Personal Cashflow

Help & Guide

Mirrors the Help section inside the app. Tap any topic to expand.

Need something not covered here? Email support@personalcashflow.net.
📊 Dashboard
  1. View your financial overview at a glance.
  2. Account balance card shows balances for selected accounts.
  3. Tap any account balance to edit it directly from the dashboard.
  4. Select multiple accounts in Dashboard Settings to display multiple balances.
  5. Cashflow preview chart displays projected balance with highest, lowest, and negative balance markers.
  6. Upcoming occurrences lists your next bills and deposits.
  7. Tap the menu (⋯) on any upcoming transaction to process, modify, skip, or delete.
  8. Net Monthly shows the difference between deposits and bills (includes transfers).
  9. Monthly Deposits and Bills summary cards.
  10. Savings Rate calculates your savings percentage.
  11. Spending by Category pie chart visualizes expenses.
  12. Tap the ellipsis (⋯) on the pie chart card to generate financial reports.
  13. Top Spending Categories shows monthly totals and spending progress.
  14. Tap “Show All” to expand and see all categories, or “Show Less” to collapse.
  15. Tap any category to view detailed breakdown with recurring bills and this month’s transactions.
  16. Tap the gear icon to customize which sections are visible.
  17. In Dashboard Settings, customize chart annotations (Highest, Lowest, Negative Balance) under Cashflow Preview.
  18. In Dashboard Settings, drag sections to reorder them on your dashboard.
  19. Each settings section is displayed in its own card for easy navigation.
  20. Use the document icon to access financial reports from any screen.
  21. Use the + button menu to choose between Quick Transaction or Recurring Transaction.
💳 Accounts
  1. Create multiple accounts (e.g., Savings, Bills, Checking).
  2. Each account maintains its own balance.
  3. Set a favorite account as the default for new transactions.
  4. Assign transactions to specific accounts.
  5. View and edit account balances directly from the dashboard.
  6. Tap any account balance on the dashboard to edit it.
  7. Select multiple accounts in Dashboard Settings to show multiple balances.
  8. Manage accounts in Settings → Accounts.
  9. Edit account names and balances anytime.
  10. Only one account can be set as favorite at a time.
🏷️ Categories
  1. Create custom categories for better organization.
  2. Categories can be for expenses, income, or both.
  3. Each category has a unique color for easy identification.
  4. Categories are displayed in alphabetical order when selecting.
  5. Assign categories to transactions when adding or editing.
  6. View category breakdown pie chart on the Dashboard.
  7. Top Spending Categories shows monthly budgets and spending progress.
  8. Tap “Show All” to see all categories or “Show Less” to collapse.
  9. Tap any category to view detailed breakdown.
  10. Category detail shows recurring bills assigned to that category.
  11. Category detail shows this month’s processed transactions.
  12. Progress bar shows how much of the monthly budget has been spent.
  13. Manage categories in Settings → Categories.
🔁 Transactions
  1. Tap the + button to see options for Quick Transaction or Recurring Transaction.
  2. Quick Transaction: Process immediately as a one-time transaction.
  3. Recurring Transaction: Set up repeating bills, deposits, or transfers.
  4. Add bills, deposits, or transfers.
  5. Bills subtract from account balance.
  6. Deposits add to account balance.
  7. Transfers move money between accounts.
  8. Set up recurring transactions with custom frequencies.
  9. Assign transactions to specific accounts.
  10. Assign categories to track spending.
  11. Auto Category Matching: When enabled, suggests a category based on previous transactions with similar names.
  12. Tap “Clear Category” to remove a suggested or selected category.
  13. One-time transactions process immediately.
  14. Recurring transactions automatically schedule next occurrence.
📈 Cash Flow
  1. View projected balance over time with interactive chart.
  2. Chart shows highest, lowest, and negative balance markers (when enabled).
  3. Tap on annotation markers to jump to that transaction.
  4. Customize which markers to show in Cash Flow Settings (gear icon).
  5. Select different time periods (30, 90, or 365 days).
  6. Use the gear icon to set default duration and chart annotations.
  7. All transactions are included in projections.
  8. Modified amounts are reflected in calculations.
💵 Bills Tab
