Financial AI Suite – Cashflow Report

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Cashflow Report

Analyze your monthly income, spending, debt, and future contributions using the 50/30/20 rule

📥 Monthly Income

Enter every amount as a monthly net (take-home, after tax) figure so the income, ratios and 50/30/20 guideline below all compare like with like.

Main Salary (monthly take-home, after tax & EPF/SOCSO)

Side Hustle / Freelance (monthly average)

Dividends / Passive Income (monthly — rental, dividends, etc.)

Spouse Income (optional — monthly take-home pay if married)

🏠 Monthly Expenses — Needs

Enter each expense once. Your housing instalment belongs in Housing only — do not repeat it under debt repayments.

Housing (rent or full monthly mortgage instalment)

Transport (fuel/parking/toll)

Utilities (electric/water/internet)

Groceries (monthly household)

Insurance Premiums (total monthly for all policies)

Annual / Occasional Expenses (monthly average — enter the yearly total ÷ 12; school fees, zakat, road tax & insurance, festive, medical, car service, balik kampung)

🎯 Monthly Expenses — Wants

Entertainment (monthly estimate)

Dining Out (monthly estimate)

Subscriptions (Netflix, Spotify, etc.)

Shopping / Others (monthly estimate)

💳 Debt & Future Planning

⚠️ Debt repayments here must exclude your housing instalment (already entered under Needs) — otherwise your surplus and ratios will be understated.

Debt Repayments (credit card, personal loan, PTPTN, car loan - exclude housing already counted above)

Savings Contribution (monthly cash savings or emergency fund top-up)

Investment Contribution (unit trust, ASB, stocks, crypto, etc.)

Retirement Contribution (PRS, EPF top-up, pension, or retirement fund)

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Analyzing Your Cashflow Data

Our AI is crunching the numbers and generating personalized insights

Initializing... 0%

1 Validating your inputs

2 Calculating financial metrics

3 AI analyzing your data

4 Generating personalized report

5 Preparing final results