> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://help.booksgpt.ai/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# See personal cash flow and recurring bills

Personal **Cash flow** shows money in and money out. **Recurring** is the subscriptions and bills that come back every month. Both live under **Money** in a personal workspace.

|| Moving money between your own accounts is not spending. Paying a credit card from checking is not spending twice. Those are left out of spending until you choose to include them.

## Cash flow

1. Open **All pages** in the left sidebar, then under **Money** click [**Cash flow**](https://app.booksgpt.ai/go/personal-cash-flow).
2. Read income, expenses, and the savings rate for the month.

![Personal Cash Flow with transfers excluded from spending](https://booksgpt.ai/help/personal/cash-flow.png)

- Click **Match transfers** if a transfer between your own accounts was not paired yet.
- Click **Include transfers** only if you truly want those rows in the spending picture.

Numbers follow transactions you already approved in Review.

## Recurring bills

1. Open **All pages**, then under **Money** click **Recurring**.
2. Click **Find recurring** to scan for repeating charges.
3. If a banner says **N candidates to review**, click **Review** and confirm the ones that are real.

![Recurring bills with Find recurring](https://booksgpt.ai/help/personal/recurring.png)

Confirmed items group into **Income**, **Expenses**, and **Credit cards**. Switch between the list and the calendar.

| You can approve a batch of high-confidence matches in one click when BooksGPT is sure.

## Good to know

- Exclude a one-off in Review if it should never count as spending.
- Business cash flow is a different report, under **Reports** > **Cash flow**, and it follows accounting rules. This page is for personal money.