  1. View all upcoming transactions sorted by date.
  2. See assigned category and account for each transaction.
  3. Tap or swipe left on a transaction to edit.
  4. Swipe right to process a transaction.
  5. Use the menu (⋯) to modify, skip, or delete transactions.
  6. Modified transactions are marked with indicators.
  7. Account balance displayed at the bottom (view only).
  8. Edit account balances in Settings → Accounts or from the dashboard.
⏱️ Processing & Modifying
  1. Swipe right on a transaction to process it.
  2. View original and modified amounts if changed.
  3. Process with current amount or adjust it.
  4. Tap or swipe left to modify a transaction.
  5. Choose between editing entire series or single occurrence.
  6. Modified occurrences show both original and new amounts.
  7. Changes only affect selected occurrence or future ones.
  8. Skip option available to move to next occurrence.
📋 Transactions Tab
  1. View all processed transactions chronologically.
  2. Use filters to search by name, category, or date range.
  3. Filter by category to see spending in specific areas.
  4. When filters are active, view total deposits and debits.
  5. Export filtered results to PDF report with the Export button.
  6. Clear filters to return to full transaction history.
  7. Sorted by most recent first.
  8. Shows actual processed amounts.
  9. Swipe left to edit or delete a transaction entry.
  10. Deleting reverses the balance change.
📄 Reports
  1. Access reports from the document icon in the navigation bar on any screen.
  2. Also available from the ellipsis (⋯) menu on the Spending by Category card.
  3. Category Breakdown: View spending breakdown by category with percentages.
  4. Bills Report: List all recurring bills with amounts and frequencies.
  5. Income Report: List all income sources with amounts and frequencies.
  6. Bills & Income Report: Complete overview with net cashflow summary.
  7. Monthly Overview: Comprehensive financial summary with account balances.
  8. Reports open in a preview where you can scroll through the document.
  9. Tap the share icon to save as PDF, print, or share via AirDrop/email.
  10. Reports include the same calculations as your dashboard for consistency.
  11. Transfer transactions from main account are included in monthly bills.
☁️ iCloud Sync
  1. Personal Cashflow automatically syncs across all your iPhones and iPads signed in to the same Apple ID.
  2. Sync uses your private iCloud account — your data never touches our servers.
  3. A small cloud icon appears in the navigation bar while syncing; it stays hidden when sync is idle and healthy.
  4. You may briefly see two copies of new data on the receiving device while sync settles — this resolves automatically within a few seconds.
  5. Updates from another device appear when you open or return to the app. Live updates while the app is in the foreground are limited by Apple's CloudKit framework.
  6. If sync gets stuck, the cloud icon turns red. Tap it to see details and access recovery options.
  7. Reset Cloud Sync (Settings → Sync → Reset Cloud Sync): saves a snapshot of your data, then clears local sync state so iCloud can re-upload everything fresh. Your data is not lost.
  8. Reset Cloud Sync also helps if you ever see duplicate accounts or transactions that won't merge — restore from your latest backup after the reset and the second device will pick up the cleaned state.
  9. Multi-device sharing across different Apple IDs (e.g., spouse) is not yet available; planned for a future release.
⚙️ Settings
  1. Dashboard Settings: Tap gear icon on Dashboard to customize sections.
  2. Each settings section is displayed in its own card for easy navigation.
  3. Drag sections in the “Section Order” card to reorder them on your dashboard.
  4. Select multiple accounts to display balances on the dashboard.
  5. Toggle visibility of each dashboard section independently.
  6. Cash Flow Settings: Tap gear icon on Cash Flow tab to set default duration and chart annotations.
  7. Account Management: Create, edit, and delete accounts.
  8. Set favorite account for default transaction assignment.
  9. Category Management: Create, edit, and delete categories.
  10. Chart Annotations: Toggle Highest, Lowest, and Negative Balance markers in Dashboard and Cash Flow Settings.
  11. Auto Category Matching: Toggle to enable or disable automatic category suggestions when adding transactions.
  12. Appearance: Choose between Light, Dark, or System theme.
  13. All settings are saved automatically.

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