Client Cash Flow Planning and Analysis

Article Content

---
id: KB-CSH-001
module: cashflow
sub_module: cashflow
title: Client Cash Flow Planning and Analysis
category: how-to
applies_to:
- user_type: advisor
- role: financial_advisor
products:
- IFANOW Wealth Management Platform
platform_area: clients
related_workflows:
- client_financial_planning
- portfolio_analysis
depends_on:
- KB-ACC-001
- KB-INS-001
- KB-LIB-001
access_level: advisor
source: code_extraction
source_files:
- repo: ifanow-futurewise
files:
- CashFlowController.java
- CashFlowService.java
- CashFlowDao.java
last_extracted: '2026-02-17'
confidence: medium
version: 1
tags:
- cash flow planning
- income tracking
- expense management
- liability planning
- monthly distribution
- financial projections
- client budgeting
---

```

## Overview

The Cash Flow Planning feature helps you analyze and project your clients' income, expenses, and liabilities over time to create comprehensive financial plans. This tool integrates with all client assets including deposits, bonds, insurance policies, and loans to provide month-by-month cash flow projections. You can track regular income sources, manage expense budgets, monitor loan payments, and view detailed monthly distributions across different family members and bank accounts.

Key capabilities:
• Add and track multiple income sources with growth rates and distribution patterns
• Create and manage expense budgets with flexible frequency options
• Monitor loan liabilities and EMI schedules
• Generate detailed monthly cash flow projections by family member and bank account
• View yearly and monthly distribution summaries across all financial instruments

## Prerequisites and Access

You need an active IFANOW advisor subscription with client management permissions. Navigate to **Clients** → Select a client → **Financial Planning** → **Cash Flow Analysis** to access these features.

## How-To Steps

### How to Add Client Income

Set up a new income source for comprehensive cash flow planning.

1. Click **Add Income** in the cash flow section
2. Select the **Family Member** from the dropdown
3. Enter the **Monthly Income Amount**
4. Choose **Income Type** (salary, business, rental, etc.)
5. Set **Start Month** and **Start Year** when income begins
6. Set **End Month** and **End Year** when income stops
7. Enter **Growth Rate** percentage for annual increases
8. Add any **Description** for reference
9. Click **Save Income**

The system creates the income record and automatically generates monthly distribution patterns. You'll see confirmation that the income was added successfully.

### How to Edit Existing Income

Modify income details while preserving distribution history.

1. Locate the income in the client's cash flow list
2. Click the **Edit** button next to the income entry
3. Update any fields like monthly amount or growth rate
4. Modify the income duration if needed
5. Click **Update Income**

Changes apply immediately and update all future monthly distributions. Historical data remains unchanged to maintain audit trails.

### How to Adjust Monthly Income Distribution

Fine-tune specific months when income varies from the standard amount.

1. Find the income source in the cash flow view
2. Click **Monthly Distribution**
3. Navigate to the specific year you want to adjust
4. Click **Edit** next to the month requiring changes
5. Enter the **Adjusted Amount** for that month
6. Add notes explaining the variation if needed
7. Click **Save Changes**

The system updates only that specific month while keeping other months at their calculated amounts. This is useful for bonuses, commissions, or irregular income patterns.

### How to Delete an Income Source

Remove an income source that's no longer relevant.

1. Navigate to the client's income list
2. Click the **Delete** button next to the income entry
3. Confirm the deletion in the popup dialog

The system removes the income and all associated monthly distributions immediately. This action cannot be undone, so verify before confirming.

### How to Add Client Expenses

Create expense categories to track regular spending patterns.

1. Click **Add Expense** in the cash flow section
2. Select the **Family Member** responsible for the expense
3. Choose **Expense Category** from the predefined list
4. Enter the **Amount** for each occurrence
5. Set **Frequency** (monthly, quarterly, annually, etc.)
6. Choose **Start Date** when expenses begin
7. Set **End Date** or select ongoing
8. Select **Payment Method** from linked accounts
9. Click **Save Expense**

The system creates the expense budget and generates monthly distributions based on your frequency settings.

### How to Edit Expense Details

Modify existing expense categories and amounts.

1. Locate the expense in the client's expense list
2. Click **Edit** next to the expense entry
3. Update amount, frequency, or other details as needed
4. Adjust the duration or payment method if required
5. Click **Update Expense**

Changes apply to future months only. Past expense records remain unchanged for accurate historical tracking.

### How to Adjust Monthly Expense Distribution

Customize specific months when expenses differ from the budgeted amount.

1. Find the expense category in the cash flow view
2. Click **Monthly Distribution**
3. Select the year you want to modify
4. Click **Edit** next to the month needing adjustment
5. Enter the **Actual Amount** spent that month
6. Click **Save Changes**

This helps track actual spending versus budgeted amounts for better financial planning accuracy.

### How to Delete an Expense Category

Remove expense categories no longer needed.

1. Navigate to the client's expense list
2. Click **Delete** next to the expense entry
3. Confirm deletion in the popup

The system removes the expense budget and all future distributions immediately.

### How to Add Client Liabilities

Track loans and their payment schedules in cash flow planning.

1. Click **Add Liability** in the cash flow section
2. Select the **Family Member** who owns the loan
3. Choose **Loan Type** (home, personal, vehicle, etc.)
4. Enter **Loan Amount** and **Outstanding Balance**
5. Set **Loan Tenure** in months
6. Enter **Commencement Date**
7. Specify **Annual Interest Rate**
8. Set **EMI Amount** or let system calculate automatically
9. Enter **Financial Institution** name
10. Add any **Part Payment** schedules if applicable
11. Click **Save Liability**

The system calculates EMI schedules and integrates payments into monthly cash flow projections.

### How to Edit Liability Details

Update loan information and payment schedules.

1. Find the loan in the liability list
2. Click **Edit** next to the loan entry
3. Modify loan amount, tenure, or interest rate as needed
4. Update part payment schedules if changed
5. Click **Update Liability**

