Cash Flow
Monthly remainder—
Without income, the remainder is unknown. A planned drawdown is not an involuntary deficit.
Where income goes
Add your usual monthly outflows.
Outflow categories / regular commitments
Items describe the total; they are not additional spending. Planned commitments are not booked automatically.
All obligatory outflows, including loan and mortgage payments. Transfers between your own accounts, cash withdrawals and buying investments aren't spending. Fees are.