Kept
0.00% of gross · 0.00
Why this page exists
Kept, not leftover.
What came in, less what was consumed. That remainder is wealth.
What came in, less what was consumed. Add a budget line. Pension and sinking funds are savings, not consumption. Unallocated leftover is free cash — a different number. Not a bank swipe. Not 50/30/20 as a save-gate. Not advice.
- InGross. What arrived this month.
- ConsumedLiving + tax + NI. Gone.
- KeptTrue wealth. Pension and sinking sit here.
Direct statement · calendar month · amounts in your base. Not a bank swipe. Not 50/30/20 as a save-gate. Not advice.
§12.10 · empty register · add a budget line · Household cash-flow statement (direct method). Period is a calendar month. Amounts are in your base currency. Demo default is the 2026-07 plan — not the August grocery overlay. Debt repayment here is the monthly envelope — outstanding lives on Debts. Open Monthly Budget · Open Balance Sheet.
Free cash flow
0.00
Add a budget line to start the statement.
Direct statement
PieceAmountReadingFigure
Consumed
0.00%
0
Kept
0.00%
0
Free cash
0.00%
0
Sinking
0.00%
0
Gross
0.00
Consumed
0.00
Accumulation
0.00
Savings
0.00%
Statutory
0.00
Take-home
0.00
Living
0.00
Spend
0.00
Kept versus leftover
Live from budget lines · add a line
Kept · savings rate
Leftover · free cash %
20% folklore
Solid is kept share. Dashed is leftover. Hairline is 20% folklore, not a gate. The line appears when you pin a month.
Mix appears when live gross is above zero.
Add a budget line. Mix is live. The line is a month you pin.
Leftover
0.00% of gross · 0.00 — not the kept share
Direct statement
1. Cash Inflows
| Action | Category | Name | Amount | % of Gross Income |
|---|---|---|---|---|
| Total Gross | 0.00 | 100.00% |
2. Statutory Deductions & Taxes
| Action | Category | Name | Amount | % of Gross Income |
|---|---|---|---|---|
| Total Deductions · Net take-home 0.00 (0.00%) | 0.00 | 0.00% |
3. Living Expenses & Debt
| Action | Category | Name | Amount | % of Gross Income |
|---|---|---|---|---|
| Total Living | 0.00 | 0.00% |
4. Savings & Investments
| Action | Category | Name | Amount | % of Gross Income |
|---|---|---|---|---|
| Liquid Savings | Unallocated Free Cash Flow | 0.00 | 0.00% | |
| Total cash accumulation | 0.00 | 0.00% |
5. Cash Flow Summary & KPIs
- Free cash flow
- 0.00 · 0.00%
- True wealth accumulation
- 0.00 · 0.00%
- Gross
- 0.00 (100%)
Savings rate is accumulation / gross — the same metric as the dashboard KPI. Free cash is leftover after every outflow. Not 50/30/20 as a save-gate.
Open Monthly Budget — variance bars live there. Same lines, different page.
Close a month to pin savings rate on the timeline.