The system recalculates EMI schedules and updates future cash flow projections based on the changes.

### How to Delete a Liability

Remove loans that have been closed or are no longer relevant.

1. Navigate to the client's liability list
2. Click **Delete** next to the loan entry
3. Confirm deletion in the popup dialog

The system removes the loan and all associated EMI schedules from cash flow projections.

### How to View Monthly Cash Flow Summary

Get a comprehensive month-by-month view of all cash flows.

1. Navigate to **Cash Flow Analysis** for the client
2. Select **Monthly View** tab
3. Choose the **Target Date** you want to analyze
4. Review the summary showing:
- All income sources for that month
- All scheduled expenses
- Loan EMI payments due
- Insurance premium payments
- Investment maturities and contributions

The system automatically includes cash flows from all linked accounts, investments, and financial products for a complete picture.

### How to View Cash Flow by Family Member and Bank

Analyze cash flows organized by family member and their bank accounts.

1. Go to **Cash Flow Analysis**
2. Select **Family Member View** tab
3. Choose the **Target Date** for analysis
4. Review the breakdown showing:
- Cash flows grouped by each family member
- Further organized by their linked bank accounts
- Income and expense flows for each account

This view helps identify which accounts will have surplus or deficit and plan accordingly.

### How to View Yearly Distribution Summary

See annual summaries for long-term planning.

1. Navigate to **Cash Flow Analysis**
2. Select **Yearly View** tab
3. Choose **Liability Distribution** or **Expense Distribution**
4. Review yearly totals for:
- Principal and interest payments on loans
- Annual expense totals by category
- Income projections with growth rates applied

This helps with annual budgeting and long-term financial planning.

## Rules and Limits

• Income sources require valid start and end dates with end date after start date
• Monthly income amounts must be greater than zero
• Growth rates can be negative but are typically between 0% and 20% annually
• Expense frequencies must be consistent (can't change from monthly to yearly mid-term)
• Loan tenure must be specified in whole months
• EMI calculations require valid interest rates between 0.1% and 50% annually
• Part payments can only be scheduled for future dates
• Monthly distributions can be edited only for current and future months
• Family members must be defined in the client profile before assigning income or expenses
• Bank accounts must be linked to family members before appearing in distribution views
• All amounts are stored and calculated in the client's base currency
• Deleted income or expense records cannot be recovered
• Monthly distribution edits override automatic calculations for those specific months

## Common Questions

**Q: Can I set different income amounts for different months of the year?**
A: Yes, use the Monthly Distribution feature to adjust specific months while keeping the base monthly amount for regular months.

**Q: What happens to cash flow projections when I delete an income source?**
A: All monthly distributions for that income are immediately removed from future projections, but historical data for completed months remains in reports.

**Q: Can I track variable expenses that don't follow a regular schedule?**
A: Create a monthly expense category and then use Monthly Distribution to adjust individual months with actual amounts spent.

**Q: How does the system handle loan prepayments in cash flow planning?**
A: Add part payments when creating or editing the liability, and the system automatically adjusts future EMI schedules and outstanding balances.

**Q: Can I see which bank accounts will have cash shortfalls in upcoming months?**
A: Use the Family Member and Bank view to see projected cash flows for each account and identify potential shortfalls before they occur.

## Troubleshooting

**Problem:** Income addition fails with "unsuccessful" message
**Cause:** Required fields like family member, income type, or dates are missing or invalid
**Fix:** Ensure all mandatory fields are filled, dates are in correct format, and family member exists in the client profile

**Problem:** Monthly distribution shows no data for a specific year
**Cause:** No income sources or expenses are active during that year period
**Fix:** Check that income start/end dates overlap with the year you're viewing, or add income sources for that period

**Problem:** Expense distribution editing shows "unsuccessful" message
**Cause:** Trying to edit past months that are locked, or invalid amount entered
**Fix:** Only edit current and future months, ensure amounts are positive numbers

**Problem:** Liability EMI calculation appears incorrect
**Cause:** Interest rate entered as whole number instead of percentage, or invalid loan tenure
**Fix:** Enter interest rate as percentage (e.g., 8.5 for 8.5%), verify tenure is in months not years

**Problem:** Bank-wise cash flow view shows empty results
**Cause:** Family members don't have linked bank accounts in their profiles
**Fix:** Go to client profile and ensure each family member has at least one bank account mapped

**Problem:** Cash flow projections missing investment-related flows
**Cause:** Investments like FDs, RDs, or insurance policies are not properly linked to family members
**Fix:** Verify all investments have correct family member assignments and bank account mappings

## Related Features

This feature integrates with several other platform modules:
- **Account Management** (KB-ACC-001) - Links bank accounts and deposits for cash flow calculations
- **Insurance Management** (KB-INS-001) - Includes premium payments and maturity proceeds
- **Liability Management** (KB-LIB-001) - Integrates loan EMIs and other payables
- **Client Profile Management** - Uses family member definitions and bank account mappings
- **Investment Portfolio** - Includes systematic investment plans and redemptions in projections

Edit Article

---
id: KB-CSH-001
module: cashflow
sub_module: cashflow
title: Client Cash Flow Planning and Analysis
category: how-to
applies_to:
- user_type: advisor
- role: financial_advisor
products:
- IFANOW Wealth Management Platform
platform_area: clients
related_workflows:
- client_financial_planning
- portfolio_analysis
depends_on:
- KB-ACC-001
- KB-INS-001
- KB-LIB-001
access_level: advisor
source: code_extraction
source_files:
- repo: ifanow-futurewise
  files:
  - CashFlowController.java
  - CashFlowService.java
  - CashFlowDao.java
last_extracted: '2026-02-17'
confidence: medium
version: 1
tags:
- cash flow planning
- income tracking
- expense management
- liability planning
- monthly distribution
- financial projections
- client budgeting
---

