Financial Intelligence
Your real cash, next to your real profit
Track your bank balance over time, reconcile it against the balance your P&L predicts, and see your burn rate before it becomes a problem.
See it in action
Tracked versus actual, reconciled
Your actual balance beside the balance your revenue and expenses imply, with the gap explained and a full history.
Bank Balance
Track and manage your bank balance over time.
Actual Balance
Your real bank account balance, entered manually or via bank integration
$142,152
USDLast updated Apr 28, 2026
Tracked Balance
Starting balance + Revenue - Expenses, calculated from your P&L data
$143,392
USDSince Mar 29, 2026 (starting $48,000)
Reconciled
Your actual balance matches the tracked balance.
Difference
-$1,240
0.9% off
Balance History
Track balance changes over time
Illustrative data - not representative of actual performance
The problem
Profit on paper is not cash in the bank
A profitable month can still run your account down through payout holds, funding repayments, and timing gaps. Cash is what keeps the lights on.
Profit and cash diverge
Payout delays, refunds, and funding repayments mean your bank balance rarely matches profit on a given day.
Burn sneaks up
Without a clear view of how fast cash is leaving, a slow burn can become an emergency before you notice.
Reconciling is manual
Comparing what your books say you should have against what the bank actually shows is tedious and easy to skip.
The solution
Cash visibility tied to your P&L
Record balance snapshots, let MerchantFlow compare them to the balance your P&L predicts, and understand the difference and your burn at a glance.
Balance history
Keep a running record of your bank balance over time so you can see the trend, not just today's number.
Tracked vs actual
MerchantFlow computes the balance your starting cash, revenue, and expenses imply, and compares it to your real balance.
Reconciliation, explained
When tracked and actual differ, the gap is surfaced with the usual culprits - bank fees, payout holds, timing - so you know where to look.
Burn rate visibility
See how fast cash is moving so you can plan ad spend, inventory buys, and hiring with a real runway in mind.
How it works
Three steps to cash clarity
Enter your balance
Add your current bank balance and a starting point to anchor the history.
Let your P&L track it
MerchantFlow projects a tracked balance from your revenue and expenses as they sync.
Reconcile the gap
Compare tracked against actual, see the variance and its likely causes, and keep an eye on burn.
FAQ
Bank balance and burn, answered
How is the tracked balance calculated?
MerchantFlow starts from the balance you enter, then adds your net revenue and subtracts your expenses over time. The result is the balance your P&L implies you should have, which you can compare against your real bank balance.
Why does my actual balance differ from tracked?
Common causes are bank fees, payment processor holdbacks, funding repayments, and timing differences between orders and payouts. MerchantFlow flags the size of the gap so you can investigate the cause.
What is burn rate?
Burn rate is how quickly your cash is decreasing over a period. Seeing it alongside your profit helps you understand your runway and make spending decisions with cash, not just margin, in mind.
Do I need a bank integration?
No. You can record balance snapshots manually whenever you like. MerchantFlow handles the tracking and reconciliation from there.