Financial wellness cash flow help

The Financial Wellness Cash Flow section helps you review how cleared income and expenses move over time. It is designed for awareness and planning, not for account custody, payment scheduling, underwriting, or personalized financial advice.

Cash Flow is based on transactions available inside Naverica. Synced transactions come from connected account providers such as Plaid when paid Core access and sync are active. Manual transactions and manual imports can also appear in Cash Flow after they are saved.

What Cash Flow Shows

• Income for the selected period.
• Expenses for the selected period.
• Net cash flow, which is income minus expenses.
• A chart comparing income and expenses across recent periods.
• Income categories ranked by amount for the selected period.
• Expense categories ranked by amount for the selected period.

Cash Flow does not show your live bank balance. A positive net cash flow does not mean the same amount is available to spend, and a negative net cash flow does not necessarily mean an account is overdrawn. Use your bank or financial institution for official balances, holds, fees, and settlement details.

Monthly, Quarterly, And Yearly Views

Use the View menu to switch the chart between:

• Monthly: the most recent 12 monthly periods.
• Quarterly: the most recent 8 quarterly periods.
• Yearly: the most recent 4 yearly periods.

The current period is selected by default. Select a chart bar to review a different month, quarter, or year. The totals and category lists below the chart update to match the selected period.

Income, Expenses, And Net Cash Flow

Income is the total of positive cleared transactions in the selected period.

Expenses is the total of negative cleared transactions in the selected period, shown as a positive spending total so it is easier to compare.

Net cash flow is income minus expenses. For example, $2,000.00 of income and $1,700.00 of expenses produces $300.00 of net cash flow. If expenses are higher than income, net cash flow is negative.

Transfers can affect the view depending on how the transaction is categorized and whether matching transfer activity appears in another connected account. If a transfer looks like income or spending, review the transaction category before relying on the Cash Flow total.

Category Breakdowns

The Income and Expenses panels show categories for the selected period. Categories are sorted from largest to smallest, and each bar shows the category’s share of that period’s income or expense total.

These categories come from synced provider labels, user category changes, category rules, manual entries, and imports. Category labels are useful for review, but they can be imperfect. If a category looks wrong, correct the transaction category in the Transactions tab and then review Cash Flow again.

Why Pending Activity Is Excluded

Cash Flow uses cleared transactions. Pending transactions are excluded because they can change before they settle. This is common with card authorizations, tips, gas-station holds, refunds, and merchant corrections.

If you are expecting a recent purchase, paycheck, transfer, or refund to appear in Cash Flow, check whether it is still pending in the Transactions tab. It should affect Cash Flow only after it clears and syncs into Naverica.

Why Cash Flow May Look Different From Your Bank

Cash Flow can differ from your bank app or statement for several normal reasons:

• the bank has pending activity that Naverica excludes from Cash Flow;
• a connected account is still syncing or needs reconnecting;
• paid Core sync access is inactive or locked;
• older transaction history was not available from the institution;
• a transaction posted after the selected period ended;
• a transfer, refund, fee, or reversal was categorized differently than expected;
• the same real-world activity appears across multiple connected accounts;
• manual transactions or imports were added, edited, or removed.

Start by checking the selected view and period, then review the underlying rows in the Transactions tab. For connection issues, see Connected accounts and sync help. For transaction search, pending rows, manual entries, imports, and category changes, see Financial wellness transactions help.

Using Cash Flow For Planning

Cash Flow can help you notice patterns such as:

• months where expenses exceeded income;
• categories that keep taking a larger share of spending;
• income timing that does not match bill timing;
• seasonal changes in income or expenses;
• periods where manual records may need cleanup.

Treat these as prompts for review. Before making an important money decision, confirm the details with your official bank records, your Budget section, and any professional guidance that applies to your situation.

When To Contact Support

Contact in-app support if:

• Cash Flow stays empty after cleared transactions are visible in Transactions;
• a connected account remains stale after reconnecting;
• a category correction does not update Cash Flow after refresh;
• totals look duplicated after sync has settled;
• manual transactions or imports are not appearing after they are saved.

Do not send bank credentials, account numbers, full transaction exports, screenshots with private transaction details, one-time codes, or identity documents by email. If support needs account-specific details, use the secure in-app support path.