Features Overview
CshFlow provides a comprehensive suite of tools for understanding and managing your cash flow without traditional budgeting.
Core Features
Calendar
Your command center for cash flow forecasting:
- Visual monthly view: See income (green) and expenses (red) at a glance
- Daily breakdown: Click any day to see transactions
- Spending room: Know exactly how much you can safely spend
- Future projections: See what's coming next month
Smart Inbox
Email-style interface for reviewing detected patterns:
- Recurring expense detection: Subscriptions and regular bills
- Income pattern recognition: Paychecks and regular income
- Transfer matching: Internal account transfers
- Bulk actions: Process multiple items at once
Daily Spending Calculator
Know exactly how much you can safely spend today:
- Two calculation modes:
- Until end of month
- Until next income
- Conservative rounding: Safety-first calculations
- Real-time updates: Adjusts as you add expenses or income patterns
- Holiday-aware: Accounts for Canadian banking calendar
Learn more about Daily Spending
CSV Upload & Processing
Upload banking CSV files to analyze your spending patterns:
- Multi-file support: Process multiple months at once
- Smart deduplication: Removes duplicates and pairs authorization holds
- Vendor extraction: Intelligently parses vendor names from descriptions
- Fast processing: Client-side parsing for privacy and speed
Vendor Analysis
Understand your spending by merchant:
- Recurring expense detection: Automatically identifies subscriptions
- Confidence scoring: High/Medium/Low confidence ratings
- Billing frequency analysis: Weekly, bi-weekly, monthly patterns
- Transaction grouping: All purchases from the same vendor
- Cancel management: Track cancelled subscriptions
Learn more about Vendor Analysis
Target Optimizer
Get recommendations on reducing spending:
- Savings potential: Calculate impact of cancelling subscriptions
- Sorted by impact: Highest-saving cancellations first
- Confidence filtering: Focus on actual recurring expenses
- One-click marking: Easily track cancelled vendors
Learn more about Target Optimizer
Financial Health Score
Get a comprehensive 0-100 assessment of your financial wellness:
- 5-component scoring: Emergency fund, debt ratio, savings rate, cash flow, and bills-to-income
- Letter grades: A through F for at-a-glance understanding
- Actionable insights: Know exactly which areas need improvement
- Canadian standards: Aligned with FCAC, CMHC, and best practices
- Private calculation: Your score stays in your account, never shared
Learn more about Financial Health Score
Settings Panel
Customize CshFlow to match your financial situation:
- Income patterns: Add expected income sources and frequencies
- Manual expenses: Track expenses not in CSV (rent, etc.)
- Cancelled vendors: Manage subscription cancellations
- Spending mode: Choose calculation preference
- Conservative rounding: Toggle safety buffer
Premium Features
Upgrade to unlock advanced financial planning tools:
Insights
Comprehensive financial reports and analysis:
- Cash flow breakdown by category
- Spending trend analysis over time
- Benchmark comparisons to Canadian averages
- Personalized recommendations based on your data
What-If Scenarios
Model financial decisions before you make them:
- One-time expense modeling: Can you afford that purchase?
- Income projections: What if you got a bonus?
- Category overrides: What if you cut back on dining?
- Side-by-side comparison: Baseline vs scenario
Learn more about What-If Scenarios
Payback Machine
Your plan to become debt-free:
- Strategy selection: Avalanche, snowball, or hybrid
- Daily interest tracking: See debt cost in real-time
- Extra payment calculator: Model paying more
- Prioritized payoff order: Know where to focus
Learn more about Payback Machine
Supporting Features
Vendor Normalization
CshFlow uses intelligent vendor name cleaning:
- Removes common prefixes (VISA DEBIT, E-TRANSFER)
- Strips store numbers and suffixes
- Expands abbreviations
- Applies title case formatting
- Uses configuration-driven mappings
Deduplication Algorithm
Three-step process ensures accurate transaction counts:
- Auth Hold Detection: Identifies pending charges
- Auth-Charge Pairing: Matches holds to actual charges
- Traditional Dedup: Removes identical transactions
Transfer Detection
Identifies internal transfers to avoid double-counting:
- Between checking and savings
- Credit card payments
- Investment contributions
Holiday Batch Processing
Handles transactions posted in batches on holidays:
- Estimates actual transaction dates
- Accounts for weekend and holiday closures
- Uses Canadian banking calendar
Ready to explore a specific feature? Use the sidebar to navigate to detailed guides.