What do the Summary Cash Flow columns mean?
Where to find it: TIME MACHINE results → Summary Cash Flow
Cash In shows external income and withdrawals from accounts, with borrowing where applicable. External income includes entered incomes and calculated benefits such as CPP/QPP and OAS. Account withdrawals are shown separately because they use assets already in the plan.
Cash Out includes spending, taxes, account deposits and loan payments. Spending is not the same as all cash out: moving money to savings or repaying principal does not consume it as a living expense.
Net savings summarizes accumulation or withdrawals directed through accounts and debt. Positive net savings indicates accumulation or repayment; a negative amount indicates that withdrawals and borrowing exceed deposits and loan payments for the period. Zero is an outcome, not a separate target input.
Net worth is the value of accounts and property less debt. Select a year to open its details and reconcile the totals. The first year may be partial; use Year Check-in when you want to distinguish elapsed-year activity from the remaining-year projection.