```

## Overview

The Cash Flow Planning feature helps you analyze and project your clients' income, expenses, and liabilities over time to create comprehensive financial plans. This tool integrates with all client assets including deposits, bonds, insurance policies, and loans to provide month-by-month cash flow projections. You can track regular income sources, manage expense budgets, monitor loan payments, and view detailed monthly distributions across different family members and bank accounts.

Key capabilities:
• Add and track multiple income sources with growth rates and distribution patterns
• Create and manage expense budgets with flexible frequency options
• Monitor loan liabilities and EMI schedules
• Generate detailed monthly cash flow projections by family member and bank account
• View yearly and monthly distribution summaries across all financial instruments

## Prerequisites and Access

You need an active IFANOW advisor subscription with client management permissions. Navigate to **Clients** → Select a client → **Financial Planning** → **Cash Flow Analysis** to access these features.

## How-To Steps

### How to Add Client Income

Set up a new income source for comprehensive cash flow planning.

1. Click **Add Income** in the cash flow section
2. Select the **Family Member** from the dropdown
3. Enter the **Monthly Income Amount**
4. Choose **Income Type** (salary, business, rental, etc.)
5. Set **Start Month** and **Start Year** when income begins
6. Set **End Month** and **End Year** when income stops
7. Enter **Growth Rate** percentage for annual increases
8. Add any **Description** for reference
9. Click **Save Income**

The system creates the income record and automatically generates monthly distribution patterns. You'll see confirmation that the income was added successfully.

### How to Edit Existing Income

Modify income details while preserving distribution history.

1. Locate the income in the client's cash flow list
2. Click the **Edit** button next to the income entry
3. Update any fields like monthly amount or growth rate
4. Modify the income duration if needed
5. Click **Update Income**

Changes apply immediately and update all future monthly distributions. Historical data remains unchanged to maintain audit trails.

### How to Adjust Monthly Income Distribution

Fine-tune specific months when income varies from the standard amount.

1. Find the income source in the cash flow view
2. Click **Monthly Distribution** 
3. Navigate to the specific year you want to adjust
4. Click **Edit** next to the month requiring changes
5. Enter the **Adjusted Amount** for that month
6. Add notes explaining the variation if needed
7. Click **Save Changes**

The system updates only that specific month while keeping other months at their calculated amounts. This is useful for bonuses, commissions, or irregular income patterns.

### How to Delete an Income Source

Remove an income source that's no longer relevant.

1. Navigate to the client's income list
2. Click the **Delete** button next to the income entry
3. Confirm the deletion in the popup dialog

The system removes the income and all associated monthly distributions immediately. This action cannot be undone, so verify before confirming.

### How to Add Client Expenses

Create expense categories to track regular spending patterns.

1. Click **Add Expense** in the cash flow section
2. Select the **Family Member** responsible for the expense
3. Choose **Expense Category** from the predefined list
4. Enter the **Amount** for each occurrence
5. Set **Frequency** (monthly, quarterly, annually, etc.)
6. Choose **Start Date** when expenses begin
7. Set **End Date** or select ongoing
8. Select **Payment Method** from linked accounts
9. Click **Save Expense**

The system creates the expense budget and generates monthly distributions based on your frequency settings.

### How to Edit Expense Details

Modify existing expense categories and amounts.

1. Locate the expense in the client's expense list
2. Click **Edit** next to the expense entry
3. Update amount, frequency, or other details as needed
4. Adjust the duration or payment method if required
5. Click **Update Expense**

Changes apply to future months only. Past expense records remain unchanged for accurate historical tracking.

