Track cash sitting in an investment account
Include CAD and USD cash alongside investments, so your account total is not missing uninvested funds.
Read guide →Cashflow Pilot help centre
How can we help?
Follow a guided learning path, learn a practical task, or find a quick answer for Personal, Portfolio or Business.
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Search guide titles, topics and steps. Try “dividends”, “HST”, “sync conflict” or “cash transfer”.
Common questions
Browse by task
Learn what you need, in a useful order
Begin with the essentials, then go deeper when you are ready.
Everyday money
Start with transactions, then categories, balances and a budget.
Investments
Understand holdings, cash and currency before judging performance.
Business bookkeeping
Keep imported activity separate from reviewed accounting entries.
Account and safety
Protect your information before importing, syncing or moving devices.
Migrating from another app
Use the separate migration tools rather than normal statement imports.
All guides
What would you like to do?
Choose a topic below, or use search to find a specific answer.
Understand portfolio prices, currencies and exchange rates
Find out why a CAD portfolio can move when your USD security price stays unchanged.
Read guide →Make sense of portfolio history and performance
Understand the difference between a change in account value, investment returns, deposits and missing history.
Read guide →Portfolio value does not match your broker: checklist
Work through a holdings, cash, quote-date and currency mismatch without rewriting your investment history.
Read guide →Close your business books for the month: checklist
Review pending transactions, bank statements, invoices, liabilities and reports before handing a month to your accountant.
Read guide →Manage a USD bank account without losing the USD ledger
Keep foreign-currency banking activity in its original currency and understand the separate CAD reporting view.
Read guide →Review foreign-currency adjustments at year-end
Understand the purpose of USD receivable and payable revaluation, review rates and avoid duplicate journal adjustments.
Read guide →Run and review Canadian payroll step by step
Prepare one pay period, review employee deductions, verify totals and understand what finalizing a run does.
Read guide →Track payroll deductions and remittances
Understand payroll liabilities, remittance records and matching a CRA payment to the books without assuming filing is automatic.
Read guide →Prepare payroll year-end records and workpapers
Review employee year-to-date amounts, remittances, T4/T5 workpapers and what still requires filing outside Cashflow Pilot.
Read guide →Review overdue customer invoices and amounts owing
Understand accounts receivable aging, match payments and follow up without recording the same cash receipt twice.
Read guide →Read your Chart of Accounts, ledger and journal entries
Understand how reviewed business activity affects accounts and how to inspect a journal without changing bank balances twice.
Read guide →Your first 15 minutes: Personal
Set up an account, import a statement and review the first transactions.
Read guide →Your first 15 minutes: Portfolio
Add your first holdings and understand prices, currency and cash.
Read guide →Your first business month: from setup to review
Set up accounts, review Pending activity and close a first month.
Read guide →Reconcile a statement: a worked example
Work through a $50 statement-balance difference step by step.
Read guide →Move from YNAB to Cashflow Pilot
Bring in compatible YNAB data without losing track of what did not migrate.
Read guide →Move from Actual Budget to Cashflow Pilot
Preview an Actual Budget Export Data ZIP and reconcile the result.
Read guide →Move your bookkeeping from QuickBooks
Move accounting history safely using the separate Business migration tools.
Read guide →Protect your data: sync, backups and recovery
Understand sign-in, Cloud Sync, backups and moving devices.
Read guide →Troubleshoot a problem
Find safe checks for wrong balances, duplicates, sync and other issues.
Read guide →Get started with Cashflow Pilot
Set up your first account and see your finances in one place.
Read guide →Import bank and credit card transactions
Choose a statement, review duplicate warnings, transfers and refunds, then compare balances.
Read guide →Create a budget and plan ahead
Set spending goals and see whether upcoming bills fit your plans.
Read guide →Connect a bank (optional)
Connect a supported account if you prefer not to import every statement by hand.
Read guide →Track your investments
See holdings and investment account values together.
Read guide →Set up your business
Add your business details and start keeping your books organized.
Read guide →Match your books to your bank statement
Check that the transactions in Cashflow Pilot agree with your statement.
Read guide →Use Cloud Sync on your devices
Understand optional sync, what stays local and what to do when records conflict.
Read guide →Back up and restore your data
Save a full financial ZIP and separate Business Documents ZIP before restoring.
Read guide →Prepare your business records for year-end
Prepare a cleaner accountant handoff, including reconciled bank ledgers, foreign currency, payroll and supporting documents.
