Financial Overview
Spending by Account
Tax Estimation Center
Tax Parameters
Tax Summary
Enter parameters and click Update to see results.
Data Analytics
Category Breakdown
Spending Trends
Cycle Pacing & Forecast
Ledger (Shift-click pivot rows to toggle all)
Add Manual Transaction
| Date | Description | Category | Sub-Cat | Account | Amount |
|---|
Uncategorized Transactions
Banking transactions without a category assigned. Click any row to categorize.
| Date | Description | Account | Amount |
|---|
Import Bank Statements
Drag & Drop your CSV here
or click to browse from your device
Learning Model Rules
| Keyword | Category | Sub-Category | Tags | Retirement |
|---|
Settings & Danger Zone
Setup
First Time User Instructions:
- Navigate to the Import CSV tab from the sidebar.
- Select the correct Import Mode (e.g., Normal Bank Statement).
- Select your Account Target. Ensure you map the statement to the correct account type.
- Drag and drop your bank's CSV statement or click to upload.
- Navigate to the Ledger to review and manually categorize unassigned transactions.
- Go to the Rules tab and click Train Model from Ledger to save your manual categories for future imports.
Definitions for Critical Inputs:
- Account Target (Inverted vs Standard): Credit card statements often export expenses as positive values. Marking an account target as "Inverted" (e.g., AMEX, VISA) securely flips the calculation so expenses correctly register as negative net flows.
- Import Mode (Historical vs Raw): "Historical CSV" is strictly exclusively for importing bulk legacy data utilizing our structured template. Always use "Normal Bank Statement" for standard monthly bank CSVs.
- Retirement Value (Y/N): An optional tag applied in the ledger. Designating an entry with 'Y' intelligently isolates the related cash flow from standard discretionary dashboard tracking.
- Smart Consolidate: An automated algorithm within the Rules engine that cleans up duplicate keyword targeting across the rules dataset.
License & Feature Control
Manage your active license tier to unlock automated CSV statement imports, rules categorization, and investment suites.
Velocent CashFlow Pro
Primary cash flow analytics, velocity tracking & forecasting web app.
Select LicenseFinancial Suite Bundle
Velocent CashFlow Pro + Statement Converter Pro PDF support tool.
Complete SuiteCommunity Edition
Web-only manual budgeting essentials.
Select TierApp Capabilities
Enable or disable specific modules to customize your workspace.
Account Management
Account Type Manager
Manage the list of editable account types (e.g. Emergency, Retirement, HSA, ESPP) available for categorizing your accounts.
Data Maintenance
Re-run the categorization engine across all your bank transactions using your current ruleset. This will update both Categories and Subcategories based on your current learning model.
App Data Backup & Portability
Export your financial data and settings to a portable JSON backup file, or restore a previously saved backup. Check the boxes below to select the categories you want to include in the operation.
Danger Zone
Erase specific modules or completely reset your local database. These actions cannot be undone.
Banking Data
Delete all bank transactions, learning rules, and checking/savings/credit card accounts.
Investments Data
Delete all investment portfolios, stock/options trades, transaction history, and investment accounts.
All Local Data
Perform a complete factory reset. Erase all transactions, accounts, rules, tax setups, and AI config.
Gemini AI Configuration
Configure your Gemini API key to enable automated financial insights and analysis.
Get your key from Google AI Studio.
Personal Profile Settings
We use your birthdate to tailor tax and retirement savings recommendations (such as age-50+ 401(k)/IRA catch-up contributions, HSA catch-up at age 55+, and retirement withdrawal planning). Your data remains 100% private in your browser.
Security Settings
Add a simple layer of security to restrict access to your financial dashboard. The PIN is saved in your browser and will be cleared when you clear browser data.
Customer Feedback & Suggestions
Have a feature request, usability suggestion, or noticed something unexpected? Your feedback directly drives future updates to VeloCents.
Legal & Trademark Disclosures
VeloCents™ Cash Flow Pro™
© 2026 VeloCents™. All rights reserved. Cash Flow Pro™ is a product of Velocents.
AI Financial Insights
Ready for Analysis
Gemini can analyze your spending patterns, tax situation, and investment activity to provide personalized optimization tips.
Investments Overview
Traded Symbols Volume
Trading by Account
Investments Flow (Shift-click pivot rows to toggle all)
Investment Transactions
| Date | Description | Action / Symbol | Trade Comm/Fees | Account | Net Amount |
|---|
Investments Ledger (Shift-click pivot rows to toggle all)
| Date | Description | Action / Symbol | Fees / Comm | Investments | Amount |
|---|
Account Cash Flow (Shift-click pivot rows to toggle all)
Account Transactions
| Date | Description | Category | Sub-Cat | Account | Amount |
|---|
Accounts & Balances
Assets
Liabilities
Job & Career Profile
No Job Profiles Found
Add your current and historical job profiles (salary, 401k savings, tax withholdings, HSA) to track your career compensation trajectory and generate hyper-personalized AI wealth planner insights.
