diff --git a/app/Console/Commands/Concerns/ResolvesFeatures.php b/app/Console/Commands/Concerns/ResolvesFeatures.php
new file mode 100644
index 00000000..d7bcd52a
--- /dev/null
+++ b/app/Console/Commands/Concerns/ResolvesFeatures.php
@@ -0,0 +1,37 @@
+<?php
+
+namespace App\Console\Commands\Concerns;
+
+use Illuminate\Support\Facades\File;
+
+trait ResolvesFeatures
+{
+    private function resolveFeatureClass(string $name): ?string
+    {
+        $featureClass = "App\\Features\\{$name}";
+
+        if (class_exists($featureClass)) {
+            return $featureClass;
+        }
+
+        return null;
+    }
+
+    private function getAvailableFeatures(): string
+    {
+        $featuresPath = app_path('Features');
+
+        if (! File::isDirectory($featuresPath)) {
+            return 'None';
+        }
+
+        $files = File::files($featuresPath);
+        $features = [];
+
+        foreach ($files as $file) {
+            $features[] = $file->getFilenameWithoutExtension();
+        }
+
+        return implode(', ', $features) ?: 'None';
+    }
+}
diff --git a/app/Console/Commands/FeatureDisableCommand.php b/app/Console/Commands/FeatureDisableCommand.php
new file mode 100644
index 00000000..48838993
--- /dev/null
+++ b/app/Console/Commands/FeatureDisableCommand.php
@@ -0,0 +1,52 @@
+<?php
+
+namespace App\Console\Commands;
+
+use App\Console\Commands\Concerns\ResolvesFeatures;
+use App\Models\User;
+use Illuminate\Console\Command;
+use Laravel\Pennant\Feature;
+
+class FeatureDisableCommand extends Command
+{
+    use ResolvesFeatures;
+
+    protected $signature = 'feature:disable {feature : The feature class name (e.g., CashflowFeature)} {target : User email or "all" for everyone}';
+
+    protected $description = 'Disable a feature for a specific user or all users';
+
+    public function handle(): int
+    {
+        $featureName = $this->argument('feature');
+        $target = $this->argument('target');
+
+        $featureClass = $this->resolveFeatureClass($featureName);
+
+        if (! $featureClass) {
+            $this->error("Feature '{$featureName}' not found.");
+            $this->line('Available features: '.$this->getAvailableFeatures());
+
+            return self::FAILURE;
+        }
+
+        if ($target === 'all') {
+            Feature::deactivateForEveryone($featureClass);
+            $this->info("Feature '{$featureName}' disabled for all users.");
+
+            return self::SUCCESS;
+        }
+
+        $user = User::where('email', $target)->first();
+
+        if (! $user) {
+            $this->error("User with email '{$target}' not found.");
+
+            return self::FAILURE;
+        }
+
+        Feature::for($user)->deactivate($featureClass);
+        $this->info("Feature '{$featureName}' disabled for user '{$user->email}'.");
+
+        return self::SUCCESS;
+    }
+}
diff --git a/app/Console/Commands/FeatureEnableCommand.php b/app/Console/Commands/FeatureEnableCommand.php
new file mode 100644
index 00000000..3f5459cb
--- /dev/null
+++ b/app/Console/Commands/FeatureEnableCommand.php
@@ -0,0 +1,52 @@
+<?php
+
+namespace App\Console\Commands;
+
+use App\Console\Commands\Concerns\ResolvesFeatures;
+use App\Models\User;
+use Illuminate\Console\Command;
+use Laravel\Pennant\Feature;
+
+class FeatureEnableCommand extends Command
+{
+    use ResolvesFeatures;
+
+    protected $signature = 'feature:enable {feature : The feature class name (e.g., CashflowFeature)} {target : User email or "all" for everyone}';
+
+    protected $description = 'Enable a feature for a specific user or all users';
+
+    public function handle(): int
+    {
+        $featureName = $this->argument('feature');
+        $target = $this->argument('target');
+
+        $featureClass = $this->resolveFeatureClass($featureName);
+
+        if (! $featureClass) {
+            $this->error("Feature '{$featureName}' not found.");
+            $this->line('Available features: '.$this->getAvailableFeatures());
+
+            return self::FAILURE;
+        }
+
+        if ($target === 'all') {
+            Feature::activateForEveryone($featureClass);
+            $this->info("Feature '{$featureName}' enabled for all users.");
+
+            return self::SUCCESS;
+        }
+
+        $user = User::where('email', $target)->first();
+
+        if (! $user) {
+            $this->error("User with email '{$target}' not found.");
+
+            return self::FAILURE;
+        }
+
+        Feature::for($user)->activate($featureClass);
+        $this->info("Feature '{$featureName}' enabled for user '{$user->email}'.");
+
+        return self::SUCCESS;
+    }
+}
diff --git a/app/Features/CashflowFeature.php b/app/Features/CashflowFeature.php
new file mode 100644
index 00000000..99eade72
--- /dev/null
+++ b/app/Features/CashflowFeature.php
@@ -0,0 +1,13 @@
+<?php
+
+namespace App\Features;
+
+use App\Models\User;
+
+class CashflowFeature
+{
+    public function resolve(User $user): bool
+    {
