Cashflow Center in SavePoint

🎛️ Page Controls

• Year Selector: Dropdown showing all years for which you have budgets set up. Only years with budget data appear in this list. Select a year to view that year's cashflow data
• Month Filter: Dropdown with "All Months" (default) or individual months (January through December). Select a specific month to filter all tables and charts to show only that month's data
• Help Button: Opens context-sensitive help for the Cashflow Center

📤 Exporting Cashflow Data

The Export button opens a two-item dropdown so you can take your cashflow data out of SavePoint:

• Export as PDF: Generates a print-ready cashflow analysis report. The PDF includes a branded header, summary cards for Total Income, Total Expenses, Net Cashflow, and Budget Variance, all four chart images (Cashflow Trend, Top 5 Categories, Income vs Expense, Budget vs Actual) laid out in a 2-column grid, and the Income Sources and Expense Categories tables underneath. Charts are captured with dark-on-light styling so labels and numbers stay readable regardless of your theme.
• Export as Excel: Spreadsheet-compatible export. In year mode the columns are Category, Jan through Dec, Total, and Average (plus Budget and Variance when budgets exist). Income Sources and Expense Categories appear as separate sections with totals rows. The header row and first column are frozen so you can scroll without losing context. Currency formatting uses your primary currency.

What to use them for: PDF is best for sharing with a financial advisor, a spouse, or attaching to records. Excel is best when you want to slice the data further, build your own charts, or feed numbers into another spreadsheet you maintain.

📊 Summary Cards

Four summary cards display key financial metrics for the selected year (or month if filtered):

• Total Income (green card): Sum of all income transactions for the period. Updates dynamically when you change year or month filter
• Total Expenses (red card): Sum of all expense transactions for the period. Calculated from actual transactions, not budget
• Net Cashflow (blue card): Total Income minus Total Expenses. Positive means you earned more than you spent; negative means you spent more than you earned
• Budget Variance (yellow card): Difference between your actual spending and your budgeted amounts. Positive variance means you spent less than budgeted (under budget) or earned more than projected; negative means you spent more (over budget) or earned less than projected

📈 Analytical Charts

Four charts visualize your cashflow data:

• Cash Flow Trend (top left): Line chart showing income, expenses, and net cashflow over time. If viewing full year, shows monthly data; if viewing a single month, shows daily trends
• Top 5 Categories (top right): Horizontal bar chart showing your five highest expense categories by total amount. Updates based on selected period
• Income vs Expense (bottom left): Pie chart comparing total income to total expenses for the selected period
• Budget vs Actual (bottom right): Bar chart comparing budgeted amounts to actual spending for major categories

💰 Income Sources Table

The Income Sources table displays a row for each income category with the following columns:

• Income Source column: Category name (e.g., "Salary", "Freelance Income", "Investment Income"). Click any row to open the detailed category modal
• Monthly Trend column: Small sparkline chart showing the income pattern across all 12 months. Line moves up/down based on monthly amounts, with green coloring for income
• Jan through Dec columns: Twelve month columns showing actual income received in each month. Displays dollar amount or "-" if no income that month. Future months (beyond current month) are dimmed. Click any month cell to open the category detail modal filtered to that specific month
• Total column: Sum of all income received in this category for the entire year (green text)
• Budget column: Total budgeted amount for this income category for the full year
• Variance column: Difference between Total and Budget. Green text if actual exceeds budget (earned more than planned), red text if actual is below budget (earned less than planned)
• TOTAL row: Bottom row with gray background showing totals for each column across all income categories

💳 Expense Categories Table

The Expense Categories table has the same structure as the Income table, but for expenses:

• Expense Category column: Category name with optional subcategory displayed below in small gray text. Click any row to open detailed category modal
• Monthly Trend column: Sparkline showing expense pattern across 12 months, with red coloring for expenses
• Jan through Dec columns: Actual expenses for each month. Click any month cell to drill down into that month's transactions for that category
• Total column: Sum of all expenses in this category for the year (red text)
• Budget column: Budgeted amount for the full year
• Variance column: Difference between actual and budget. Red text if over budget (spent more than planned), green text if under budget (spent less than planned). Shows absolute value of difference
• TOTAL row: Bottom row showing totals across all expense categories

🔍 Opening the Drilldown

Click any category name in the Income Sources or Expense Categories tables to see all transactions for that category across the year. Or click a specific monthly amount to jump directly to that month's transactions. The drilldown opens full-screen, showing you everything about that category's activity.

