Plan income and match receipts

Plan personal or company income streams, match incoming GBP transactions, review statement imports, maintain approved matching rules and compare scenarios without changing actual receipts. Personal tax estimates require a complete supported profile and verified rules for the selected year.

Start with your expected streams

On your first visit choose connected-account discovery, a statement/payslip upload, or manual entry. These are optional starting points, not automatic bank consent. You can return to any method later.

Choose Add income stream, select an owner and choose the amount you know: Before deductions (gross) or What reaches my bank. Enter an annual, monthly or weekly amount, or an irregular annual total. Monthly and weekly amounts are annualised by 12 and 52; use an annual total for partial-year work. Review the monthly allocation before saving.

Gross salary/pension input can produce a cash-flow estimate using the individual's combined income and tax profile. The estimate excludes NI, pension and student-loan deductions and is not a payroll calculation. Enter known bank receipts to override it without changing gross income. Unknown tax estimates use clearly flagged before-deduction placeholders in cash charts until the profile is complete. Dividend and interest bank receipts are not reduced by an estimated later tax bill. The separate after-Income-Tax summary shows the budget after estimated liability.

Bank-only amounts can be saved and matched immediately. Gross stays unknown until supported; the tax view is incomplete, not assumed tax-free. Rent/self-employment tax input is taxable profit, not turnover. Known tax deducted is optional and must come from evidence, never gross minus net. Monetary fields can be cleared while editing.

Delete removes an unused standalone stream from the current plan. Streams with receipts, matching rules or a linked manager use Archive instead. This stops future expectations and new suggestions while retaining receipts and previous plan versions. Use Show archived → Restore to reinstate saved expectations. Source loans and dividends are never deleted by these actions.

Loan/EOT receipts and company dividends use their existing managers as the source of truth. Their streams appear automatically. Set expectations in Income, but record financial payments, corrections and loan emails in the source manager. Returned principal is cash received, not taxable interest. Do not add a second manual stream for a managed loan or a second receipt for a source payment.

Link income to an asset

In Add income stream or Manage, choose the owner, then use Related asset (optional) to search for a property, vehicle, account or other asset. Personal streams can use the person's own assets or a joint household asset. Company streams can only use that company's assets. Add missing assets or correct their ownership in Assets first; the picker does not create them.

This is a reporting link, not the receiving bank account or the source manager. It does not change asset values, ownership or tax, and does not automatically deduct property expenses. Loan/EOT and Dividend source links stay intact.

The asset label on a stream or confirmed receipt opens Asset income, with recorded income cash, returned capital, total cash, annual cash plan and the linked records. Withholding is already reflected in received cash. Returned capital is shown separately, not labelled as earned income or taxable profit. Recorded receipts count once whether or not bank evidence has been matched.

Use All asset links to filter the stream table, or search an asset's name. This filter does not narrow the overview totals or combined tax calculation. View linked streams opens the filtered list, including archived streams.

Changing or removing the link regroups existing receipts for the selected tax year. You review this before saving; receipt amounts and original source records do not change, and earlier plan versions retain the previous association. Correcting a receipt to another stream follows the new stream's asset link. Scenario changes do not regroup actual receipts until you adopt the scenario. Archived or deleted assets retain an unavailable label on existing links but cannot be chosen for new links.

Find and match receipts

Data sources (also reached through Match receipts → Manage sources) shows accounts, owners, providers, connection status, last sync and available transaction dates. Use the central connection link to connect/reconnect; use Assets to correct ownership. Two independent controls select receipt matching and ongoing stream discovery. New accounts default to both off. Existing explicitly saved matching preferences remain. Turning them off neither disconnects the bank nor deletes confirmed receipts. Statement imports remain available regardless of connected-bank matching consent.

Find possible income streams is a one-off scan of selected owned, connected GBP accounts. It uses up to 365 days of available credits, with a 5,000-credit/50-pattern limit, and requires at least two repeated descriptions. Frequency and median payment size form a cautious projection; varying amounts/timing require your annual estimate. This pattern matching runs inside Fieldwell, not through external AI. Unrecognised transfers/refunds remain possible, so suggestions always require review.