+        return false;
+    }
+}
diff --git a/app/Http/Controllers/Api/CashflowAnalyticsController.php b/app/Http/Controllers/Api/CashflowAnalyticsController.php
new file mode 100644
index 00000000..99dfe7a1
--- /dev/null
+++ b/app/Http/Controllers/Api/CashflowAnalyticsController.php
@@ -0,0 +1,216 @@
+<?php
+
+namespace App\Http\Controllers\Api;
+
+use App\Enums\CategoryType;
+use App\Http\Controllers\Controller;
+use App\Models\Transaction;
+use App\Services\PeriodComparator;
+use Carbon\Carbon;
+use Illuminate\Http\JsonResponse;
+use Illuminate\Http\Request;
+use Illuminate\Support\Facades\DB;
+
+class CashflowAnalyticsController extends Controller
+{
+    public function summary(Request $request): JsonResponse
+    {
+        $validated = $request->validate([
+            'from' => 'required|date',
+            'to' => 'required|date',
+        ]);
+
+        $period = PeriodComparator::fromRequest($validated);
+        $previousPeriod = $period->previous();
+
+        $current = $this->calculateCashflowSummary($request->user()->id, $period->from, $period->to);
+        $previous = $this->calculateCashflowSummary($request->user()->id, $previousPeriod->from, $previousPeriod->to);
+
+        return response()->json([
+            'current' => $current,
+            'previous' => $previous,
+        ]);
+    }
+
+    public function sankey(Request $request): JsonResponse
+    {
+        $validated = $request->validate([
+            'from' => 'required|date',
+            'to' => 'required|date',
+        ]);
+
+        $from = Carbon::parse($validated['from']);
+        $to = Carbon::parse($validated['to']);
+        $userId = $request->user()->id;
+
+        $incomeCategories = $this->getCategoryBreakdown($userId, $from, $to, CategoryType::Income);
+        $expenseCategories = $this->getCategoryBreakdown($userId, $from, $to, CategoryType::Expense);
+
+        $totalIncome = $incomeCategories->sum('amount');
+        $totalExpense = $expenseCategories->sum('amount');
+
+        return response()->json([
+            'income_categories' => $incomeCategories->values(),
+            'expense_categories' => $expenseCategories->values(),
+            'total_income' => $totalIncome,
+            'total_expense' => $totalExpense,
+        ]);
+    }
+
+    public function trend(Request $request): JsonResponse
+    {
+        $validated = $request->validate([
+            'months' => 'nullable|integer|min:1|max:24',
+        ]);
+
+        $months = $validated['months'] ?? 12;
+        $userId = $request->user()->id;
+
+        $end = Carbon::now()->endOfMonth();
+        $start = Carbon::now()->subMonths($months - 1)->startOfMonth();
+
+        $data = [];
+        $current = $start->copy();
+
+        while ($current->lte($end)) {
+            $monthStart = $current->copy()->startOfMonth();
+            $monthEnd = $current->copy()->endOfMonth();
+
+            $income = $this->getTransactionSum($userId, $monthStart, $monthEnd, CategoryType::Income);
+            $expense = $this->getTransactionSum($userId, $monthStart, $monthEnd, CategoryType::Expense);
+
+            $data[] = [
+                'month' => $current->format('Y-m'),
+                'income' => $income,
+                'expense' => abs($expense),
+                'net' => $income + $expense, // expense is negative, so this gives net
+            ];
+
+            $current->addMonth();
+        }
+
+        return response()->json([
+            'data' => $data,
+        ]);
+    }
+
+    public function breakdown(Request $request): JsonResponse
+    {
+        $validated = $request->validate([
+            'from' => 'required|date',
+            'to' => 'required|date',
+            'type' => 'required|in:income,expense',
+        ]);
+
+        $period = PeriodComparator::fromRequest($validated);
+        $previousPeriod = $period->previous();
+        $userId = $request->user()->id;
+
+        $categoryType = $validated['type'] === 'income' ? CategoryType::Income : CategoryType::Expense;
+
+        $current = $this->getCategoryBreakdown($userId, $period->from, $period->to, $categoryType);
+        $previous = $this->getCategoryBreakdown($userId, $previousPeriod->from, $previousPeriod->to, $categoryType);
+
+        $currentTotal = $current->sum('amount');
+        $previousTotal = $previous->sum('amount');
+
+        // Add percentage and previous amount to current
+        $currentWithPercentage = $current->map(function ($item) use ($currentTotal, $previous) {
+            $previousAmount = $previous->firstWhere('category_id', $item['category_id'])['amount'] ?? 0;
+
+            return [
+                'category' => $item['category'],
+                'category_id' => $item['category_id'],
+                'amount' => $item['amount'],
+                'percentage' => $currentTotal > 0 ? round(($item['amount'] / $currentTotal) * 100, 1) : 0,
+                'previous_amount' => $previousAmount,
+            ];
