🎯 What Each Figure Counts

StatementLock reports money in several places, and they don't all count the same thing. That's deliberate. "What did I spend?" and "what moved through my checking account?" are different questions with different answers. This page says what each figure covers.

The Overview figures

Three of the figures at the top of the Overview tab — Income, Expenses and Net Cash Flow — cover every spending account whose statement you've loaded. That means your checking accounts and your credit cards together. The fourth, CC Payments, is different, and the next section explains it.

They're based on which direction money moved rather than on what you spent it on. Anything that came in counts toward Income; anything that went out counts toward Expenses. A charge on a credit card is money out, so it counts as an expense, the same as a debit from checking. One kind of row is left out regardless of direction, and that's next.

Net Cash Flow is Income minus Expenses.

Card payments are counted once, not twice

When you pay your credit card, that single payment appears twice across your statements: leaving your checking account, and arriving on your card. Counting both would show the money leaving twice over.

So both sides are left out of Income, Expenses and Net Cash Flow. The card's charges were already counted as expenses when you made them; the payment settles the bill rather than being new spending. That's what pass-through, not an expense means on the CC Payments card. The CC Payments figure shows what left your checking accounts, so the payment is shown once.

A payment is left out when its row is categorised Credit Card Payment. Built-in patterns assign that category, and they keep running even if you switch built-in categorisation off. They're patterns, though, and they don't cover every issuer's wording. If a payment is described in a way they don't match, that row isn't recognised and the credit counts toward Income instead.

You can set it yourself. Click the category badge on the row and choose Credit Card Payment, or click 🔧 New on the row to open the Rule Builder and write a rule for it. Either works, and both the Overview figures and the AI report will then leave the row out. Until you do, that credit counts as Income — and a card payment is often the largest credit on a statement, so it's worth a look.

What Income includes

Income here means money that came in, not money you earned. Two things land there that you might not expect.

A refund on a credit card is a credit, so it counts as money in rather than reducing what you spent in that category. Net Cash Flow is unaffected, because the refund offsets the original charge — but the Income and Expenses lines each read higher than the underlying activity.

And an unrecognised card payment, as above. Money moved in from another account you own also counts — see below.

Money moved in from your other accounts

If you move money into checking from another account you own — a brokerage, a savings account, an account at another bank — that deposit counts toward Income.

StatementLock reads each statement on its own and has no way to tell that a deposit came from another account you own. Nothing on your checking statement says so. It reports what your statements show.

So a large transfer in will raise Income without anything being wrong. If your Income looks higher than what you earned, that's usually why.

The Cash Flow tab counts something different

The Cash Flow tab is not another view of the Overview figures, and it will usually show different numbers. That's by design.

Cash Flow covers your checking accounts only. It's a view of cash moving through checking: what arrived, what left, and the difference. Card payments are kept out of those figures for the same reason as above, and shown in their own list further down the tab. The heading says (Checking) when you have a checking account loaded, and the subtitle says the same.

Two things follow. Card charges aren't in it — buying something with a credit card doesn't move money out of checking that day, so it appears in the Overview's Expenses but not here. And transfers between your own accounts are in it — money arriving in checking from another of your accounts is cash arriving in checking, whatever its source.

So the two tabs answer different questions. The Overview asks what came in and went out across all your spending accounts. Cash Flow asks what moved through checking. Neither corrects the other, and a difference between them isn't an error.

Statements you haven't loaded

Every figure here covers the statements you've loaded and nothing else. If you have a credit card whose statement isn't loaded, that card's spending isn't counted anywhere.

The app doesn't estimate what's missing. A statement it doesn't have is absent from its data too, so there's no number it could honestly show.