### How to Adjust Monthly Expense Distribution

Customize specific months when expenses differ from the budgeted amount.

1. Find the expense category in the cash flow view
2. Click **Monthly Distribution**
3. Select the year you want to modify
4. Click **Edit** next to the month needing adjustment
5. Enter the **Actual Amount** spent that month
6. Click **Save Changes**

This helps track actual spending versus budgeted amounts for better financial planning accuracy.

### How to Delete an Expense Category

Remove expense categories no longer needed.

1. Navigate to the client's expense list
2. Click **Delete** next to the expense entry
3. Confirm deletion in the popup

The system removes the expense budget and all future distributions immediately.

### How to Add Client Liabilities

Track loans and their payment schedules in cash flow planning.

1. Click **Add Liability** in the cash flow section
2. Select the **Family Member** who owns the loan
3. Choose **Loan Type** (home, personal, vehicle, etc.)
4. Enter **Loan Amount** and **Outstanding Balance**
5. Set **Loan Tenure** in months
6. Enter **Commencement Date**
7. Specify **Annual Interest Rate**
8. Set **EMI Amount** or let system calculate automatically
9. Enter **Financial Institution** name
10. Add any **Part Payment** schedules if applicable
11. Click **Save Liability**

The system calculates EMI schedules and integrates payments into monthly cash flow projections.

### How to Edit Liability Details

Update loan information and payment schedules.

1. Find the loan in the liability list
2. Click **Edit** next to the loan entry
3. Modify loan amount, tenure, or interest rate as needed
4. Update part payment schedules if changed
5. Click **Update Liability**

The system recalculates EMI schedules and updates future cash flow projections based on the changes.

### How to Delete a Liability

Remove loans that have been closed or are no longer relevant.

1. Navigate to the client's liability list
2. Click **Delete** next to the loan entry
3. Confirm deletion in the popup dialog

The system removes the loan and all associated EMI schedules from cash flow projections.

### How to View Monthly Cash Flow Summary

Get a comprehensive month-by-month view of all cash flows.

1. Navigate to **Cash Flow Analysis** for the client
2. Select **Monthly View** tab
3. Choose the **Target Date** you want to analyze
4. Review the summary showing:
   - All income sources for that month
   - All scheduled expenses
   - Loan EMI payments due
   - Insurance premium payments
   - Investment maturities and contributions

The system automatically includes cash flows from all linked accounts, investments, and financial products for a complete picture.

### How to View Cash Flow by Family Member and Bank

Analyze cash flows organized by family member and their bank accounts.

1. Go to **Cash Flow Analysis**
2. Select **Family Member View** tab
3. Choose the **Target Date** for analysis
4. Review the breakdown showing:
   - Cash flows grouped by each family member
   - Further organized by their linked bank accounts
   - Income and expense flows for each account

This view helps identify which accounts will have surplus or deficit and plan accordingly.

### How to View Yearly Distribution Summary

See annual summaries for long-term planning.

1. Navigate to **Cash Flow Analysis**
2. Select **Yearly View** tab
3. Choose **Liability Distribution** or **Expense Distribution**
4. Review yearly totals for:
   - Principal and interest payments on loans
   - Annual expense totals by category
   - Income projections with growth rates applied

This helps with annual budgeting and long-term financial planning.

## Rules and Limits

• Income sources require valid start and end dates with end date after start date
• Monthly income amounts must be greater than zero
• Growth rates can be negative but are typically between 0% and 20% annually
• Expense frequencies must be consistent (can't change from monthly to yearly mid-term)
• Loan tenure must be specified in whole months
• EMI calculations require valid interest rates between 0.1% and 50% annually
• Part payments can only be scheduled for future dates
• Monthly distributions can be edited only for current and future months
• Family members must be defined in the client profile before assigning income or expenses
• Bank accounts must be linked to family members before appearing in distribution views
• All amounts are stored and calculated in the client's base currency
• Deleted income or expense records cannot be recovered
• Monthly distribution edits override automatic calculations for those specific months

## Common Questions

**Q: Can I set different income amounts for different months of the year?**
A: Yes, use the Monthly Distribution feature to adjust specific months while keeping the base monthly amount for regular months.

**Q: What happens to cash flow projections when I delete an income source?**
A: All monthly distributions for that income are immediately removed from future projections, but historical data for completed months remains in reports.

**Q: Can I track variable expenses that don't follow a regular schedule?**
A: Create a monthly expense category and then use Monthly Distribution to adjust individual months with actual amounts spent.

**Q: How does the system handle loan prepayments in cash flow planning?**
A: Add part payments when creating or editing the liability, and the system automatically adjusts future EMI schedules and outstanding balances.

**Q: Can I see which bank accounts will have cash shortfalls in upcoming months?**
A: Use the Family Member and Bank view to see projected cash flows for each account and identify potential shortfalls before they occur.