+        })->sortByDesc('amount')->values();
+
+        return response()->json([
+            'data' => $currentWithPercentage,
+            'total' => $currentTotal,
+            'previous_total' => $previousTotal,
+        ]);
+    }
+
+    private function calculateCashflowSummary(string $userId, Carbon $from, Carbon $to): array
+    {
+        $income = $this->getTransactionSum($userId, $from, $to, CategoryType::Income);
+        $expense = abs($this->getTransactionSum($userId, $from, $to, CategoryType::Expense));
+
+        $net = $income - $expense;
+        $savingsRate = $income > 0 ? round((($income - $expense) / $income) * 100, 1) : 0;
+
+        return [
+            'income' => $income,
+            'expense' => $expense,
+            'net' => $net,
+            'savings_rate' => $savingsRate,
+        ];
+    }
+
+    private function getTransactionSum(string $userId, Carbon $from, Carbon $to, CategoryType $type): int
+    {
+        return Transaction::query()
+            ->where('user_id', $userId)
+            ->whereBetween('transaction_date', [$from, $to])
+            ->where(function ($q) use ($type) {
+                $q->whereHas('category', function ($q) use ($type) {
+                    $q->where('type', $type);
+                })
+                    ->orWhere(function ($q) use ($type) {
+                        $q->whereNull('category_id')
+                            ->where('amount', $type === CategoryType::Income ? '>' : '<', 0);
+                    });
+            })
+            ->sum('amount');
+    }
+
+    private function getCategoryBreakdown(string $userId, Carbon $from, Carbon $to, CategoryType $type)
+    {
+        // Get categorized transactions
+        $categorized = Transaction::query()
+            ->where('user_id', $userId)
+            ->whereBetween('transaction_date', [$from, $to])
+            ->whereHas('category', function ($q) use ($type) {
+                $q->where('type', $type);
+            })
+            ->select('category_id', DB::raw('sum(amount) as total_amount'))
+            ->groupBy('category_id')
+            ->with('category')
+            ->get()
+            ->map(function ($item) {
+                return [
+                    'category_id' => $item->category_id,
+                    'category' => $item->category,
+                    'amount' => abs($item->total_amount),
+                ];
+            });
+
+        // Get uncategorized transactions
+        $uncategorized = Transaction::query()
+            ->where('user_id', $userId)
+            ->whereBetween('transaction_date', [$from, $to])
+            ->whereNull('category_id')
+            ->where('amount', $type === CategoryType::Income ? '>' : '<', 0)
+            ->sum('amount');
+
+        // Add uncategorized as a special category if there are any
+        if ($uncategorized != 0) {
+            $categorized->push([
+                'category_id' => null,
+                'category' => (object) [
+                    'id' => null,
+                    'name' => $type === CategoryType::Income ? 'Unknown Income' : 'Unknown Expense',
+                    'type' => $type,
+                    'color' => 'gray',
+                    'icon' => 'HelpCircle',
+                ],
+                'amount' => abs($uncategorized),
+            ]);
+        }
+
+        return $categorized;
+    }
+}
diff --git a/app/Http/Controllers/CashflowController.php b/app/Http/Controllers/CashflowController.php
new file mode 100644
index 00000000..c9183aa1
--- /dev/null
+++ b/app/Http/Controllers/CashflowController.php
@@ -0,0 +1,43 @@
+<?php
+
+namespace App\Http\Controllers;
+
+use App\Models\Account;
+use App\Models\Bank;
+use App\Models\Category;
+use Illuminate\Http\Request;
+use Inertia\Inertia;
+use Inertia\Response;
+
+class CashflowController extends Controller
+{
+    public function __invoke(Request $request): Response
+    {
+        $user = $request->user();
+
+        $categories = Category::query()
+            ->where('user_id', $user->id)
+            ->orderBy('name')
+            ->get(['id', 'name', 'type', 'icon', 'color']);
+
+        $accounts = Account::query()
+            ->where('user_id', $user->id)
+            ->with('bank:id,name,logo')
+            ->orderBy('name')
+            ->get(['id', 'name', 'name_iv', 'bank_id', 'type', 'currency_code']);
+
+        $banks = Bank::query()
+            ->where(function ($q) use ($user) {
+                $q->whereNull('user_id')
+                    ->orWhere('user_id', $user->id);
+            })
+            ->orderBy('name')
+            ->get(['id', 'name', 'logo']);
+
+        return Inertia::render('cashflow/index', [
+            'categories' => $categories,
+            'accounts' => $accounts,
+            'banks' => $banks,
+        ]);
+    }
+}
diff --git a/app/Http/Middleware/HandleInertiaRequests.php b/app/Http/Middleware/HandleInertiaRequests.php
index b64ac4b2..e4e08c45 100644
