Operating Cash Flow (OCF)
The change in your cash position from income and spending, with transfers stripped out.
Operating cash flow is income minus spending over a window, taken from transactions. Transfers between your own accounts and credit card payments are excluded, since they move money rather than earn or spend it. One-off charges are included, since they were 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 the month to date and over one, three and six months, each against the prior period of the same length, because a single window cannot separate a seasonal effect from a trend. December running negative while the three and six-month figures stay positive describes something different from every window turning down together.
Worked through
Three horizons, one household
A negative month sitting inside two positive longer windows.
- 1 month
- -$800
- 3 months
- +$2,400
- 6 months
- +$6,100
The six-month 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. Net cash over four windows, each against the prior period.
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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