## Troubleshooting

**Problem:** Income addition fails with "unsuccessful" message  
**Cause:** Required fields like family member, income type, or dates are missing or invalid  
**Fix:** Ensure all mandatory fields are filled, dates are in correct format, and family member exists in the client profile

**Problem:** Monthly distribution shows no data for a specific year  
**Cause:** No income sources or expenses are active during that year period  
**Fix:** Check that income start/end dates overlap with the year you're viewing, or add income sources for that period

**Problem:** Expense distribution editing shows "unsuccessful" message  
**Cause:** Trying to edit past months that are locked, or invalid amount entered  
**Fix:** Only edit current and future months, ensure amounts are positive numbers

**Problem:** Liability EMI calculation appears incorrect  
**Cause:** Interest rate entered as whole number instead of percentage, or invalid loan tenure  
**Fix:** Enter interest rate as percentage (e.g., 8.5 for 8.5%), verify tenure is in months not years

**Problem:** Bank-wise cash flow view shows empty results  
**Cause:** Family members don't have linked bank accounts in their profiles  
**Fix:** Go to client profile and ensure each family member has at least one bank account mapped

**Problem:** Cash flow projections missing investment-related flows  
**Cause:** Investments like FDs, RDs, or insurance policies are not properly linked to family members  
**Fix:** Verify all investments have correct family member assignments and bank account mappings

## Related Features

This feature integrates with several other platform modules:
- **Account Management** (KB-ACC-001) - Links bank accounts and deposits for cash flow calculations
- **Insurance Management** (KB-INS-001) - Includes premium payments and maturity proceeds
- **Liability Management** (KB-LIB-001) - Integrates loan EMIs and other payables
- **Client Profile Management** - Uses family member definitions and bank account mappings
- **Investment Portfolio** - Includes systematic investment plans and redemptions in projections

Changes from Previous Version

--- 
+++ 
@@ -2,163 +2,272 @@
 
 ## Overview
 
-The Cash Flow Management feature allows financial advisors to comprehensively track, analyze, and project a client's income and expenses across multiple time periods. This tool provides a complete view of money flowing in and out of a client's financial life, helping advisors create accurate financial plans and identify cash flow patterns.
-
-• Track multiple income sources with growth rates and seasonal variations
-• Manage expenses by category with flexible frequency options
-• Monitor loan payments and liability obligations
-• Generate monthly and yearly cash flow projections
-• Analyze cash flow timing for optimal financial planning
+The Cash Flow Planning feature helps you analyze and project your clients' income, expenses, and liabilities over time to create comprehensive financial plans. This tool integrates with all client assets including deposits, bonds, insurance policies, and loans to provide month-by-month cash flow projections. You can track regular income sources, manage expense budgets, monitor loan payments, and view detailed monthly distributions across different family members and bank accounts.
+
+Key capabilities:
+• Add and track multiple income sources with growth rates and distribution patterns
+• Create and manage expense budgets with flexible frequency options
+• Monitor loan liabilities and EMI schedules
+• Generate detailed monthly cash flow projections by family member and bank account
+• View yearly and monthly distribution summaries across all financial instruments
 
 ## Prerequisites and Access
 
-**Required Access:** Active IFANOW subscription with client management permissions and financial advisor role.
-
-**Navigation:** Client Dashboard → Select Client → Financial Planning → Cash Flow Analysis
-
-You must have an existing client profile set up before accessing cash flow features. Family member information should be completed for accurate income and expense attribution.
+You need an active IFANOW advisor subscription with client management permissions. Navigate to **Clients** → Select a client → **Financial Planning** → **Cash Flow Analysis** to access these features.
 