Review payment evidence, create a draft stream, link an existing Income/Loan/Dividend stream, or dismiss. Nothing is posted automatically. Linking a source does not create receipts or enable matching. Dismissed/linked patterns remain suppressed until Previously reviewed suggestions → Reconsider. Accepted new streams carry their source pattern to avoid duplicate proposals.

Ongoing discovery runs when Income is opened/refreshed for opted-in accounts, using transactions already synced. It does not add another bank-sync job. A one-off scan does not enable ongoing discovery or matching.

For each GBP credit, choose Review match and select the correct stream. If the payment already exists, select the existing receipt and attach bank evidence rather than recording it again. Matching validates the owner, amount, currency and date. Potential statement/feed duplicates require review.

For a new standalone receipt, review cash, income for tax and tax withheld. Net salary alone is not proof of gross pay, NI, pension deductions or tax. For property income, taxable profit can differ from cash received. Early receipts that are part of the annual plan reduce the remaining forecast; an explicitly additional receipt does not reduce the original expectation.

Receipt history → View / correct allows a standalone receipt to be reassigned to another stream for the same owner, with a reason and review. Cash and date are preserved. Source-owned corrections open their original manager. Unlink bank evidence first where necessary, then correct and rematch. Every correction is audited; it does not post cash to the account balance again.

AI statements and matching rules

Bank statements prefill What reaches my bank, with unknown gross income. Payslips may provide gross, bank receipts and separately evidenced Income Tax. An ambiguous amount must be identified during review. AI must explain annualisation assumptions; it never reverse-calculates gross or tax from a net bank credit.

The shared upload panel supports supported PDFs, images, CSV and .xlsx spreadsheets. Choose a visible worksheet before extraction. Documents are sent to Perplexity for draft extraction only and are not retained as Income receipts. Review each proposed stream in the standard editor. Select transactions and their existing account before staging them for matching; staging is not posting.

After a confirmed match, propose a reusable rule. Account, owner, currency, description and amount conditions remain visible and editable. AI can suggest stable description words from that confirmed evidence, but cannot save or activate the rule. With one example, the AI proposal keeps the exact amount. You must explicitly approve conditions. Conflicting rules remain unresolved; rules never silently reassign confirmed receipts or automatically post money.

Tax, reliefs and scenarios

Choose Tax & allowances, an individual and Annual plan, Actual to date or Year-end forecast. Complete the tax profile and include all relevant income. The calculation separates non-savings income, savings, dividends and exempt receipts; returned loan capital is excluded. The effective rate shown is Income Tax divided by income for tax, not tax divided by total cash received.

Pension inputs are net relief-at-source contributions, not salary sacrifice or net-pay deductions. Eligible confirmed Giving records feed the same calculation; planned giving is the total expected amount, not an addition to recorded gifts. Child Benefit compares individual adjusted net incomes when relevant profiles are complete. Enter each person's own Child Benefit only, never the same payment in both profiles.

Explore a scenario starts from the current plan. Change proposed streams or reliefs, save and compare the result. Review adoption shows a confirmation before creating a new main-plan version. It does not change receipts, source agreements, actual pension records, donations or bank transactions. A scenario based on an older main-plan version cannot be adopted over a newer plan.

Current calculation boundaries

Tax estimates are not tax returns or advice. This release provides standard England/Wales/Northern Ireland calculations for configured tax years only; unconfigured years, Scotland, other jurisdictions and companies show unavailable personal tax estimates. NI, CGT, specialist reliefs, foreign-tax adjustments and full Gift Aid tax-cover assessment are not included.

Dividend cash receipt dates are not automatically treated as legal tax dates. Where evidence confirms that the taxable date equals the cash date, review it explicitly. Different entitlement dates, including cross-year recognition, remain unresolved rather than being guessed. Do not use an incomplete view for a return. Personal Allowance attribution uses the standard non-savings/savings/dividend order, not a mixed-income tax-minimising allocation search.

Actual-to-date tax uses annual allowances, not a PAYE payroll calculation. The chart shows cumulative cash; it is not a net-worth chart. Source balances continue to feed the existing daily valuation history independently.