Use Financials → Cash Flow to see where household income is expected to go and whether the current plan produces a surplus or deficit. Use Financials → Liquidity to measure accessible resources, estimated runway, and progress toward liquidity goals.

Choose Planned, then switch between Annual and Monthly. The summary shows income, taxes, savings, spending, and the resulting surplus or deficit. Where income goes displays those relationships visually, while the statement shows the underlying lines. Cash flow ratios show savings, debt, housing, and giving as a share of gross income when applicable.

Choose Open cash flow inputs to correct saved income, savings, spending, debt, taxes, or giving. A deficit means modeled outflows exceed modeled income for the selected period; it does not by itself identify which source is wrong.

Choose Actual to review the actual cash-flow statement built from available spending transaction data. Planned and actual answer different questions: Planned uses the client’s modeled plan inputs, while Actual uses recorded transaction activity and its selected reporting period. Do not expect them to match automatically.

The Liquidity page shows:

Technical liquidity separates accessible sources and shows their amount and share. Runway compares bank cash, taxable investments, and the total with monthly outflows. These are planning estimates, not guarantees of immediate proceeds.

Liquidity measures the household’s recorded accessible resources. A liquidity goal records the intended reserve or near-term need and compares its current funding with its target. The client can have accessible assets without a liquidity goal, or a liquidity goal that is not fully funded.

Review bank and taxable investment accounts, balances, plan inclusion, and household spending with debt. Taxable investments may involve market changes, taxes, fees, or settlement time. The runway calculation is a gross planning estimate; it is not a promise that every asset can be converted to spendable cash immediately.