The Cash Flow Tracker is an essential tool used for managing personal finances. This is more important than having a budget. The budget comes second to tracking cash flow. Once you start to track your cash flow, it gives a strong foundation for creating and following a budget to optimise it thereafter. This tracker is build on the principle I explain in my Medium article “Personal Finance Management Guide 2022”. It essentially inform about the concept that all money has 3 destinations, it can either be spent, saved or invested. If we do all these 3 things to all income we get, that becomes a strong foundation for personal finance management. While the distribution of the income to each of the component can vary, it is important that you try to allocate to each of them. Typically people tend to use 60% on spending, 20% on savings and 20% on investments. This cash flow tracker is designed to track your income, along with your spending and investments. The tracker supports if you are working with multiple currencies to bring everything to a common currency. At the moment it is using the base currency GBP (because I live in the UK and I use GBP) but you can customise it to your preference.