Monthly income
Monthly income is the sum of all income transactions in the current month, plus the monthly value of recurring income items. All amounts are converted to your base currency.
Monthly expenses
Monthly expenses follow the same pattern: one-time expense transactions this month, plus the monthly value of recurring expenses.
Net cash flow
Net Cash Flow = Monthly Income - Monthly Expenses
A positive cash flow means you're earning more than you're spending. A negative cash flow means you're spending more than you earn.
Savings rate
Savings Rate = (Net Cash Flow / Monthly Income) × 100%
The savings rate shows what percentage of your income you're keeping. A higher rate means faster progress towards your goals.
🧮 Edge case
If monthly income is zero, the savings rate displays as 0% to avoid division by zero.