Cash flow

Cash flow is the money coming into your accounts minus the money going out over a period, usually a month.

By the MonthlyIQ team · Last updated 2026-09-28 · Editorial policy

What is cash flow?

Cash flow is the money coming into your accounts minus the money going out over a period, usually a month.

Positive cash flow means you're building savings; negative means you're drawing them down. It's the simplest health check for household finances.

The personal-finance version of a startup metric — and why it's useful.

Connect your accounts and MonthlyIQ explains your month — what's due, what changed, and what's left.

General information only, not financial, tax, or legal advice. MonthlyIQ is not a bank or financial adviser.