reflects what already happened in your accounts.

Looking Forward: Recurring Forecasts and Cushion Reviews

For projections, NivoaFlow combines two things:

• Recurring forecasts — your confirmed recurring bills, subscriptions, and expected income project forward on the bill calendar and the Recurring page summary cards. The more accurate your recurring list, the better the projection.
• Cushion review — use cash-flow cushion review with Safe-to-Spend and the debt planner to check whether upcoming bills, expected income, and reserved money still leave enough room.

There is no separate "cash flow forecast" page; the forward-looking work happens through these two surfaces.

Tips for Accurate Projections

• Keep your recurring transactions up to date — confirm new patterns and dismiss false positives
• Add expected income (paycheques, freelance deposits) so the calendar reflects net activity, not just bills
• Review your cushion when your circumstances change so Safe-to-Spend and your debt plan stay realistic