Operating Cash Flow (OCF)
The change in your cash position from income and spending, with transfers stripped out.
Operating cash flow measures the change in net cash attributable to income and spending alone. Movements between your own accounts are excluded, since a transfer from savings to checking changes neither what was earned nor what was spent.
That exclusion is what makes it comparable across months. Without it, a single large transfer would swamp the signal, and a household topping up checking from savings would appear to be earning money.
Promi computes it over 30, 90 and 180 days at once, because a single window cannot separate a seasonal effect from a trend. December running negative while the 90 and 180-day figures stay positive describes something different from all three turning down together.
Worked through
Three horizons, one household
A negative month sitting inside two positive longer windows.
- 30 days
- -$800
- 90 days
- +$2,400
- 180 days
- +$6,100
The 180-day figure averages roughly $1,020 a month. One negative month does not move it much, which is the point of reading all three.
Where this lives in Promi
Cash Flow page. OCF across three time horizons.
Related in Cash Flow & Runway
See your own operating cash flow (ocf)
Promi computes this from your linked accounts, with the definition one click from the number.
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