 ## How-To Steps
 
 ### How to Add Client Income
 
-Add new income sources to track regular earnings and their projected growth.
-
-1. Navigate to Cash Flow Analysis and click "Add Income"
-2. Select the family member who receives this income
-3. Choose income type (salary, business income, rental income, etc.)
-4. Enter monthly income amount and start/end periods
-5. Set growth rate and frequency (annual, monthly, or custom)
-6. Configure any seasonal variations or bonus payments
-7. Click "Save Income" to add to the client's profile
-
-The income will appear in the income list and be included in all cash flow projections. Monthly distribution calculations will automatically adjust based on your growth rate settings.
-
-### How to Track Monthly Expenses
-
-Record and categorize client expenses with flexible scheduling options.
-
-1. Go to Cash Flow Analysis and select "Add Expense"
-2. Choose the family member responsible for this expense
-3. Select expense category (housing, transportation, utilities, etc.)
-4. Enter expense amount and payment frequency
-5. Set start date and duration (ongoing or specific end date)
-6. Choose payment method and any recurring patterns
-7. Save the expense entry
-
-The expense will be added to monthly projections and can be modified through the monthly distribution editor if spending patterns change.
-
-### How to Add Loan Liabilities
-
-Track loan payments and their impact on monthly cash flow.
-
-1. Navigate to Cash Flow Analysis and click "Add Liability"
-2. Select the family member responsible for the loan
-3. Choose loan type (home loan, personal loan, credit card, etc.)
-4. Enter loan amount, interest rate, and tenure
-5. Input commencement date and payment frequency
-6. Add any planned part-payments or prepayment schedules
-7. Click "Save Liability" to include in cash flow calculations
-
-EMI calculations will be automatically computed if not provided. The loan will appear in monthly outflow projections until the maturity date.
-
-### How to Edit Monthly Cash Flow Distribution
-
-Adjust specific monthly amounts when actual cash flow differs from projections.
-
-1. Access Cash Flow Analysis and select "Monthly Distribution"
-2. Choose the year and income/expense item to modify
-3. Click on the specific month showing different actual amounts
-4. Enter the revised cash flow amount for that month
-5. Add notes explaining the variance if needed
-6. Save changes to update the monthly projection
-
-Modified amounts will be flagged as edited and won't be overwritten by automatic calculations. This allows you to maintain accuracy when client circumstances change temporarily.
-
-### How to Generate Monthly Cash Flow Summary
-
-Create comprehensive month-wise cash flow reports for analysis.
-
-1. Go to Cash Flow Analysis and select "Monthly Summary"
-2. Choose target date and client family members to include
-3. Select whether to include bank account breakdowns
-4. Click "Generate Report" to create the summary
-5. Review income inflows, expense outflows, and net cash flow
-6. Export or save the report for client presentations
-
-The summary includes all asset maturities, insurance premiums, loan payments, and recurring transactions for the selected month, organized by family member and bank account.
-
-### How to View Yearly Cash Flow Projections
-
-Analyze long-term cash flow trends across multiple years.
-
-1. Navigate to Cash Flow Analysis and select "Yearly View"
-2. Choose the client and family members to include
-3. Select projection period (typically 5-10 years)
-4. Review yearly income growth and expense escalation
-5. Analyze liability payment schedules and completion dates
-6. Identify years with cash flow surpluses or shortfalls
-
-This view helps identify when major financial goals can be achieved and when additional income or expense management may be needed.
+Set up a new income source for comprehensive cash flow planning.
+
+1. Click **Add Income** in the cash flow section
+2. Select the **Family Member** from the dropdown
+3. Enter the **Monthly Income Amount**
+4. Choose **Income Type** (salary, business, rental, etc.)
+5. Set **Start Month** and **Start Year** when income begins
+6. Set **End Month** and **End Year** when income stops
+7. Enter **Growth Rate** percentage for annual increases
+8. Add any **Description** for reference
+9. Click **Save Income**
+
+The system creates the income record and automatically generates monthly distribution patterns. You'll see confirmation that the income was added successfully.
+
+### How to Edit Existing Income
+
+Modify income details while preserving distribution history.
+
+1. Locate the income in the client's cash flow list
+2. Click the **Edit** button next to the income entry
+3. Update any fields like monthly amount or growth rate
+4. Modify the income duration if needed
+5. Click **Update Income**
+
+Changes apply immediately and update all future monthly distributions. Historical data remains unchanged to maintain audit trails.
+
+### How to Adjust Monthly Income Distribution
+
+Fine-tune specific months when income varies from the standard amount.
+
+1. Find the income source in the cash flow view
+2. Click **Monthly Distribution** 
+3. Navigate to the specific year you want to adjust
+4. Click **Edit** next to the month requiring changes
+5. Enter the **Adjusted Amount** for that month
+6. Add notes explaining the variation if needed
+7. Click **Save Changes**
+
+The system updates only that specific month while keeping other months at their calculated amounts. This is useful for bonuses, commissions, or irregular income patterns.
+
+### How to Delete an Income Source
+
+Remove an income source that's no longer relevant.
+
+1. Navigate to the client's income list
+2. Click the **Delete** button next to the income entry
+3. Confirm the deletion in the popup dialog
+
+The system removes the income and all associated monthly distributions immediately. This action cannot be undone, so verify before confirming.
+
+### How to Add Client Expenses
+
+Create expense categories to track regular spending patterns.
+
+1. Click **Add Expense** in the cash flow section
+2. Select the **Family Member** responsible for the expense
+3. Choose **Expense Category** from the predefined list
+4. Enter the **Amount** for each occurrence
+5. Set **Frequency** (monthly, quarterly, annually, etc.)
+6. Choose **Start Date** when expenses begin
+7. Set **End Date** or select ongoing
+8. Select **Payment Method** from linked accounts
+9. Click **Save Expense**
+
+The system creates the expense budget and generates monthly distributions based on your frequency settings.
+
+### How to Edit Expense Details
+
+Modify existing expense categories and amounts.
+
+1. Locate the expense in the client's expense list
+2. Click **Edit** next to the expense entry
+3. Update amount, frequency, or other details as needed
+4. Adjust the duration or payment method if required
+5. Click **Update Expense**
+
+Changes apply to future months only. Past expense records remain unchanged for accurate historical tracking.
+
+### How to Adjust Monthly Expense Distribution
+
+Customize specific months when expenses differ from the budgeted amount.
+
+1. Find the expense category in the cash flow view
+2. Click **Monthly Distribution**
+3. Select the year you want to modify
+4. Click **Edit** next to the month needing adjustment
+5. Enter the **Actual Amount** spent that month
+6. Click **Save Changes**
+
+This helps track actual spending versus budgeted amounts for better financial planning accuracy.
+
+### How to Delete an Expense Category
+
+Remove expense categories no longer needed.
+
+1. Navigate to the client's expense list
+2. Click **Delete** next to the expense entry
+3. Confirm deletion in the popup
+
+The system removes the expense budget and all future distributions immediately.
+
+### How to Add Client Liabilities
+
+Track loans and their payment schedules in cash flow planning.
+
+1. Click **Add Liability** in the cash flow section
+2. Select the **Family Member** who owns the loan
+3. Choose **Loan Type** (home, personal, vehicle, etc.)
+4. Enter **Loan Amount** and **Outstanding Balance**
+5. Set **Loan Tenure** in months
+6. Enter **Commencement Date**
+7. Specify **Annual Interest Rate**
+8. Set **EMI Amount** or let system calculate automatically
+9. Enter **Financial Institution** name
+10. Add any **Part Payment** schedules if applicable
+11. Click **Save Liability**
+
+The system calculates EMI schedules and integrates payments into monthly cash flow projections.
+
+### How to Edit Liability Details
+
+Update loan information and payment schedules.
+
+1. Find the loan in the liability list
+2. Click **Edit** next to the loan entry
+3. Modify loan amount, tenure, or interest rate as needed
+4. Update part payment schedules if changed
+5. Click **Update Liability**
+
+The system recalculates EMI schedules and updates future cash flow projections based on the changes.
+
+### How to Delete a Liability
+
+Remove loans that have been closed or are no longer relevant.
+
+1. Navigate to the client's liability list
+2. Click **Delete** next to the loan entry
+3. Confirm deletion in the popup dialog
+
+The system removes the loan and all associated EMI schedules from cash flow projections.
+
+### How to View Monthly Cash Flow Summary
+
+Get a comprehensive month-by-month view of all cash flows.
+
+1. Navigate to **Cash Flow Analysis** for the client
+2. Select **Monthly View** tab
+3. Choose the **Target Date** you want to analyze
+4. Review the summary showing:
+   - All income sources for that month
+   - All scheduled expenses
+   - Loan EMI payments due
+   - Insurance premium payments
+   - Investment maturities and contributions
+
+The system automatically includes cash flows from all linked accounts, investments, and financial products for a complete picture.
+
+### How to View Cash Flow by Family Member and Bank
+
+Analyze cash flows organized by family member and their bank accounts.
+
+1. Go to **Cash Flow Analysis**
+2. Select **Family Member View** tab
+3. Choose the **Target Date** for analysis
+4. Review the breakdown showing:
+   - Cash flows grouped by each family member
+   - Further organized by their linked bank accounts
+   - Income and expense flows for each account
+
+This view helps identify which accounts will have surplus or deficit and plan accordingly.
+
+### How to View Yearly Distribution Summary
+
+See annual summaries for long-term planning.
+
+1. Navigate to **Cash Flow Analysis**
+2. Select **Yearly View** tab
+3. Choose **Liability Distribution** or **Expense Distribution**
+4. Review yearly totals for:
+   - Principal and interest payments on loans
+   - Annual expense totals by category
+   - Income projections with growth rates applied
+
+This helps with annual budgeting and long-term financial planning.
 
