Financial AI Suite – Cashflow Report

📥 Monthly Income

Main Salary (after tax)

Side Hustle / Freelance (monthly average)

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

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

🏠 Monthly Expenses — Needs

Housing (rent/mortgage)

Transport (fuel/parking/toll)

Utilities (electric/water/internet)

Groceries (monthly household)

Insurance Premiums (total monthly for all policies)

🎯 Monthly Expenses — Wants

Entertainment (monthly estimate)

Dining Out (monthly estimate)

Subscriptions (Netflix, Spotify, etc.)

Shopping / Others (monthly estimate)

💳 Debt & Future Planning

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)

📊 Analyze My Cashflow Analyzing...