Retirement Planner
Planning Parameters
In-Plan Roth 401(k) / IRA Conversion Tax Estimator
Estimate the ordinary federal income tax impact of converting pre-tax retirement dollars into a tax-free Roth account.
*Note: Pre-tax 401(k) / IRA conversions are added to your ordinary taxable income in the calendar year of conversion. Standard deductions and IRS marginal brackets are applied. State income taxes and local taxes are not included in this federal estimation.
External & Off-App Accounts
Retirement Asset Pools (Income Sources)
| Account Name | Type | Coverage Target | Current Balance |
|---|
Historical Expenses (Tagged Retirement)
| Category / Subcategory | Covered By | Monthly | Quarterly | Semi-Ann. | Annual |
|---|
About CashFlow
Share Feedback & Feature Requests
We are continuously enhancing VeloCents to make your financial tracking seamless, accurate, and completely private. Click below to share your experience, ideas, or report any questions.
Release Notes
Version: v1.8.0
Feature Release — Bulk Ledger Tools & Employment Tagging (v1.8.0):
Welcome to VeloCents v1.8.0! Key updates in this release include:
- Multi-Select Bulk Field Editing
- Employment Income Tagging & Tax Sync
- Interactive Demo Sandbox
Bug Fixes & Improvements:
- Category Filter Fix
- Account Type Manager
- Dropdown Initialization
- Post-Restore Reload
VeloCents™ Cash Flow Pro™
© 2026 VeloCents™. All rights reserved. Cash Flow Pro™ is a product of Velocents.
Financial Advisor Discovery Report
Report Options
* The report will load your local data for the selected assessment year. When you click Export PDF Report, use the browser's print dialog to save as a PDF. Make sure to toggle background graphics on if you want to keep the report's layout colors.
CONFIDENTIAL FINANCIAL DISCOVERY REPORT
1. Executive Summary & Demographics
This summary statement presents a snapshot of the client's current balance sheet and annualized transaction flow compiled from local ledger inputs. The details below are organized to facilitate comprehensive asset, cash flow, and tax planning reviews.
2. Asset & Liability Statement (Balance Sheet)
Assets
| Account Name | Investment Firm | Account Type | Latest Balance |
|---|
Liabilities
| Account Name | Investment Firm | Account Type | Latest Balance |
|---|
3. Income & Cash Flow Statement
Cash Inflows & Earnings Overview
Outflows & Spending Overview
4. Tax Profile & Payroll Withholding
5. Retirement Planning & Long-Term Projections
6. Advisor Discussion Topics & Future Considerations
The following topics cover essential elements of a holistic financial plan that lie outside CashFlow's immediate data boundaries. Discuss these details with your advisor to form a complete long-term strategy:
| Planning Area | Key Details to Provide Your Advisor | Strategic Advisor Consultation Purpose |
|---|---|---|
| 1. Estate Planning & Trusts | Provide copies of Wills, Health Directives, Power of Attorney (POA), and Trust documentation. Outline executor designation and beneficiaries. | Aligns asset distribution with inheritance wishes while bypassing probate delays and minimizing potential estate tax exposure. |
| 2. Debt & Liability Optimization | Provide details on mortgages, student loans, or personal debt (outstanding balance, APR, term length, and variable vs fixed rates). | Advisor analyzes refinancing options, prepayments efficiency vs investing, and optimal debt reduction strategies. |
| 3. Insurance & Risk Management | Provide declaration pages for Term/Whole Life, Long-Term Disability, Home/Auto coverage, and Umbrella liability policies. | Advisor evaluates coverage limits relative to net worth and income to insulate the family portfolio against catastrophic liabilities. |
| 4. Cost-Basis & Tax Lot Selection | Provide investment cost-basis details by specific tax lots (FIFO, LIFO, SpecID lots) in taxable brokerage accounts. | Allows the advisor to construct tax-loss harvesting plans, manage capital gain brackets, and select tax-efficient lots for sales. |
| 5. Real Estate & Alternative Assets | Provide purchase values, mortgage linkages, vehicle VINs, and business or private equity valuations. | Integrates physical property values, illiquid holdings, and deprecating vehicle assets into your overall net worth trajectory. |
| 6. Multi-Scenario Lifestyle Comparisons | Define hypothetical events like purchasing a secondary home, funding higher education, early retirements, or career sabbaticals. | Enables running side-by-side timelines to test the long-term impact of major lifestyle adjustments on retirement depletion. |
| 7. Risk Tolerance & Target Allocation | Complete your advisor's risk tolerance profile questionnaire. List asset class targets (e.g. 80% equities, 20% bonds). | Matches asset selection (equities vs fixed income) with your personal risk boundaries and matches current holdings to targets. |
Appendix: Detailed Cash Flow Itemization
Detailed category and subcategory transaction breakdowns for annualized cash inflows and outflows.
Cash Inflows & Earnings Itemization
| Income Source / Subcategory | Amount |
|---|
Outflows & Spending Itemization
| Expense Category / Subcategory | Amount |
|---|