Open Money in and out (opens in a new tab) from the sidebar to see how money flows from income into your accounts and out to bills. Opening it needs a household permission of its own, plus read access to income, bills, and assets — the page has no data of its own, so any change you make from it goes through Income, Bills, or Debts instead. Owner and spouse/partner have this by default; a child needs it granted from Custom permissions. Without it, the shortcut is hidden and the page asks for access instead of loading. The page starts with a 30-day estimate and lets you choose any date for up to 365 days, including today. The 7, 14, 30, 60, and 90 days shortcuts set common ranges. The styled calendar supports month navigation, a date grid, a Today button, and keyboard navigation; it shows the full weekday and date. Income appears on the left, accounts in the middle, and bills on the right on desktop. On a phone, the same flow stacks vertically. The details panel uses the available width: it sits beside the flow only when there is room, and otherwise opens full-width above it. On narrow windows and tablets it starts collapsed so the flow gets the available space; closing it reclaims that space. Choose Review in the risk banner to reopen the panel.
Use Show through to choose the end date. Dates are shown in order; undated bills follow dated payments and are sorted by amount. Same-day deposits are applied before payments, and today is treated as pending.
Click an income, account, or payment to isolate its connected items. With a focus selected, income totals use visible connected income, starting cash uses visible known cash accounts (not card debt), and payment totals include all focused dated payments, including payments beyond the visible list limit. Account card balances remain full-forecast balances. Click the same item again, or choose Show all, to restore the overall totals. Items with zero movement and undated bills are hidden by default; choose Show inactive items to reveal them. When no item is selected, this toggle leaves overall totals unchanged. Missing setup remains available in Missing details.
The Missing details and Funding gaps tabs explain what needs attention. Red warnings show a projected cash or credit-limit shortage; amber warnings show missing details. Users with update access can repair existing records in the anchored panel; read-only users can open the linked Income, Bills or Debts page. A credit card with no payment setup asks How do you pay this card?: pick In full each month or I carry a balance, then Paid from and Due day, and select Save.
The estimate uses current account snapshots and recurring schedules. Existing emergency-fund accounts are shown as reserves, but the page does not assign a reserve automatically.
In Funding gaps, each account shows how short it runs and when, with the balance changes behind it. When several accounts are short, choose one from the account name at the top. How to fix it lists the options:
- Charged to a card or bank instead? For a digital wallet, the forecast assumes payments use the recorded wallet balance. Pick the account that really pays the bill under Pays from, then select Save.
- Wallet actually has money in it? Select Update wallet balance.
- Move money in first. Choose an account under From, an Amount and a Date, then select Add to forecast. The money goes into the short account. What-if transfers are temporary planning entries and do not move money or change saved balances. Once they cover every gap, they stay listed so you can remove them.
FAQ
How far ahead can I look?
Show through lets you choose an end date within the next 365 days, including today. The default is 30 days. Use the 7, 14, 30, 60, or 90 days shortcuts for common ranges.
What does the forecast include?
It starts with your current account snapshots and applies entered recurring income and bills. Checking, savings, money market, digital wallet, and credit-card accounts can appear in the flow. It does not include investment growth, unentered variable expenses, interest accrual, settlement delays, or unscheduled retirement withdrawals.
What happens when I select an item?
Selecting an income, account, or payment filters the lane totals to the connected items. Income totals use the visible connected income, starting cash uses visible known cash accounts, and payment totals use all focused dated payments. Account card balances remain full-forecast balances. Click the item again or choose Show all to restore the overall totals. Show inactive items alone does not change totals.
What do red and amber warnings mean?
A red banner marks a projected cash funding gap or credit-limit gap based on the balances and schedules you entered. An amber banner marks missing account links, dates, amounts, or a credit card whose payment isn't set up yet. The banner appears only when there is a gap or missing detail to review, with a **Review** link that opens the details panel.
Can I fix missing details from this page?
Users with update access can repair existing income and bill links and recurring dates from the anchored panel. For a credit card, choose how you pay it, the account it's paid from and its due day; **More options** opens the card on the Debts page. Read-only users can follow the links to Income, Bills or Debts. The public demo is read-only.
How are credit card payments shown?
Bills charged to a card are spending on the card. On the card's due day, it's paid from its **Paid from** account: the whole balance if you pay in full each month, or that month's charges if you carry a balance. An extra payment you set on the card is paid on top. A card with no payment setup yet shows under **Missing details** and asks **How do you pay this card?**
Do what-if transfers move money?
No. What-if transfers are temporary plans on this page. They are marked not saved, never execute transfers, and clear when you change household, navigate away, or reload.
How does the flow fit on smaller screens?
The layout responds to the available content width. Three columns appear only when there is room; otherwise income, accounts, and bills stack with routing labels. On narrow windows and tablets, the details panel starts closed and reclaims the full flow width. Open it from the **Review** link in the risk banner to see details above the flow; close it to reclaim that width again. Your open or closed choice stays while the window resizes.