--- a/app/Http/Middleware/HandleInertiaRequests.php
+++ b/app/Http/Middleware/HandleInertiaRequests.php
@@ -2,9 +2,11 @@
 
 namespace App\Http\Middleware;
 
+use App\Features\CashflowFeature;
 use Illuminate\Foundation\Inspiring;
 use Illuminate\Http\Request;
 use Inertia\Middleware;
+use Laravel\Pennant\Feature;
 
 class HandleInertiaRequests extends Middleware
 {
@@ -58,6 +60,9 @@ class HandleInertiaRequests extends Middleware
                 'promo' => config('subscriptions.promo', []),
             ],
             'sidebarOpen' => ! $request->hasCookie('sidebar_state') || $request->cookie('sidebar_state') === 'true',
+            'features' => [
+                'cashflow' => $user ? Feature::for($user)->active(CashflowFeature::class) : false,
+            ],
         ];
     }
 }
diff --git a/composer.json b/composer.json
index 593cd5c6..96ccb74b 100644
--- a/composer.json
+++ b/composer.json
@@ -14,6 +14,7 @@
         "laravel/cashier": "^16.1",
         "laravel/fortify": "^1.30",
         "laravel/framework": "^12.0",
+        "laravel/pennant": "^1.18",
         "laravel/tinker": "^2.10.1",
         "laravel/wayfinder": "^0.1.9",
         "resend/resend-php": "^1.1",
diff --git a/composer.lock b/composer.lock
index f35bf1ae..59fa41a5 100644
--- a/composer.lock
+++ b/composer.lock
@@ -1658,6 +1658,82 @@
             },
             "time": "2025-11-04T15:39:33+00:00"
         },
+        {
+            "name": "laravel/pennant",
+            "version": "v1.18.5",
+            "source": {
+                "type": "git",
+                "url": "https://github.com/laravel/pennant.git",
+                "reference": "c7d824a46b6fa801925dd3b93470382bcc5b2b58"
+            },
+            "dist": {
+                "type": "zip",
+                "url": "https://api.github.com/repos/laravel/pennant/zipball/c7d824a46b6fa801925dd3b93470382bcc5b2b58",
+                "reference": "c7d824a46b6fa801925dd3b93470382bcc5b2b58",
+                "shasum": ""
+            },
+            "require": {
+                "illuminate/console": "^10.0|^11.0|^12.0",
+                "illuminate/container": "^10.0|^11.0|^12.0",
+                "illuminate/contracts": "^10.0|^11.0|^12.0",
+                "illuminate/database": "^10.0|^11.0|^12.0",
+                "illuminate/queue": "^10.0|^11.0|^12.0",
+                "illuminate/support": "^10.0|^11.0|^12.0",
+                "php": "^8.1",
+                "symfony/console": "^6.0|^7.0",
+                "symfony/finder": "^6.0|^7.0"
+            },
+            "require-dev": {
+                "laravel/octane": "^1.4|^2.0",
+                "orchestra/testbench": "^8.36|^9.15|^10.8",
+                "phpstan/phpstan": "^1.10"
+            },
+            "type": "library",
+            "extra": {
+                "laravel": {
+                    "aliases": {
+                        "Feature": "Laravel\\Pennant\\Feature"
+                    },
+                    "providers": [
+                        "Laravel\\Pennant\\PennantServiceProvider"
+                    ]
+                },
+                "branch-alias": {
+                    "dev-master": "1.x-dev"
+                }
+            },
+            "autoload": {
+                "files": [
+                    "src/helpers.php"
+                ],
+                "psr-4": {
+                    "Laravel\\Pennant\\": "src/"
+                }
+            },
+            "notification-url": "https://packagist.org/downloads/",
+            "license": [
+                "MIT"
+            ],
+            "authors": [
+                {
+                    "name": "Taylor Otwell",
+                    "email": "taylor@laravel.com"
+                }
+            ],
+            "description": "A simple, lightweight library for managing feature flags.",
+            "homepage": "https://github.com/laravel/pennant",
+            "keywords": [
+                "feature",
+                "flags",
+                "laravel",
+                "pennant"
+            ],
+            "support": {
+                "issues": "https://github.com/laravel/pennant/issues",
+                "source": "https://github.com/laravel/pennant"
+            },
+            "time": "2025-11-27T16:22:11+00:00"
+        },
         {
             "name": "laravel/prompts",
             "version": "v0.3.7",
diff --git a/config/pennant.php b/config/pennant.php
new file mode 100644
index 00000000..d03ebfb3
--- /dev/null
+++ b/config/pennant.php
@@ -0,0 +1,44 @@
+<?php
+
+return [
+
+    /*
+    |--------------------------------------------------------------------------
+    | Default Pennant Store
+    |--------------------------------------------------------------------------
+    |
+    | Here you will specify the default store that Pennant should use when
+    | storing and resolving feature flag values. Pennant ships with the
+    | ability to store flag values in an in-memory array or database.
