> ## Documentation Index
> Fetch the complete documentation index at: https://docs.budgetbandit.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Income and cash flow reports

> Four reports that show what comes in, what goes out, and how much of your income you keep: Income, Cash Flow, Inflow/Outflow, and Savings Ratio.

Four reports cover the money moving through your accounts. **Income** shows where money comes from. **Cash Flow** and **Inflow / Outflow** compare money in against money out. **Savings Ratio** shows how much of your income you kept.

## Income

Open **Reports**, then **Income**. It groups your inflows by source for the selected date range, so you can see how much came from each income payee.

Use it to:

* Confirm a paycheck or client payment landed.
* Weigh how much of your income comes from a single source.
* Track variable income across the last 3 or 6 months.

## Cash Flow

Open **Reports**, then **Cash Flow**. It plots income against expenses over time, one period at a time, so you can see the months you came out ahead and the months you didn't.

This is the report the question chooser opens for "How am I doing this month?"

## Inflow / Outflow

Open **Reports**, then **Inflow / Outflow**. Same income-versus-expense story as Cash Flow, drawn side by side for each period so the gap between the two bars is the takeaway.

Reach for this when you want the in-versus-out comparison at a glance rather than a running trend.

## Savings Ratio

Open **Reports**, then **Savings Ratio**. It shows the percent of income you kept each month — income minus expenses, divided by income.

This is the report the question chooser opens for "Am I saving enough?"

<Note>
  Transfers between your own accounts are not income or spending, so they don't inflate these reports. Money moving from checking to savings shows up in [Net Worth](/reports/net-worth), not here.
</Note>

## If the numbers look off

* Income looks low — a deposit may be sitting [uncategorized](/transactions/to-review) or miscategorized as a non-income inflow.
* A transfer is counted as income — confirm both legs are linked; see [Transfers](/transactions/transfers).
* Still wrong — see [Budgeting troubleshooting](/troubleshooting/budgeting).

## Related

<CardGroup cols={2}>
  <Card title="Net Worth and balances" icon="arrow-trend-up" href="/reports/net-worth">
    Where saved money actually lands.
  </Card>

  <Card title="Filtering reports" icon="filter" href="/reports/filtering">
    Narrow by date, account, or category.
  </Card>
</CardGroup>