Example: You notice "Dining Out" shows $620 this month when you budgeted $400. Click that $620 to see exactly where that money went: was it date nights, work lunches, or weekend brunches? The drilldown gives you every transaction with dates, amounts, and merchant names.

⏱️ Adjusting the Time Period

By default, you see the selected month's transactions. But spending patterns often emerge over longer periods. Use the View Mode dropdown to zoom out to 3 months, 6 months, or a full year. This helps you spot trends: Is your utility spending rising each month? Did you have an unusually high month, or is this the new normal?

Example: You're analyzing gym membership costs. Switch to 12-month view and you discover you've been paying for a gym you haven't used in 8 months. That's a concrete, data-driven decision to cancel.

📊 Understanding Your Spending at a Glance

The top of the drilldown shows your critical metrics: total spent, number of transactions, and average per transaction. Below that, a progress bar shows how you're tracking against your budget for this category.

What you learn: If you see "18 transactions averaging $35" in your grocery category, you're shopping about 4 times a week. If your budget shows 85% used with a week left in the month, you know you need to slow down. These numbers tell you exactly how your behavior translates to dollars.

Example: Your "Subscriptions" category shows 7 transactions averaging $14.99. You only remember 4 subscriptions. The drilldown reveals you're still paying for a streaming service you forgot about and a software trial that auto-renewed.

💡 Smart Insights That Highlight What You'd Miss

SavePoint automatically analyzes your transactions and generates insights about patterns, timing, and budget performance. These aren't just summaries; they're observations you might not notice on your own. The insights change based on what time period you're viewing and what the data shows.

What insights help you discover:

• Spending timing patterns (e.g., "Most of your dining expenses happen on weekends." Maybe meal prep Sundays would help)
• Month-over-month changes (e.g., "Your gas spending increased 22% compared to last month." Worth investigating why)
• Year-ahead projections (e.g., "At this rate, you'll spend $4,800 on groceries this year." Is that aligned with your goals?)
• Budget performance context (e.g., "You're under budget by $120 with 15 days left in the month." You have breathing room)
• Largest transactions and outliers that might need explanation

Example: The insights reveal "Most spending occurred in the first 10 days of the month." This pattern suggests you might be overspending right after payday and then running tight the rest of the month, a common budget trap that's hard to see without this analysis.

🔎 Finding Specific Transactions

The search box filters transactions as you type, searching across merchant names, transaction descriptions, and account names. This is essential when you need to find a specific charge or analyze spending at a particular merchant.

Example: You remember getting gas at Shell twice last week but want to confirm you categorized them correctly. Type "Shell" and immediately see just those transactions: dates, amounts, which account was used. Or search "Amazon" in your Shopping category to see how much of your shopping budget is actually going to Amazon specifically.

📥 Exporting Transaction Details

The Export button downloads a CSV file with all currently filtered transactions (respects your time period selection and search filters). The file includes date, payee, description, account, and amount for every transaction.

When this is useful: Tax time and you need all your business expense receipts. Insurance claims requiring transaction proof. Sharing spending data with your spouse or financial advisor. Further analysis in Excel or another tool. The export gives you the raw data exactly as filtered.

📋 Transaction List Details

Every transaction in the filtered period appears in the table with its date, merchant/payee, which account it came from, and the amount. Transactions are sorted by date (most recent first) and paginated at 10 per page for easy reading.

Why individual transactions matter: You can verify each charge makes sense, spot duplicate charges, identify fraudulent transactions, see which credit card or bank account was used, and understand the story behind the totals. This is where you catch the $89 charge you don't recognize or realize you were charged twice for the same purchase.