+    |
+    | Supported: "array", "database"
+    |
+    */
+
+    'default' => env('PENNANT_STORE', 'database'),
+
+    /*
+    |--------------------------------------------------------------------------
+    | Pennant Stores
+    |--------------------------------------------------------------------------
+    |
+    | Here you may configure each of the stores that should be available to
+    | Pennant. These stores shall be used to store resolved feature flag
+    | values - you may configure as many as your application requires.
+    |
+    */
+
+    'stores' => [
+
+        'array' => [
+            'driver' => 'array',
+        ],
+
+        'database' => [
+            'driver' => 'database',
+            'connection' => null,
+            'table' => 'features',
+        ],
+
+    ],
+];
diff --git a/database/migrations/2025_12_20_154221_create_features_table.php b/database/migrations/2025_12_20_154221_create_features_table.php
new file mode 100644
index 00000000..a64eea2f
--- /dev/null
+++ b/database/migrations/2025_12_20_154221_create_features_table.php
@@ -0,0 +1,32 @@
+<?php
+
+use Illuminate\Database\Schema\Blueprint;
+use Illuminate\Support\Facades\Schema;
+use Laravel\Pennant\Migrations\PennantMigration;
+
+return new class extends PennantMigration
+{
+    /**
+     * Run the migrations.
+     */
+    public function up(): void
+    {
+        Schema::create('features', function (Blueprint $table) {
+            $table->id();
+            $table->string('name');
+            $table->string('scope');
+            $table->text('value');
+            $table->timestamps();
+
+            $table->unique(['name', 'scope']);
+        });
+    }
+
+    /**
+     * Reverse the migrations.
+     */
+    public function down(): void
+    {
+        Schema::dropIfExists('features');
+    }
+};
diff --git a/resources/js/components/app-sidebar.tsx b/resources/js/components/app-sidebar.tsx
index 6f8a480b..ee3c7406 100644
--- a/resources/js/components/app-sidebar.tsx
+++ b/resources/js/components/app-sidebar.tsx
@@ -11,13 +11,22 @@ import {
     SidebarMenuItem,
 } from '@/components/ui/sidebar';
 import { cn, resolveUrl } from '@/lib/utils';
-import { footerNavItems, mainNavItems } from '@/providers/menu-item-provider';
+import {
+    footerNavItems,
+    getMainNavItems,
+} from '@/providers/menu-item-provider';
 import { dashboard } from '@/routes';
+import { SharedData } from '@/types';
 import { Link, usePage } from '@inertiajs/react';
+import { useMemo } from 'react';
 import AppLogo from './app-logo';
 
 export function AppSidebar() {
-    const page = usePage();
+    const page = usePage<SharedData>();
+    const mainNavItems = useMemo(
+        () => getMainNavItems(page.props.features),
+        [page.props.features],
+    );
 
     return (
         <>
diff --git a/resources/js/components/cashflow/breakdown-card.tsx b/resources/js/components/cashflow/breakdown-card.tsx
new file mode 100644
index 00000000..39979ffe
--- /dev/null
+++ b/resources/js/components/cashflow/breakdown-card.tsx
@@ -0,0 +1,160 @@
+import { PercentageTrendIndicator } from '@/components/dashboard/percentage-trend-indicator';
+import { AmountDisplay } from '@/components/ui/amount-display';
+import {
+    Card,
+    CardContent,
+    CardDescription,
+    CardHeader,
+    CardTitle,
+} from '@/components/ui/card';
+import { Progress } from '@/components/ui/progress';
+import { BreakdownData } from '@/hooks/use-cashflow-data';
+import { cn } from '@/lib/utils';
+import { getCategoryColorClasses } from '@/types/category';
+import * as Icons from 'lucide-react';
+import { LucideIcon } from 'lucide-react';
+
+interface BreakdownCardProps {
+    type: 'income' | 'expense';
+    data: BreakdownData;
+    loading?: boolean;
+}
+
+const CHART_COLORS = [
+    'var(--chart-1)',
+    'var(--chart-2)',
+    'var(--chart-3)',
+    'var(--chart-4)',
+    'var(--chart-5)',
+    'var(--chart-6)',
+    'var(--chart-7)',
+    'var(--chart-8)',
+];
+
+export function BreakdownCard({ type, data, loading }: BreakdownCardProps) {
+    const title = type === 'income' ? 'Income Sources' : 'Expense Categories';
+    const description =
+        type === 'income'
+            ? 'Where your money comes from'
+            : 'Where your money goes';
+    const emptyMessage =
+        type === 'income' ? 'No income this period' : 'No expenses this period';
+
+    if (loading) {
+        return (
+            <Card>
+                <CardHeader>
+                    <CardTitle className="text-base">{title}</CardTitle>
+                </CardHeader>
+                <CardContent>
+                    <div className="space-y-4">
+                        {Array.from({ length: 4 }).map((_, i) => (
+                            <div key={i} className="space-y-2">
+                                <div className="flex items-center gap-3">
+                                    <div className="size-6 animate-pulse rounded-full bg-gray-200 dark:bg-gray-700" />
+                                    <div className="h-4 w-24 animate-pulse rounded bg-gray-200 dark:bg-gray-700" />
+                                    <div className="ml-auto h-4 w-16 animate-pulse rounded bg-gray-200 dark:bg-gray-700" />
+                                </div>
+                                <div className="h-2 w-full animate-pulse rounded-full bg-gray-200 dark:bg-gray-700" />
+                            </div>
+                        ))}
+                    </div>
+                </CardContent>
+            </Card>
+        );
+    }
+
+    return (
+        <Card>
+            <CardHeader className="gap-1 pb-4">
+                <div className="flex items-center justify-between">
+                    <CardTitle className="text-base">{title}</CardTitle>
