Use Profile → Cash Flow to record how money comes in, how much the household spends, what it saves, what it pays toward debt, and—when enabled—what it gives. These records feed Goals, Financials, Insurance planning, Taxes, Office summaries, and Guide components.

Cash Flow is the household's planning profile. Transaction-level activity from linked accounts is reviewed separately under Spending.

Cash Flow organizes the profile into Income, Spending, Savings, Debt Payments, and Giving when the household uses that feature. Summary figures are normalized so different input frequencies can be compared.

Always check both the amount and its frequency. A correct dollar amount with the wrong frequency is one of the fastest ways to distort the plan.

Create a separate income record when the owner, tax character, amount, frequency, or timing differs.

Common income types include:

Use the dedicated Pension, Annuity, and Rental Income types for those sources. Use Ordinary Income for another taxable source that does not fit a more specific option. Use Investment Income for items such as interest, dividends, and capital gains. Choose the type that matches how the income should be treated in planning and Taxes.

For each source, confirm:

Kerdora normalizes the amount for annual and monthly summaries. Do not annualize a monthly Social Security benefit and then label the result Monthly. Add a separate Social Security record for each recipient so owner and timing remain clear.

The household spending input represents total spending including debt payments. Kerdora separately totals debt payments from the liability records and calculates Annual Burn so debt is not counted twice in living expenses.

The relationship is:

Total Spending including debt − Current Debt Payments = Annual Burn

Annual Burn feeds planning uses such as the default Retirement spending need. Liquidity can use the household's monthly expenses to establish an emergency-reserve target.

Use a supportable household estimate. If detailed transactions are available, review them in Spending, but do not assume a transaction classification automatically replaces the planning spending value in Profile.

Savings comes from bank and investment accounts with savings configured. Each account can have a flat contribution amount or a percentage-of-income approach, depending on the available account controls.

Confirm:

The Cash Flow Savings view edits the same account contribution information used in Profile Accounts. It does not create a separate savings account.

Employer match is additional modeled savings. Review match tiers and the linked income source on the account. Do not add the same employer amount as a second manual contribution.

Debt Payments comes from Loan and Credit Card liability records. Each row uses the liability's balance, payment amount, and frequency. Kerdora normalizes the payments for Cash Flow totals and subtracts them from total spending when calculating Annual Burn.

If the total looks wrong:

Marking a liability Paid in Full is different from deleting it. Use the option that matches whether you still need the historical or planning record.

Giving appears when enabled for the household. Use it for recurring charitable contributions the household wants included in the plan.

Each entry can include:

Enable Giving because it is relevant to the household's plan, not simply to make every section appear. Review the tax-deductible designation before relying on it in tax planning.

Retirement uses the spending plan, future income, savings, and contribution timing. Gap Analysis compares goal requirements with household savings and cash-flow capacity. Liquidity uses monthly expenses to model the reserve target.

Financials and Office Home summarize income, spending, savings, debt, giving, and surplus or shortfall. If a summary differs from your expectation, return to the source records and frequencies.

Insurance planning can use adult income to calculate replacement needs. Tax scenarios use income type, household facts, and scenario assumptions. Giving can inform tax planning when the record is configured appropriately.

Cash Flow components can show where income goes, savings and debt, giving, surplus, and visual flow. Component settings can change presentation, but they do not change the source Cash Flow records.

Profile Cash Flow is the planning-level set of income, spending, savings, debt, and giving assumptions. Spending is the transaction-level workspace for linked activity, categorization, tags, groups, and rules.

Use Spending to understand what happened in transaction data. Use Profile Cash Flow to confirm the household-level values the planning model should use. Reconcile meaningful differences rather than expecting the two surfaces to match automatically at every moment.

After a correction, reopen the affected Goal, Financials summary, or Guide and confirm that the updated value flowed through as expected.