 ## Rules and Limits
 
-• All income entries must have valid start and end dates within reasonable planning horizons
-• Monthly income amounts cannot be negative, but adjustments can be made through monthly distribution editing
-• Expense frequencies are limited to daily, weekly, monthly, quarterly, and annually options
-• Loan EMI calculations require positive loan amounts, valid interest rates, and tenure periods
-• Growth rates for income are capped at reasonable limits to prevent unrealistic projections
-• Family member assignments are required for all income and expense entries
-• Monthly distribution edits can only be made for current and future periods, not historical data
-• Liability calculations automatically include principal and interest components based on loan terms
-• Cash flow summaries are limited to single-month views to maintain performance
-• Bank account linking is optional but recommended for accurate cash flow tracking
+• Income sources require valid start and end dates with end date after start date
+• Monthly income amounts must be greater than zero
+• Growth rates can be negative but are typically between 0% and 20% annually
+• Expense frequencies must be consistent (can't change from monthly to yearly mid-term)
+• Loan tenure must be specified in whole months
+• EMI calculations require valid interest rates between 0.1% and 50% annually
+• Part payments can only be scheduled for future dates
+• Monthly distributions can be edited only for current and future months
+• Family members must be defined in the client profile before assigning income or expenses
+• Bank accounts must be linked to family members before appearing in distribution views
+• All amounts are stored and calculated in the client's base currency
+• Deleted income or expense records cannot be recovered
+• Monthly distribution edits override automatic calculations for those specific months
 