+                    <AmountDisplay
+                        amountInCents={data.total}
+                        currencyCode="USD"
+                        minimumFractionDigits={0}
+                        maximumFractionDigits={0}
+                        weight="semibold"
+                        highlightPositive
+                    />
+                </div>
+                <CardDescription>{description}</CardDescription>
+            </CardHeader>
+            <CardContent>
+                <div className="space-y-3">
+                    {data.data.map((item, index) => {
+                        const Icon = (Icons[
+                            item.category.icon as keyof typeof Icons
+                        ] || Icons.HelpCircle) as LucideIcon;
+
+                        const percentageChange =
+                            item.previous_amount > 0
+                                ? ((item.amount - item.previous_amount) /
+                                      item.previous_amount) *
+                                  100
+                                : null;
+
+                        const categoryColor = getCategoryColorClasses(
+                            item.category.color,
+                        );
+                        const chartColor =
+                            CHART_COLORS[index % CHART_COLORS.length];
+
+                        return (
+                            <div key={item.category_id} className="space-y-1.5">
+                                <div className="flex min-w-0 items-center gap-2">
+                                    <div
+                                        className={cn([
+                                            'flex size-6 shrink-0 items-center justify-center rounded-full',
+                                            `${categoryColor.bg} ${categoryColor.text}`,
+                                        ])}
+                                    >
+                                        <Icon className="size-3.5" />
+                                    </div>
+                                    <span className="min-w-0 flex-1 truncate text-sm font-medium">
+                                        {item.category.name}
+                                    </span>
+                                    {percentageChange !== null && (
+                                        <PercentageTrendIndicator
+                                            trend={percentageChange}
+                                            label=""
+                                            previousAmount={
+                                                item.previous_amount
+                                            }
+                                            currentAmount={item.amount}
+                                            currencyCode="USD"
+                                            invertColors={type === 'expense'}
+                                            className="shrink-0 text-xs"
+                                        />
+                                    )}
+                                    <div className="flex shrink-0 items-center gap-2">
+                                        <span className="text-xs text-muted-foreground">
+                                            {item.percentage.toFixed(0)}%
+                                        </span>
+                                        <AmountDisplay
+                                            amountInCents={item.amount}
+                                            currencyCode="USD"
+                                            variant="compact"
+                                            minimumFractionDigits={0}
+                                            maximumFractionDigits={0}
+                                        />
+                                    </div>
+                                </div>
+                                <Progress
+                                    value={item.percentage}
+                                    className="h-1.5"
+                                    indicatorColor={chartColor}
+                                />
+                            </div>
+                        );
+                    })}
+                    {data.data.length === 0 && (
+                        <div className="py-6 text-center text-sm text-muted-foreground">
+                            {emptyMessage}
+                        </div>
+                    )}
+                </div>
+            </CardContent>
+        </Card>
+    );
+}
diff --git a/resources/js/components/cashflow/net-cashflow-card.tsx b/resources/js/components/cashflow/net-cashflow-card.tsx
new file mode 100644
index 00000000..bae1237e
--- /dev/null
+++ b/resources/js/components/cashflow/net-cashflow-card.tsx
@@ -0,0 +1,142 @@
+import { AmountDisplay } from '@/components/ui/amount-display';
+import {
+    Card,
+    CardContent,
+    CardDescription,
+    CardHeader,
+    CardTitle,
+} from '@/components/ui/card';
+import { CashflowSummary } from '@/hooks/use-cashflow-data';
+import { cn } from '@/lib/utils';
+import { ArrowDown, ArrowUp, TrendingDown, TrendingUp } from 'lucide-react';
+
+interface NetCashflowCardProps {
+    current: CashflowSummary;
+    previous: CashflowSummary;
+    loading?: boolean;
+}
+
+export function NetCashflowCard({
+    current,
+    previous,
+    loading,
+}: NetCashflowCardProps) {
+    if (loading) {
+        return (
+            <Card>
+                <CardHeader className="pb-2">
+                    <CardTitle className="text-sm font-medium">
+                        Net Cashflow
+                    </CardTitle>
+                </CardHeader>
