Tracking Income

A salary, a retainer, a pension. To add one:

1. Tap the + button and choose Bill/Income Source. If you have not added one yet, the Add Income Source button on the empty Income Sources card does the same thing.
2. Enter the Name. Use the payer as it appears on your statement rather than a nickname, since that is what Cadence matches deposits against later.
3. Enter the Amount you actually receive, after tax and deductions. Gross pay belongs in Additional Details, below.
4. Pick an income Category: Income, Bonus, Commission, Dividends, Interest, Cash Back, Tax Refund, Reimbursement or Refund.
5. Choose the Frequency that matches how often you are paid.
6. Set the Next Due Date. The next payday you expect, not the last one you had.
7. Choose a Tracking Mode, then tap Add.

The source appears under Income Sources on the Income tab, sorted so your largest earner sits at the top.

Choose Monthly, Weekly, Biweekly, Bimonthly, Yearly or Custom. Once a payment is received, Cadence advances the source to its next date automatically.

Every income source has a required Tracking Mode, and it decides what happens when payday arrives:

A synced source has no Mark as Received button, because the bank is what confirms it. If a source is not confirming itself even though your accounts are connected, check it is actually set to Synced - connecting a bank is not enough on its own.

1. Open the Budget page and switch to the Income tab.
2. Tap the income source’s card to open it.
3. Tap Mark as Received.

Cadence creates the income transaction, adds it to your Total Actual, and moves the source on to its next due date. That figure is what the Income tile of the Cash Flow card compares against your expected total, so marking pay as it arrives is what keeps the rest of your planning honest.

Tap a source’s card to open it. Edit opens the same fields you filled in when you created it, so you can change the amount after a raise, correct a due date or switch tracking mode. Tap Save.

The card also carries Archive and Delete, and they are not the same:

• Archive is what you want when a job ends. The source stops expecting payments, but its linked transactions and earnings history are preserved, and it collects under an Archived section where you can restore it later.
• Delete removes the source permanently and cannot be undone. Use it for something you added by mistake.

The amount on an income source is your take-home. If you also want Cadence to understand what you actually earn, open Additional Details, the collapsed panel at the bottom of the add and edit forms, and fill in any of:

• Annual Gross and Monthly Gross - two views of the same figure. Type either and Cadence works out the other.
• Monthly Retirement Contribution, with an optional employer Match Rate.
• Annual Cash Benefits and Annual Bonus Target.

Once a gross figure is saved, the edit form relabels its main Amount field Take-Home Amount so the two cannot be confused. The add form always calls it Amount, so while you are creating the source, take-home is what belongs there.

These details feed the earnings donut’s Total Compensation view. They never change your budgets, which run on take-home.

Set the amount to what you typically receive. You do not have to keep editing it: Cadence watches the deposits that actually land against a source and widens its matching tolerance as it learns how much yours swings, so hourly or commission-based pay still links up without a nudge. It takes at least three deposits before that kicks in.

Interest, dividends and cash back generally are not worth a source of their own. They arrive on no fixed schedule, so record them as transactions and let Additional Income total them up.

If your actual deposits drift away from the amount you set, an Update Expected Amount card appears at the top of the Income tab. Open it and you will see what you currently have set, what Cadence suggests instead, and how many paycheques that is based on. Update amount applies it; dismissing leaves your figure alone.

It looks at your last few deposits and needs at least three before it will say anything. Steady income triggers a suggestion on a fairly small drift, while variable income has to move further before it speaks up. Most of the recent deposits have to agree, so a single bonus or short week will not set it off.

Nothing changes on its own. Cadence never rewrites your expected amount without you accepting, and you can switch these off under Settings → Suggestions.

Irregular income - bonuses, tax refunds, interest, cash back - collects under Additional Income at the bottom of the Income tab. It is not something you add to directly; it is a summary Cadence builds for you.

To put something into it, record it as an ordinary transaction:

1. Tap the + button and choose Transaction.
2. Enter the name and the amount received.
3. Give it an income category: Bonus, Tax Refund, Interest, Dividends, Commission, Cash Back or Income.
4. Set the date it arrived and tap Add.

Anything matching, and not tied to a recurring income source, is grouped into a card per category showing this month’s total and the year to date. Tap a card to see the transactions behind it. The section stays hidden until you have income like that, so a new account will not see it at all.

Top to bottom:

• An earnings donut summarising your income. Tap the centre to switch between total compensation, monthly take-home and annual take-home.
• Income Sources - your recurring income, with what is expected, due and received.
• Archived - sources you have archived, ready to restore. Hidden until you archive one.
• Equity Compensation - stock options and RSUs, if you track any.
• Additional Income - the one-off income rollup described above.

Your income also feeds the Cash Flow card on the Budget Overview tab, where the Income tile compares what has arrived against what you expect for the period.