# Budget totals explained

Income, Expenses and Savings compare your categories with your budget, while Net Cashflow is all money in minus all money out.

## What Income, Expenses and Savings show

On a budget, **Income**, **Expenses** and **Savings** show how much went through the budget's income, expense and saving categories in the period. The amount you budgeted is under each one.

![A budget's Income, Expenses and Savings totals above its Net Cashflow, Ins and Outs](https://treasury.sh/help/budget-cashflow.webp)

## What Ins, Outs and Net Cashflow show

On a budget, **Ins** is all money coming in and **Outs** is all money going out. Both include the budget's categories and uncategorized transactions. **Net Cashflow** is Ins minus Outs.

For example, if $2,000 comes in and $1,500 goes out, Net Cashflow is +$500. These are example amounts.

## Why Ins can be higher than Income

On a budget, Ins counts incoming money in any of the budget's categories, plus uncategorized deposits. Income counts only the budget's income categories. So a refund in an expense category, or an uncategorized deposit, adds to Ins but not to Income.

## Why Net Cashflow isn't your bank balance

A budget's Net Cashflow covers only the period, accounts, categories and tags that budget includes. It can't explain a change in your total bank balance.

Each period stands on its own: one month's Net Cashflow isn't carried into the next. To see another period, see [Choose the period a budget shows](https://treasury.sh/help/budget-insights#period).

## If transfers make budget totals look too high

Moving money between your own accounts can count as both money in and money out. **Settings → Preferences → Handle Internal Transfers** decides what happens to transfers Treasury detects:

- **Leave Unreviewed** marks them for you to review, and they still count toward totals.
- **Exclude from Budget** keeps them out of budget totals.
- **Auto-Delete** moves them to Trash, where they stay for 30 days unless you empty it.

> [!NOTE]
> Excluded and deleted transactions never count toward budget totals. Putting a transaction in a Savings category doesn't remove it from Ins or Outs.

## If two budget totals don't match

Two budgets show different totals when they include different periods, categories, tags or accounts. Before deciding a total is wrong, open each budget and compare those settings.

Currencies can change a total too: see [Budgets in another currency](https://treasury.sh/help/currencies#budgets) and [If an amount says not converted](https://treasury.sh/help/currencies#not-converted).

## Get help with budget totals

Treasury AI can look through the transactions behind a budget total with you. Ask it why a total looks off. You can also open **Help & feedback** at the bottom of the sidebar, or in **Settings** on a phone. See [What never to send](https://treasury.sh/help/contact-support#safety).

---

Open Budgets in Treasury: https://app.treasury.sh/budgets

Page: https://treasury.sh/help/budget-totals

Last checked against the app: 2026-11-04