+                <CardContent>
+                    <div className="h-12 w-32 animate-pulse rounded bg-gray-200 dark:bg-gray-700" />
+                </CardContent>
+            </Card>
+        );
+    }
+
+    const isPositive = current.net >= 0;
+    const diff = current.net - previous.net;
+    const diffIsPositive = diff >= 0;
+    const hasPreviousData = previous.income > 0 || previous.expense > 0;
+
+    return (
+        <Card>
+            <CardHeader className="pb-2">
+                <CardTitle className="text-sm font-medium">
+                    Net Cashflow
+                </CardTitle>
+                <CardDescription>Income minus expenses</CardDescription>
+            </CardHeader>
+            <CardContent>
+                <div className="flex items-baseline gap-2">
+                    <div className={cn('flex items-center gap-1')}>
+                        {isPositive ? (
+                            <ArrowUp
+                                className={cn(
+                                    'size-4',
+                                    'text-green-600 dark:text-green-400',
+                                )}
+                            />
+                        ) : (
+                            <ArrowDown
+                                className={cn(
+                                    'size-4',
+                                    'text-red-600 dark:text-red-400',
+                                )}
+                            />
+                        )}
+                        <AmountDisplay
+                            amountInCents={Math.abs(current.net)}
+                            currencyCode="USD"
+                            size="2xl"
+                            weight="bold"
+                            minimumFractionDigits={0}
+                            maximumFractionDigits={0}
+                            highlightPositive
+                        />
+                    </div>
+                </div>
+                {hasPreviousData && (
+                    <div className={cn('mt-2 flex items-center gap-1 text-sm')}>
+                        {diffIsPositive ? (
+                            <TrendingUp
+                                className={cn(
+                                    'size-4',
+                                    'text-green-600 dark:text-green-400',
+                                )}
+                            />
+                        ) : (
+                            <TrendingDown
+                                className={cn(
+                                    'size-4',
+                                    'text-red-600 dark:text-red-400',
+                                )}
+                            />
+                        )}
+                        <span>
+                            {diffIsPositive ? '+' : ''}
+                            <AmountDisplay
+                                amountInCents={diff}
+                                currencyCode="USD"
+                                minimumFractionDigits={0}
+                                maximumFractionDigits={0}
+                                className="text-sm"
+                                highlightPositive
+                            />
+                        </span>
+                        <span className="text-muted-foreground">
+                            vs last period
+                        </span>
+                    </div>
+                )}
+                <div className="mt-3 grid grid-cols-2 gap-4 border-t pt-3">
+                    <div>
+                        <p className="text-xs text-muted-foreground">Income</p>
+                        <AmountDisplay
+                            amountInCents={current.income}
+                            currencyCode="USD"
+                            minimumFractionDigits={0}
+                            maximumFractionDigits={0}
+                            weight="medium"
+                            highlightPositive
+                        />
+                    </div>
+                    <div>
+                        <p className="text-xs text-muted-foreground">
+                            Expenses
+                        </p>
+                        <AmountDisplay
+                            amountInCents={current.expense}
+                            currencyCode="USD"
+                            minimumFractionDigits={0}
+                            maximumFractionDigits={0}
+                            weight="medium"
+                        />
+                    </div>
+                </div>
+            </CardContent>
+        </Card>
+    );
+}
diff --git a/resources/js/components/cashflow/period-navigation.tsx b/resources/js/components/cashflow/period-navigation.tsx
new file mode 100644
index 00000000..cf2ddb89
--- /dev/null
+++ b/resources/js/components/cashflow/period-navigation.tsx
@@ -0,0 +1,58 @@
+import { Button } from '@/components/ui/button';
+import { addMonths, format, isSameMonth, subMonths } from 'date-fns';
+import { ChevronLeft, ChevronRight } from 'lucide-react';
+
+interface PeriodNavigationProps {
+    currentDate: Date;
+    onDateChange: (date: Date) => void;
+}
+
+export function PeriodNavigation({
+    currentDate,
+    onDateChange,
+}: PeriodNavigationProps) {
+    const now = new Date();
+    const isCurrentMonth = isSameMonth(currentDate, now);
+
+    const handlePrevMonth = () => {
+        onDateChange(subMonths(currentDate, 1));
+    };
+
+    const handleNextMonth = () => {
+        onDateChange(addMonths(currentDate, 1));
+    };
+
+    const handleCurrentMonth = () => {
+        onDateChange(now);
+    };
+
+    return (
+        <div className="flex items-center gap-2">
