Net cash flow
Net cash flow is income minus spending for a period, after removing transfers between your own accounts.
By the MonthlyIQ team · Last updated 2026-09-28 · Editorial policy
What is net cash flow?
Net cash flow is income minus spending for a period, after removing transfers between your own accounts.
Why it matters
Excluding transfers matters: moving money to savings isn't spending, and paying a credit card isn't new spending.
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General information only, not financial, tax, or legal advice. MonthlyIQ is not a bank or financial adviser.