First 3 months free on Basic for new subscribers. First 1 month free on Advanced for new subscribers. Offer ends November 6, 2026. See plans

Cash Flow

Know where your money goes

Paiso sorts your transactions into income, expenses and transfers, then shows how money moves through your accounts.

Cash flow

Income against spending, two ways

View cash flow as a trend over months or as a Sankey chart that follows income into each spending category.

  • Switch between the trend and the Sankey chart
  • See your net savings for any period
  • Select a category to list its transactions
Cash Flow
Sample data

October 2025 to September 2026

Income
$126,600
Expenses
$62,154
Net savings
$64,446
Try it: Move between the Overview, Income, Expenses, Transfers and Budget tabs. Each one works as the app does.

Expenses

Spending by category

A chart breaks your spending into categories. Select a slice to see the transactions behind it.

  • Categories and subcategories you control
  • Filter by account and by date range
  • Cash, credit card, loan and mortgage transactions together
Cash Flow
Sample data
September 2026$5,486

All expenses: 33 transactions

DateDescriptionAmount
Sep 27Elm Street Pharmacy$111.05
Sep 27Metro Transit Pass$51.10
Sep 26Noodle House$79.35
Sep 24Tesla Supercharger$59.15
Sep 24Costco$88.78
Sep 20Maple Home Goods$123.37
Sep 20Zelle to Rosa M. (house cleaning)$120.00
Sep 18Fiberline Internet$70.00
Sep 17Amazon$123.84
Sep 17Northside Clinic$112.59
Sep 15McDonald's$31.64
Sep 14Trailhead Outfitters$55.52
Sep 14Taqueria Sol$28.31
Sep 14Juniper Bistro$79.58
Sep 12Uber$70.99
Sep 12Auto Insurance$142.00
Sep 10Clearwater Utility$56.84
Sep 8Family Dental Care$121.16
Sep 8City Power and Light$153.48
Sep 7Target$118.35
Sep 6Metro Transit Pass$52.15
Sep 6Greenfield Market$151.54
Sep 6Harvest Co-op$89.60
Sep 5McDonald's$49.64
Sep 5Walmart$161.33
Sep 3Home Mortgage Payment$2,650.00
Sep 2City Parking$56.49
Sep 1Amazon$119.15
Sep 1Taqueria Sol$85.35
Sep 1Noodle House$14.93
Sep 1Juniper Bistro$47.02
Sep 1Walmart$95.49
Sep 1Target$115.80
Try it: Move between the Overview, Income, Expenses, Transfers and Budget tabs. Each one works as the app does.

Income and transfers

Income counted once, transfers not at all

Paiso matches the two sides of a transfer between your accounts, so a credit card payment does not count as spending twice.

  • Income by source
  • Transfers matched across accounts
  • Pairs Paiso is unsure of wait for you to link or turn down
  • Transfers left out of your income and your spending
Cash Flow
Sample data

Moved between accounts

$2,935.27

September 2026

Counted as spending

$0.00

Transfers are neutral

Linked pairs

2

2 possible transfers to review

These look like two sides of one movement. Linking them keeps both out of your income and your spending.

  • Joint Checking → Brokerage$1,000.00

    Between your accounts · Sep 28 · ONLINE TRANSFER 4471

  • Emergency Savings → Joint Checking$250.00

    Between your accounts · Sep 12 · TRANSFER FROM SAV

Linked transfers

  • Joint Checking → Rewards Card$2,435.27

    Credit card payment · Sep 25 · Rewards Card Payment

    Linked

  • Joint Checking → Emergency Savings$500.00

    Between your accounts · Sep 16 · Transfer to Emergency Savings

    Linked
Try it: Move between the Overview, Income, Expenses, Transfers and Budget tabs. Each one works as the app does.

Import

Bring in your transactions

Import transactions from CSV, OFX and QFX files on any plan. On Advanced, connect your finances and Paiso imports them for you.

  • CSV, OFX and QFX import on Basic and Advanced
  • Automatic import of transactions, investments and liabilities on Advanced

Monthly budgetAdvanced plan

Set a budget and measure against it

Build a monthly budget by category, grouped into needs, wants, and savings and debt, then see how your actual spending compares.

  • A budget amount per category, filled from your averages
  • Safe to spend, and where your spending should be by today
  • What is left in each category, and a warning as you near the limit
  • Each month graded, and each category against its past months
Cash Flow
Sample data

September 2026

Last 12 monthsOn budgetSlightly overOver budget
OctNovDecJanFebMarAprMayJunJulAugSep

Safe to spend

$679

$5,596 spent of $6,275 · 10 days left

Over pace

Left to assign

$0

Every dollar has a job.

Per day left

$62

for 11 days, today included

Rollover

$0

carried in from earlier months

Needs90%

$4,338

of $4,800 budgeted

Wants78%

$758

of $975 budgeted

Savings & Debt100%

$500

of $500 budgeted

Try it: Move between the Overview, Income, Expenses, Transfers and Budget tabs. Each one works as the app does.

Overview

One dashboard and one portfolio view for every account you own and every debt you owe.

Investments

Track stocks, ETFs, mutual funds, property and other assets alongside everything else.

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