Read guide →Organize your transactions
Make spending and income reports more useful by giving transactions the right categories.
Read guide →Keep track of recurring bills
See bills and regular income coming up, and keep your cash-flow forecast realistic.
Read guide →Move Cashflow Pilot to a new device
Bring your information across without losing important records.
Read guide →When your balance doesn't match
Find date, duplicate and amount-sign issues with a worked statement example.
Read guide →Fix missing or duplicate transactions
Clean up transactions that were imported twice or did not appear.
Read guide →Understand your cash-flow forecast
See what could be coming in and going out, and why the forecast may change.
Read guide →Check your portfolio's value
A complete checklist for checking quantities, statement dates, uninvested cash, currency and price differences.
Read guide →Create and keep track of invoices
Record what a customer owes, review invoices and track payments.
Read guide →Record expenses and transfers correctly
Keep spending, transfers and credit-card payments from getting mixed up.
Read guide →Share records with your accountant
Prepare a usable accountant package with journals, ledgers, reconciliations, payroll workpapers and supporting documents.
Read guide →When Cloud Sync isn't updating
Simple things to check if changes have not appeared on another device.
Read guide →Make your Home dashboard yours
Choose which information appears on your Home dashboard and put the most useful cards first.
Read guide →Understand foreign currencies in Portfolio
Learn how a USD holding or bank balance displays in CAD and why dates and exchange rates matter.
Read guide →Get started with Canadian payroll
Follow the full Canadian payroll workflow from employee setup through finalized pay runs, liabilities and government remittances.
Read guide →Choose a budgeting method
Use flexible monthly spending targets, or try zero-based budgeting when you want to give available money a specific purpose.
Read guide →How to create a Flexible Spending Targets budget
A worked monthly example: set targets, review spending, and adjust your plan.
Read tutorial →How to use Zero-Based Budgeting (Beta)
A complete example: confirm cash, assign money, fund credit-card payments, and cover overspending.
Read tutorial →Move from YNAB or Actual Budget
Bring compatible accounts and transactions from another budgeting app, with a preview before you import.
Read guide →How category suggestions improve
See when Cashflow learns, how saved rules win and why mixed-use merchants need review.
Read guide →Explore spending with custom reports
Build a Personal report around the question you want to answer, and save useful report layouts.
Read guide →Record investment deposits and transfers without double counting
Follow money moving between cash and investment accounts, distinguish transfers from gains, and compare your statement after the move.
Read guide →Understand dividends, distributions and cash in Portfolio
Use a brokerage statement to distinguish dividend income, reinvestments, return of capital and available account cash.
Read guide →Review a business bank or credit-card statement import
Check imported rows before posting them: duplicates, splits, transfers, HST and the difference between Pending and Posted.
Read guide →Match customer payments to business invoices
Work through a simple accounts-receivable example and avoid recording a deposit as income twice.
Read guide →Review GST/HST before preparing a business return
Check sales tax settings, expenses and supporting reports without assuming the app files or pays a return for you.
Read guide →What to do when devices show different financial data
A safe, reversible checklist for stale devices, pending sync changes and conflicts before you try anything destructive.
Read guide →Understand credit-card purchases, payments and refunds
Avoid counting a credit-card payment as a second expense, and use the statement to check card balances.
Read guide →A 20-minute monthly personal-finance checkup
Use one repeatable review to keep imports, categories, budgets, bills and forecasts reliable.
Read guide →Review category suggestions and correct merchant matches
Use examples to distinguish a useful suggestion from a rule that misclassifies personal or business activity.
Read guide →Organize investment accounts, owners and account cash
Separate owners and account types while reconciling holdings, brokerage cash and currency totals.
Read guide →Business categories versus Chart of Accounts: a practical guide
Follow a business purchase from bank import to category, ledger account and journal to avoid misposting.
Read guide →Review repeating customer invoices without sending duplicates
Plan recurring billing, check invoice numbers and payments, and avoid duplicate accounts receivable.
Read guide →Track business equipment and prepare a CCA workpaper
Keep purchase invoices, book depreciation and Canadian tax CCA calculations separate for year-end review.
Read guide →Collect useful troubleshooting details without sharing private financial data
Prepare release details, a reproducible example and safe screenshots before asking for support.
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Check the support page for contact details and troubleshooting resources.