Sample cash flow report
Prepared for the sample Rivera household. Use the toolbar to change reports, move between pages, zoom, or print.
KEEL HOME FINANCEReport · Cash Flow
Cash Flow Report
August 2026
August net cash flow$21.94Whole month
Previous month change$980.89From ($958.95) in July
Monthly average$309.97January, February, March, April, May, June and July
Year to date$2,191.75Since January 1
Projected annual$3,719.64Monthly average × 12
1Statement of Cash Flows
| August | July | Change | |
|---|---|---|---|
| Cash in | |||
| Income | 5,416.00 | 5,416.00 | 0.00 |
| Total cash in | 5,416.00 | 5,416.00 | 0.00 |
| Cash out | |||
| Everyday spending | 3,827.06 | 4,062.74 | (235.68) |
| Loan payments | 1,317.00 | 1,065.00 | 252.00 |
| Cash withdrawals and savings | 250.00 | 930.00 | (680.00) |
| Uncategorized withdrawals | — | 317.21 | (317.21) |
| Total cash out | 5,394.06 | 6,374.95 | (980.89) |
| Net cash flow | 21.94 | (958.95) | 980.89 |
2Cash Flow by Account · August 2026
| Account | Cash in | Cash out | Net cash flow | Transfers, net | Balance Sep 17 |
|---|---|---|---|---|---|
| Harbor Chking ••4021 | 5,416.00 | 5,207.86 | 208.14 | (1,395.33) | 915.47 |
| Summit Checking ••7742 | — | 186.20 | (186.20) | 300.00 | 631.61 |
| credit union | — | — | — | — | 2,424.00 |
| Cash | — | — | — | — | 176.50 |
| Total | 5,416.00 | 5,394.06 | 21.94 | (1,095.33) | 4,147.58 |
Keel Home Finance · Confidential — prepared for the household named abovePage 1 of 3
KEEL HOME FINANCECash Flow Report · August 2026
3Monthly Cash In and Cash Out
5,416
5,121
5,416
5,311
7,258
5,115
5,416
5,189
6,056
5,083
5,416
6,030
5,416
6,375
5,416
5,394
JanuaryFebruaryMarchAprilMayJuneJulyAugust
Cash inCash out
4Comparison to Prior Months
| Period | Cash in | Cash out | Net cash flow |
|---|---|---|---|
| January | 5,416.00 | 5,120.79 | 295.21 |
| February | 5,416.00 | 5,311.25 | 104.75 |
| March | 7,258.00 | 5,115.18 | 2,142.82 |
| April | 5,416.00 | 5,188.90 | 227.10 |
| May | 6,056.00 | 5,083.36 | 972.64 |
| June | 5,416.00 | 6,029.76 | (613.76) |
| July | 5,416.00 | 6,374.95 | (958.95) |
| August | 5,416.00 | 5,394.06 | 21.94 |
| Monthly average · 7 months | 5,770.57 | 5,460.60 | 309.97 |
August is compared with July. Amounts in parentheses are cash outflows in excess of inflows.
Keel Home Finance · Confidential — prepared for the household named abovePage 2 of 3
KEEL HOME FINANCECash Flow Report · August 2026
5Observations
- Cash flow is positive at $21.94, against ($958.95) in July — a gain of $980.89. Cash in is $0.00 higher and cash out is $980.89 lower, led by cash withdrawals and savings (down $680.00), uncategorized withdrawals (down $317.21) and everyday spending (down $235.68).
- Net cash flow was negative in June and July: ($613.76) in June and ($958.95) in July.
- Transfers between the household's own accounts should net to $0.00 and instead net to ($1,095.33). This usually means one side of a transfer is missing, still in transit, or categorized as a transfer when it is income, a refund or a payment.
- Projected annual of $3,719.64 is the monthly average of complete months multiplied by twelve.
6Notes
- Cash flow counts cleared money moving into and out of bank and cash accounts. A credit card purchase is not cash out until the card is paid; the payment is.
- Transfers between the household's own accounts are excluded from cash in and cash out, and are shown separately by account.
- Refunds appear as cash in here, while the Expense Report nets them against the category they reverse.
- Activity dated before an account was connected is excluded, matching the Budget screen.
- Balances shown are current as of September 17.
- Keel records for this household begin January 1, 2026, so year to date and monthly averages cover only the months on record.
- This report is prepared from the household's own records in Keel Home Finance. It is not an audited statement and is not financial or tax advice.
Keel Home Finance · Confidential — prepared for the household named abovePage 3 of 3