Your all-in-one guide to understanding how your financial insights are calculated, how to keep your data accurate, and how to get the most value from Segio, your AI financial coach.
This guide explains everything you need to know about Smart Cash Sheet™:
Everything is organized to help you achieve strong financial clarity.
Smart Cash Sheet™ calculates your Needs vs. Wants depending on your selected timeframe:
The calculation adjusts automatically.
CSS uses only that month's categorized expenses.
Example:
Smart Cash Sheet™:
Example:
CSS adjusts based on the structure of the range:
Examples:
Data Quality shows how much spending has been categorized.
Example:
Higher data quality = more accurate CSS, insights, and stronger Segio recommendations.
Fix: Categorize at least one expense.
Percentage of periods (weekly or monthly) where income exceeded expenses.
Measures how unpredictable your cash flow is. Higher volatility = larger swings.
Compares spending in the first half of the timeframe vs. the second half.
Compares your current period to the one before it (under 90 days ➝ weekly and 90+ days ➝ monthly).
% increase or decrease vs. previous period.
Dollar change in net cash flow.
More or fewer transactions this period.
How far cash flow deviates from average.
This section becomes accurate only after your bank account has been properly synced and verified. This means ensuring the balance shown inside Smart Cash Sheet™ matches the actual balance in your bank account.
Pending transactions do NOT appear in the app and may cause temporary differences.
This ensures the Upcoming Bills list only contains true obligations and upcoming financial commitments.
When "Include in cash-flow projections" is checked:
If the Monthly Savings Amount field is empty, nothing will show in the Calendar.
Emotional Spending tracks spending tied to negative emotions.
Example:
Segio may reference outdated or deleted information.
Fix:
Tell him: "That information is outdated. Use the updated details."
He will immediately correct his coaching.
For recurring issues, tap the "here" support link under the chat window.
This behavior is also shown inside the app via the "i" tooltip.
The Smart Cash Sheet™ Knowledge Base helps you understand how your financial insights are generated and how to keep them accurate and reliable. With clean data and consistent categorization, your CSS, analytics, forecasts, and Segio coaching become significantly more powerful.
Much of the information in this Knowledge Base is also included throughout the Smart Cash Sheet™ app itself, accessible by tapping the "i" tooltips next to key features for quick, in-context guidance.
Your journey to clarity begins here — and we're with you every step of the way.