Cashflow is on the main navigation, and its job is one sentence: track your income and your expenses over a period you choose.
It is part of the paid plans. On the free plan the page is not available and Finthy offers the upgrade instead. Everything below describes what you get with any paid plan.
The four numbers at the top
- Money In, everything that arrived in the period.
- Money Out, everything that left.
- Transfers, money you moved between your own accounts. It is shown separately on purpose: a transfer is not income and not spending, and counting it as either would inflate both numbers.
- Available Money, what the first two leave you with.
If Transfers looks large, that is usually normal. Paying a credit card from a current account, or moving savings, both land here.
Income Breakdown and Expense Breakdown
Two breakdowns by category, so you can see which categories the totals came from. Choosing a category narrows the transaction list at the bottom of the page to it. If you pick one with nothing in the period, the list says so rather than showing an empty table.
Money Flow
A chart of how money moved through the period, from what came in to where it went. When there is no income or expense data in the period selected, Finthy tells you instead of drawing an empty chart.
The 50-30-20 analysis
Finthy compares your spending against the common guideline of 50% needs, 30% wants, 20% savings, and shows each against its target alongside your Monthly Income.
- Needs (50%): essential expenses such as housing, utilities, groceries, transport and insurance, including minimum loan payments.
- Wants (30%): discretionary spending you enjoy but could live without, such as dining out, entertainment, hobbies, subscriptions and shopping.
- Savings (20%): money set aside for the future, including an emergency fund, retirement contributions, investments and extra debt payments.
Finthy says plainly that this is a guideline, not a strict rule, and that the percentages are worth adjusting to your own situation.
It needs income to work. With no income recorded in the period, there is nothing to take percentages of, and Finthy asks you to widen the period rather than showing three zeroes.
The transaction list
Underneath is the list of transactions behind the figures, so you can go from a total to the individual payments without leaving the page.
Good to know
- The period drives everything on the page. Each number, breakdown and chart describes the period you selected, so comparing two months means looking at them one at a time.
- A category is not required. Uncategorised transactions still count in Money In and Money Out; they simply group as uncategorised in the breakdowns.
- Duplicates are excluded. A transaction you marked as a duplicate stays out of these totals, which is the point of marking it.