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Accurate cash flow reporting

MichaelCortese

I am looking to see my actual cash flow. This is slightly different than my expenses mainly because money paid in principal to my mortgage is not counted as an expense (which is correct). When I run the cash flow report, it excludes this if I exclude transfers. If I include transfers, it is a mess. It double counts things. For example, I charge $100 for groceries I get $100 under groceries and then $100 for paying the credit card bill (if in same period). If I try "Exclude internal" that is not correct either.

Looking at it a different way, I want starting net worth - ending net worth - unrealized capital gains.

How can I do this?

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Accepted answers

Sherlock

On the Cash Flow report, I suggest you customize the report to use Exclude Internal transfers and uncheck the accounts on the Accounts tab whose transfers you want to include. For example, do not check the mortgage account and the principal flow will be included.

Now, the change in net worth excluding unrealized gains is not the same as cash flow. I suggest you use a customize Net Worth report to obtain the net worths exclusive of the unrealized gains for the desired dates and perform the math.

All comments

UKR

Not sure about reports, but I get acceptable results in my Budget view when I add my mortgage account to the budget.

Image: https://us.v-cdn.net/6031128/uploads/editor/zb/mnun9l1oa63c.png

In the Budgets view click Manage Budget Categories, then select Transfers Out and click to put a checkmark next to your mortgage account. This will take care of the principal amount and any optional Additional Principal amount of your monthly payment.

Also add the Escrow account, if you have one, and the Interest category used for your interest portion of the monthly payment and you've got your mortgage payment covered.

Sherlock

MichaelCortese

Thanks for the response. That worked. Very unintuitive to uncheck things you want to include.

Jim_Harman

I like to think of the selected accounts as a group with a circle around it.

With Exclude internal Transfers selected, everything that crosses the the boundary - deposits, withdrawals, and transfers to other accounts - can be included in the report. You can narrow it down further by un-checking categories or payees.

donaldw

I use the Cash Flow Report included in previous Quicken Editions, but not the DeLuxe Version. Please make that available. This is the Table which shows by month the amount of cash flow by Category and Sub Category. I prefer the one year's data on one table. Any way can I get this version to produce that? or do I have to do a data dance with Excel?

J_Mike

630-728-3545 said:

I use the Cash Flow Report included in previous Quicken Editions, but not the DeLuxe Version. Please make that available. This is the Table which shows by month the amount of cash flow by Category and Sub Category. I prefer the one year's data on one table. Any way can I get this version to produce that? or do I have to do a data dance with Excel?

In QWin Dlx, take a look at Reports > Banking > Cash Flow.
Set Row to Category
Set Columns to Month

You can also set Date Range, Accounts, etc.

See if this is what you are looking for.