Profile Cash Flow is the household's current financial engine in Kerdora. Income, employee savings, spending, debt payments, Giving, and taxes flow into planning calculations, but they do not all affect every Goal in the same way.

Use this article when a Goal or retirement result changes after a cash-flow edit, or when a number appears to be counted twice.

Open a client and choose Profile → Cash Flow. The workspace includes:

Each record needs the correct amount, frequency, owner or entity, and timing. Kerdora converts frequencies and dates before using the values in annual or monthly planning views.

Kerdora uses current income and employee-funded savings when it builds household cash flow. If the client has no manual total-spending override, the stored spending amount is derived from income after employee savings, enabled Giving, and taxes. Debt payments are part of total spending and can be separated to calculate annual burn.

Employer match is not a household expense. It can increase retirement-account funding without reducing the household's spendable cash.

The Mo and Yr controls change presentation between monthly and annual amounts. They do not change the underlying records.

The Retirement Goal uses household and account data across time, including:

An income record that ends at retirement can support today's household cash flow without continuing into retirement. A Social Security or pension record that starts later can appear only when its start timing is reached. Review the Retirement table when a Chart result is surprising; the table exposes the year-by-year income, spending, savings, and gap.

Goal Gap Analysis compares household resources with the savings required for Goals. Current income, employee savings, Giving, taxes, annual burn, and debt payments affect the household-capacity side of that comparison. Account assignments and each Goal's required savings affect the target side.

Employer match can reduce the employee-funded retirement savings gap without appearing as cash the household must fund. That distinction explains why a Retirement Goal can improve while current household cash flow stays unchanged.

An account contribution can appear in household savings but still be missing from one Goal if Goal Mapping does not assign that account's savings to the Goal. Check Goals → Goal Mapping before changing the source contribution.

Taxes uses household, income, account, contribution, and scenario inputs. The selected tax scenario can use imported tax-return values, current Profile facts, and manual planning assumptions, so the result is not always a direct copy of the Cash Flow page.

Pre-tax workplace contributions and payroll HSA contributions can affect tax modeling based on the account subtype and payroll setting. Before entering a manual adjustment, check whether the selected scenario's wage or tax-return amount already reflects that contribution. Entering the same reduction twice understates taxable income.

Use Taxes to confirm the scenario treatment; use Profile Cash Flow and account savings to maintain the source planning records.

Dividends, interest, or capital-gain distributions count as cash-flow income only when an Investment Income record exists. Use that record when the amount is an actual household cash flow that should appear in Profile.

Link an Investment Income record to its source account when the field is available. In a Retirement Goal, Kerdora excludes linked investment income when that same account is assigned to the Goal, because the account's projected return already includes its yield. This prevents the retirement projection from adding the same portfolio earnings as both investment growth and a separate income line.

Unlinked investment income, or income linked to an account that is not assigned to the Retirement Goal, remains a separate retirement income line. Profile Cash Flow still shows the stored income record because it describes current cash flow. Do not enter reinvested market growth as spendable income unless it truly belongs in household cash flow.

Employee 401(k), 403(b), TSP, and similar contributions belong in the account's Savings section under Profile → Accounts. They are not Income records.

Employer match belongs in the account's Employer match section. It is not a second Income record and should not be added to the employee savings amount.

When a contribution looks like income in a downstream result, check for an extra income record, confirm the account subtype, and verify the tax scenario's wage source.

A Profile spending change affects the household's current cash-flow picture and can change a Retirement Goal's spending need, Goal Gap Analysis, liquidity measures, Financials, Visualize, and Guide components that use spending.

A Goal can also carry a planning-specific spending assumption. When the Retirement result does not match Profile spending, review the Goal's spending inputs and any scenario or override before editing Profile again.

Debt payments deserve the same check. A liability payment contributes to total spending but is separated from annual burn so Kerdora can show debt service distinctly.

Use this sequence before creating an override:

The result is fixed when the source record is correct and the downstream table reflects the intended amount, timing, and assignment.

An advisor maintains full Profile and planning inputs. A client can update the Profile and portal data exposed to that household and can see visible Guide output, but the client does not receive Goal Mapping, full planning assumptions, Financials, Visualize, or the Guide editor.

Review client-visible Guides after a material cash-flow change. Live Guide components can update from the saved data, while the advisor's surrounding explanation may still need revision.

Profile Cash Flow does not decide whether a client expense, tax treatment, contribution, or income classification is professionally appropriate. It applies the records and assumptions entered in Kerdora.

Profile Cash Flow also does not replace Goal Mapping or Goal-specific assumptions. Use source records for household facts, Goal Mapping for resource allocation, and a Goal's inputs for intentional planning scenarios.