Cashflow Priorities

For each year of your projection, Canwi looks at your income and your expenses. When income exceeds expenses, you have excess cashflow (also called surplus cashflow). Cashflow priorities are the rules that decide where that money goes - for example into debt repayments, shares or other investments, specific bank accounts, or spent as lifestyle spending you nominate.

Those priorities shape how efficiently leftover money is put to work over time. If you do not allocate it, it still has to go somewhere in the model - priorities let you choose the order and destinations that match how you would actually use a surplus.

Default Australian projections often show excess cashflow building over time. That is partly because ASIC sets default assumptions for calculator-style projections: wage growth at 3.7% p.a. and inflation (which lifts many default expenses) at 2.5% p.a. Canwi follows those defaults - so income tends to grow faster than expenses unless you change those assumptions.

To see how excess cashflow was allocated in a given year, open the Financial Breakdown and check the Money Flows tab. To change the rules themselves, configure cashflow priorities on the Money Flows page.

For a fuller walkthrough of ranking priorities, percentages vs fixed amounts, and what happens to any leftover surplus, see How spare / excess cashflow is prioritised in the Canwi Help Center.