Income

The Income page lets you configure your income sources so CshFlow can accurately forecast your cash flow between paychecks. Set up your payday schedule and let CshFlow calculate your spending room.

Overview

Configuring your income helps CshFlow:

• Predict when you'll get paid - Schedule income on your calendar
• Calculate spending room - Know how much you can safely spend until your next paycheck
• Plan for variable income - Handle irregular pay schedules
• Improve projections - More accurate cash flow forecasting

Setting Up Income

Income Setup Flow

When you first visit the Income page, you'll go through a guided setup:

1. Select Income Source - Choose which vendor represents your income
2. Set Frequency - Weekly, bi-weekly, semi-monthly, or monthly
3. Confirm Dates - Set your next expected payday
4. Review Amount - Confirm or adjust your typical pay amount

Income Sources

CshFlow automatically detects potential income sources from your transactions:

• Direct deposits
• Regular large deposits
• Payroll identifiable patterns

Select the one that represents your primary income, or add multiple sources if you have more than one.

Income Frequency Options

Weekly

• Paid every week on the same day
• 52 paychecks per year

Bi-Weekly

• Paid every two weeks
• 26 paychecks per year
• Some months have 3 paychecks

Semi-Monthly

• Paid twice per month on specific dates
• Usually the 1st and 15th, or 15th and last day
• 24 paychecks per year

Monthly

• Paid once per month
• Usually on a specific date
• 12 paychecks per year

Variable/Irregular

• For freelancers, contractors, or commission-based income
• CshFlow uses your average or you can enter expected amounts
• Less precise projections but still useful

Managing Multiple Income Sources

If you have more than one income source:

1. Add each source separately
2. Set frequency for each
3. CshFlow combines them in projections

Common examples:

• Full-time job + side business
• Primary income + rental income
• Two working spouses in shared finances

How Income Affects Your Finances

Spending Room Calculation

Your spending room depends on income timing:

• Until Month End - Counts all income through month end
• Until Next Income - Counts only until your next payday

Calendar Display

Income shows on your calendar:

• Green highlighting for income days
• Amount displayed on each payday
• Future paydays projected automatically

Cash Flow Projections

With income configured, projections show:

• When your balance will increase
• How bills align with paydays
• Cash flow dips between payments

Income Detection

Automatic Detection

CshFlow analyzes your transactions to find income:

• Large deposits that repeat
• Consistent amounts
• Regular timing patterns

Manual Override

If automatic detection misses your income:

1. Go to Income settings
2. Click "Add Income Source"
3. Select the vendor from your transactions
4. Set the frequency and next date

Excluding Non-Income

Not all deposits are income. You can exclude:

• Transfers from other accounts
• Refunds
• One-time payments
• Reimbursements

Mark these as transfers so they don't count as income.

Income Settings

Expected Amount

Set your expected take-home pay:

• Used for future projections
• Can be average or typical amount
• Adjusts automatically as actual income arrives

Pay Day Adjustments

For paydays that fall on weekends or holidays:

• CshFlow assumes you'll receive pay on the previous business day
• This aligns with how most employers handle weekend pay dates

Income Confirmation

When income arrives differently than expected:

• Review in the Smart Inbox
• Confirm the actual amount
• Update expectations if your pay changed

Tips for Using Income

Set Up Immediately

Configure income as one of your first steps in CshFlow. Without it, spending calculations can't account for when money arrives.

Update When Pay Changes

If you get a raise, change jobs, or adjust withholdings:

1. Go to Income settings
2. Update the expected amount
3. Projections will reflect the change

Handle Variable Income Conservatively

If your income varies (commission, freelance, etc.):

• Use your minimum expected amount
• You'll have more spending room than shown
• Better to be pleasantly surprised than short

Review Monthly

Check that income is being detected correctly:

• Did last month's income all show up?
• Are the amounts matching expectations?
• Is the timing accurate?

Multiple Jobs

When managing multiple income sources:

• Add each separately
• Different frequencies are fine
• CshFlow combines them automatically

Next Steps

• See your income on the Calendar
• Check your Daily Spending Limit between paychecks
• Review How Income Detection Works