Evidence-first money workflow · Personal Money
Multi-Account Cash-Flow Consolidator
Combine bank, cash, card, and wallet CSV rows into a deduplicated monthly cash-flow statement with transfer exclusions and review evidence.
- 1Prepare
- 2Analyze
- 3Review and export
Prepare the evidence
Paste the documented CSV schema or choose a local CSV file. Nothing is sent to Nirmion.
Review the analysis
Summary metrics lead back to the rows that support them.
Method and interpretation
How to use Multi-Account Cash-Flow Consolidator
Use this workflow when transaction history is split across multiple institutions, cards, cash logs, or digital wallets and you need one cash-flow view. It is especially useful during migration or a one-off household review when connecting every financial account to a subscription app is unavailable or unwanted.
Prepare the input
Export or assemble one CSV with date, account, description, signed amount, optional transaction ID, and kind. Income and refunds are positive; outflows are negative. Mark movements between accounts you own as transfer. Preserve stable institution transaction IDs whenever the source provides them because they are safer duplicate evidence than text matching.
Check the worked example
The example combines checking, savings, and card rows over two months. Both sides of a savings transfer remain outside inflow and outflow. A repeated grocery transaction with the same transaction ID appears once in totals and once in the duplicate review table.
Read the evidence
Review excluded duplicates before trusting the monthly statement. An exact ID match is strong evidence; a fallback match means date, account, normalized description, and amount all matched because no ID was available. The monthly table excludes transfers and duplicate copies, then shows account coverage and consolidated net cash flow.
Calculation method
The tool keeps the first row for each transaction ID. Without an ID, it builds a conservative key from ISO date, account, normalized description, and exact minor-unit amount. Unique non-transfer positive amounts are inflow; absolute negative amounts are outflow. Monthly net cash flow is inflow minus outflow.
Questions this workflow helps answer
Use these questions to confirm that this tool matches the task you need to complete.
- How can I consolidate a cash-flow spreadsheet across multiple bank accounts?
- Which duplicate transactions and internal transfers should be excluded from a cash-flow forecast?
- How do inflows, outflows, and net cash flow reconcile by account and month?
Limits and decision boundary
Fallback matching cannot prove two same-day purchases are duplicates. Different IDs are always retained even when other values match. Transfer classification depends on the input. The workflow does not reconcile opening and closing bank balances or infer missing transfer counterparts.
Common mistake
Do not remove the account column or reuse an ID across different institutions. If two exports use overlapping ID formats, prefix IDs with the source account before consolidation.
Your pasted values and selected CSV files are processed in this browser tab. This workflow does not connect to a bank, save a budget, or provide financial, tax, legal, or investment advice.
Questions about this workflow
Why did two similar payments remain?
Different supplied transaction IDs are treated as distinct. This avoids deleting legitimate repeated purchases. Review them in the source if the institution duplicated IDs incorrectly.
How are cash transactions included?
Use a stable account label such as Cash wallet and leave transaction_id blank. The fallback key will still evaluate exact date, account, description, and amount.
Does the transfer total affect net cash flow?
No. It reports transfer activity for review while excluding it from consolidated income, outflow, and net cash flow.