 ## Common Questions
 
-**Can I track irregular income like bonuses or commissions?**
-Yes, use the monthly distribution feature to add bonus amounts in specific months, or set up separate income entries for variable components with appropriate frequency settings.
-
-**How do I handle expenses that vary seasonally?**
-Create separate expense entries for seasonal variations or use the monthly distribution editor to adjust specific months where spending differs from the base amount.
-
-**Can I see which bank account will be used for each transaction?**
-Yes, the family member and bank-wise cash flow report shows projected inflows and outflows organized by bank account for better cash management.
-
-**What happens when a loan is paid off early?**
-Edit the loan liability to include part-payments or prepayments. The system will automatically adjust future EMI calculations and remove payments after the revised maturity date.
-
-**How accurate are the growth rate projections?**
-Growth rate calculations are applied consistently, but you should review and adjust them annually based on actual income changes and economic conditions affecting your client.
+**Q: Can I set different income amounts for different months of the year?**
+A: Yes, use the Monthly Distribution feature to adjust specific months while keeping the base monthly amount for regular months.
+
+**Q: What happens to cash flow projections when I delete an income source?**
+A: All monthly distributions for that income are immediately removed from future projections, but historical data for completed months remains in reports.
+
+**Q: Can I track variable expenses that don't follow a regular schedule?**
+A: Create a monthly expense category and then use Monthly Distribution to adjust individual months with actual amounts spent.
+
+**Q: How does the system handle loan prepayments in cash flow planning?**
+A: Add part payments when creating or editing the liability, and the system automatically adjusts future EMI schedules and outstanding balances.
+
+**Q: Can I see which bank accounts will have cash shortfalls in upcoming months?**
+A: Use the Family Member and Bank view to see projected cash flows for each account and identify potential shortfalls before they occur.
 
 ## Troubleshooting
 
-**Problem:** "Expense not added successfully" error appears
-**Cause:** Required fields like family member, amount, or frequency are missing
-**Fix:** Ensure all mandatory fields are completed, verify the amount is positive, and check that start/end dates are valid
-
-**Problem:** Monthly distribution shows zero amounts
-**Cause:** Income or expense period doesn't overlap with the selected month
-**Fix:** Check the start and end dates of the income/expense entry and verify the selected month falls within the active period
-
-**Problem:** Cash flow summary shows no data
-**Cause:** No active income, expenses, or liabilities exist for the selected date
-**Fix:** Verify that income and expense entries have valid date ranges covering the target month, and check that family member selections are correct
-
-**Problem:** Loan EMI calculation appears incorrect
-**Cause:** Invalid interest rate, tenure, or loan amount entered
-**Fix:** Verify all loan parameters are positive numbers, check that tenure is in months, and ensure interest rate is entered as a percentage
-
-**Problem:** Cannot edit monthly distribution amounts
-**Cause:** Trying to edit historical periods or locked entries
-**Fix:** Monthly edits are only allowed for current and future months. Historical adjustments require creating new entries or modifying the original income/expense parameters
+**Problem:** Income addition fails with "unsuccessful" message  
+**Cause:** Required fields like family member, income type, or dates are missing or invalid  
+**Fix:** Ensure all mandatory fields are filled, dates are in correct format, and family member exists in the client profile
+
+**Problem:** Monthly distribution shows no data for a specific year  
+**Cause:** No income sources or expenses are active during that year period  
+**Fix:** Check that income start/end dates overlap with the year you're viewing, or add income sources for that period
+
+**Problem:** Expense distribution editing shows "unsuccessful" message  
+**Cause:** Trying to edit past months that are locked, or invalid amount entered  
+**Fix:** Only edit current and future months, ensure amounts are positive numbers
+
+**Problem:** Liability EMI calculation appears incorrect  
+**Cause:** Interest rate entered as whole number instead of percentage, or invalid loan tenure  
+**Fix:** Enter interest rate as percentage (e.g., 8.5 for 8.5%), verify tenure is in months not years
+
+**Problem:** Bank-wise cash flow view shows empty results  
+**Cause:** Family members don't have linked bank accounts in their profiles  
+**Fix:** Go to client profile and ensure each family member has at least one bank account mapped
+
+**Problem:** Cash flow projections missing investment-related flows  
+**Cause:** Investments like FDs, RDs, or insurance policies are not properly linked to family members  
+**Fix:** Verify all investments have correct family member assignments and bank account mappings
 
 ## Related Features
 
-This feature integrates with several other IFANOW modules to provide comprehensive financial planning:
-
-• **Account Management** - Links bank accounts to income and expense entries for accurate cash flow tracking
-• **Insurance Planning** - Includes insurance premiums in monthly expense calculations and maturity benefits in income projections  
-• **Investment Portfolio** - Incorporates investment maturities, dividends, and systematic investment amounts in cash flow analysis
-• **Goal Planning** - Uses cash flow projections to determine feasibility and timing of financial goals
-• **Tax Planning** - Considers tax implications of income sources and deductible expenses in net cash flow calculations
+This feature integrates with several other platform modules:
+- **Account Management** (KB-ACC-001) - Links bank accounts and deposits for cash flow calculations
+- **Insurance Management** (KB-INS-001) - Includes premium payments and maturity proceeds
+- **Liability Management** (KB-LIB-001) - Integrates loan EMIs and other payables
+- **Client Profile Management** - Uses family member definitions and bank account mappings
+- **Investment Portfolio** - Includes systematic investment plans and redemptions in projections