Flow of Funds Analysis

Flow of Funds answers "where did this money come from, and where did it go?" across one or many accounts. It's useful for forensic accounting, fraud investigations, and cross-account reconciliation.

Opening the analysis

Open the project that contains the converted statements you want to analyze.
Click the Advanced Analysis tab.
Select Flow of Funds.

The analysis uses the transactions from every bank statement in the project. To narrow it down, use the filters at the top (account, date range, amount) before running.

Filtering by account holder or role

The filter chips at the top of the chart let you scope Flow of Funds by any attribute you've tagged on an account (holder, subject_role, account_type, custodian, currency, or any free-form key) as well as by a specific account. Chips combine — applying holder=Subject A and subject_role=counterparty narrows the view to flows between Subject A and any account you've tagged as a counterparty.

Clicking a node or a link on the Sankey adds the matching filter to the chip bar rather than navigating away. The chart, the transaction table below it, and the URL all stay in sync, so the URL is a shareable snapshot of the exact view.

To tag accounts in the first place, open the Accounts tab on the project. See Multi-Account Forensic Tracing for the full holder/role workflow.

Exporting the analysis

Click Export flow of funds to download a multi-sheet XLSX of the current filtered view. The download is XLSX even though the route URL retains /csv for backward compatibility — any older mention of "CSV export" in this docs site refers to the same button.

The workbook has three sheets:

Transactions — every filtered transaction with account holder, institution, and transfer-match columns so each row is self-contained.
Between accounts — aggregated source/destination pairs (the data behind the Sankey) with an edge_type of transfer, inflow, or outflow.
Account totals — one row per account with period, total inflows, total outflows, net, and transaction count.

See Multi-Account Forensic Tracing for how to use each sheet in a forensic deliverable.

What you get

The analysis groups related transactions into flows, chains of credits and debits DocuClipper has identified as connected. For each flow you'll see:

Source: the account or counterparty money originated from.
Destination: where it ended up.
Amount: total moved along this flow.
Hops: intermediate accounts or dates if the money bounced through more than one account.
Transaction list: every underlying transaction making up the flow.

Self-transfers

Transfers between accounts you own (e.g. checking → savings) are detected automatically when the matching debit and credit appear on different statements in the same project within a few days and with matching amounts. They're surfaced separately so they don't inflate income or expense totals. See Transfers Analysis.

A typical investigation

Upload all relevant bank statements for the period under review.
Run Flow of Funds to see the full graph.
Filter to specific counterparties, amounts, or date ranges.
Drill into a flow to see the underlying transactions.
Export the flow or transaction list to share with your team or client.