Vendors

The Vendors page is your control center for managing who you spend money with. Track recurring bills, manage subscriptions, upload bills for automatic setup, and see spending patterns across all your vendors.

Overview

The vendors page helps you:

• Track all vendors - Everyone you pay, in one list
• Manage subscriptions - See and cancel recurring charges
• Control projections - Choose which vendors are included in forecasts
• Upload bills - Auto-configure recurring expenses from bill images
• Merge duplicates - Combine vendors that are the same company

Viewing Vendors

Vendor Table

Each vendor shows key information:

Column	Description
Vendor	Name and display name
Category	Spending category
Total Spent	Lifetime spending with this vendor
Avg Amount	Average transaction size
Frequency	How often you pay (monthly, weekly, etc.)
Next Expected	When the next charge is expected
Status	Projectable, committed, or discretionary

Filtering Vendors

Use the tabs to filter your view:

• All - Every vendor
• Projectable - Vendors included in cash flow projections
• Committed - Non-discretionary, essential expenses
• Discretionary - Optional, variable spending
• Debt - Credit card and loan payments
• Subscriptions - Streaming, software, and recurring services
• Cancelled - Vendors you've marked as cancelled

Vendor Types

Projectable Vendors

Projectable vendors are included in your cash flow forecast:

• Regular bills (utilities, rent, insurance)
• Subscriptions you maintain
• Debt payments

Toggle "Include in Projections" to add a vendor to forecasts.

Committed vs Discretionary

• Committed - Essential expenses you can't skip (rent, insurance, utilities)
• Discretionary - Optional spending you could reduce (dining, entertainment)

This affects how CshFlow calculates your available spending room.

Subscriptions

Subscription vendors are automatically identified by:

• Category (streaming, software, etc.)
• Regular billing patterns
• Consistent amounts

Use the Subscriptions filter to see all your recurring subscriptions in one place.

Cancelled Vendors

When you cancel a subscription or stop using a vendor:

1. Click the vendor
2. Select "Mark as Cancelled"
3. The vendor moves to the Cancelled filter
4. Future charges stop being projected

You can restore cancelled vendors if charges resume.

Adding Vendors

Upload a Bill

The fastest way to add a recurring vendor:

1. Click "Upload Bill"
2. Upload a photo or PDF of your bill
3. CshFlow extracts:
   • Vendor name
   • Amount
   • Due date
   • Billing frequency
4. Review and save

Import Subscriptions

Import subscriptions from your phone:

1. Click "Import"
2. Take a screenshot of your subscription list (iOS Settings or Google Play)
3. Upload the screenshot
4. CshFlow extracts all subscriptions
5. Review and import

Add Manually

To add a vendor without a bill:

1. Click "Add"
2. Enter vendor details:
   • Name
   • Expected amount
   • Frequency
   • Next expected date
   • Category
3. Toggle projectable/committed as needed
4. Save

Managing Vendors

Editing Vendor Settings

Click any vendor to access:

• Display Name - Change how the vendor appears
• Category - Reassign the spending category
• Expected Amount - Set or override the projected amount
• Frequency - Adjust billing frequency
• Next Date - Update when the next charge is expected
• Tags - Add tags for filtering and organization

Merging Duplicates

If the same vendor appears multiple times (e.g., "NETFLIX" and "Netflix Inc"):

1. Select both vendors using checkboxes
2. Click "Merge"
3. Choose the primary name to keep
4. Confirm the merge

All transactions move to the merged vendor.

Batch Categorize

To categorize multiple vendors at once:

1. Click "Categorize"
2. See vendors without categories
3. Assign categories in bulk
4. Save changes

Vendor Tags

Tags help you organize and filter vendors:

System Tags

• Essential - Can't-skip expenses
• Nice to Have - Optional but valued
• Review - Needs attention

Custom Tags

Create your own tags for:

• Tracking business vs personal
• Marking shared expenses
• Grouping by project or goal

Managing Tags

Click "Manage Tags" on any vendor to:

• Add existing tags
• Create new tags
• Remove tags

Spending Analysis

Per-Vendor Insights

Click any vendor to see:

• Monthly spending over time
• Average amount per transaction
• Transaction frequency
• Year-over-year comparison

Confidence Scores

CshFlow calculates confidence in its predictions:

• High - Very consistent pattern (same amount, same day)
• Medium - Mostly consistent with some variation
• Low - Irregular or new vendor

Higher confidence means more reliable projections.

Tips for Using Vendors

Upload Bills for Accuracy

Uploading an actual bill gives CshFlow exact details:

• Correct vendor name
• Precise amount
• Actual due date
• Accurate frequency

Review Monthly

Check your vendors monthly to:

• Catch new subscriptions
• Update changed amounts
• Cancel unused services
• Merge duplicates

Use Categories Consistently

Proper categorization helps with:

• Spending analysis
• Budget tracking
• Finding specific vendors

Mark Cancelled Promptly

When you cancel a subscription:

1. Mark it cancelled immediately
2. Prevents incorrect projections
3. Easy to restore if charges return

Watch for Price Changes

Subscriptions often increase in price. When you notice:

1. Update the expected amount
2. Projections will be more accurate
3. Consider if it's still worth keeping

Subscription Management

Finding Subscriptions

Use the Subscriptions filter to see:

• All active subscriptions
• Monthly cost total
• Annual cost projection

Audit Subscriptions

Regular subscription audits help you:

• Find forgotten services
• Cancel unused subscriptions
• Reduce monthly expenses

Import from Phone

The subscription import feature works with:

• iOS subscription list screenshots
• Google Play subscription screenshots
• Bank statement subscription sections

Next Steps

• See detailed patterns in Vendor Analysis
• Understand Recurring Expense Detection
• Use the Calendar to see vendor charges by date