+            <Button
+                variant="outline"
+                size="icon-sm"
+                onClick={handlePrevMonth}
+                aria-label="Previous month"
+            >
+                <ChevronLeft className="size-4" />
+            </Button>
+
+            <button
+                onClick={handleCurrentMonth}
+                className="min-w-[140px] rounded-md px-3 py-1.5 text-center text-sm font-medium hover:bg-accent"
+            >
+                {format(currentDate, 'MMMM yyyy')}
+            </button>
+
+            <Button
+                variant="outline"
+                size="icon-sm"
+                onClick={handleNextMonth}
+                disabled={isCurrentMonth}
+                aria-label="Next month"
+            >
+                <ChevronRight className="size-4" />
+            </Button>
+        </div>
+    );
+}
diff --git a/resources/js/components/cashflow/savings-rate-card.tsx b/resources/js/components/cashflow/savings-rate-card.tsx
new file mode 100644
index 00000000..918dc000
--- /dev/null
+++ b/resources/js/components/cashflow/savings-rate-card.tsx
@@ -0,0 +1,96 @@
+import {
+    Card,
+    CardContent,
+    CardDescription,
+    CardHeader,
+    CardTitle,
+} from '@/components/ui/card';
+import { CashflowSummary } from '@/hooks/use-cashflow-data';
+import { cn } from '@/lib/utils';
+import { TrendingDown, TrendingUp } from 'lucide-react';
+
+interface SavingsRateCardProps {
+    current: CashflowSummary;
+    previous: CashflowSummary;
+    loading?: boolean;
+}
+
+export function SavingsRateCard({
+    current,
+    previous,
+    loading,
+}: SavingsRateCardProps) {
+    if (loading) {
+        return (
+            <Card>
+                <CardHeader className="pb-2">
+                    <CardTitle className="text-sm font-medium">
+                        Savings Rate
+                    </CardTitle>
+                </CardHeader>
+                <CardContent>
+                    <div className="h-12 w-24 animate-pulse rounded bg-gray-200 dark:bg-gray-700" />
+                </CardContent>
+            </Card>
+        );
+    }
+
+    const diff = current.savings_rate - previous.savings_rate;
+    const isPositive = diff >= 0;
+    const hasPreviousData = previous.income > 0;
+
+    // Determine color based on savings rate
+    const rateColor =
+        current.savings_rate >= 20
+            ? 'text-green-600 dark:text-green-400'
+            : current.savings_rate >= 10
+              ? 'text-yellow-600 dark:text-yellow-400'
+              : current.savings_rate >= 0
+                ? 'text-orange-600 dark:text-orange-400'
+                : 'text-red-600 dark:text-red-400';
+
+    return (
+        <Card>
+            <CardHeader className="pb-2">
+                <CardTitle className="text-sm font-medium">
+                    Savings Rate
+                </CardTitle>
+                <CardDescription>Percentage of income saved</CardDescription>
+            </CardHeader>
+            <CardContent>
+                <div className="flex items-baseline gap-2">
+                    <span
+                        className={cn(
+                            'text-3xl font-bold tabular-nums',
+                            rateColor,
+                        )}
+                    >
+                        {current.savings_rate.toFixed(1)}%
+                    </span>
+                    {hasPreviousData && (
+                        <div className={cn('flex items-center gap-1 text-sm')}>
+                            {isPositive ? (
+                                <TrendingUp className="size-4 text-green-600 dark:text-green-400" />
+                            ) : (
+                                <TrendingDown className="size-4 text-red-600 dark:text-red-400" />
+                            )}
+                            <span>
+                                {isPositive ? '+' : ''}
+                                {diff.toFixed(1)}%
+                            </span>
+                        </div>
+                    )}
+                </div>
+                <p className="mt-2 text-xs text-muted-foreground">
+                    {current.savings_rate >= 20
+                        ? "Great job! You're saving well."
+                        : current.savings_rate >= 10
+                          ? 'Good progress on your savings.'
+                          : current.savings_rate >= 0
+                            ? 'Consider saving more if possible.'
+                            : 'Spending exceeds income this period.'}
+                </p>
+            </CardContent>
+        </Card>
+    );
+}
diff --git a/resources/js/components/charts/cashflow-trend-chart.tsx b/resources/js/components/charts/cashflow-trend-chart.tsx
new file mode 100644
index 00000000..9cfba87a
--- /dev/null
+++ b/resources/js/components/charts/cashflow-trend-chart.tsx
@@ -0,0 +1,260 @@
+import { AmountDisplay } from '@/components/ui/amount-display';
+import {
+    Card,
+    CardContent,
+    CardDescription,
+    CardHeader,
+    CardTitle,
+} from '@/components/ui/card';
+import { ChartConfig, ChartContainer } from '@/components/ui/chart';
+import { TrendDataPoint } from '@/hooks/use-cashflow-data';
+import { cn } from '@/lib/utils';
+import { useEffect, useRef } from 'react';
+import {
+    Bar,
+    BarChart,
+    CartesianGrid,
+    Line,
+    ReferenceLine,
+    Tooltip,
+    XAxis,
+    YAxis,
+} from 'recharts';
+
+interface CashflowTrendChartProps {
+    data: TrendDataPoint[];
+    loading?: boolean;
+    className?: string;
+}
+
+const chartConfig: ChartConfig = {
+    income: {
+        label: 'Income',
+        color: 'var(--color-chart-2)',
+    },
+    expense: {
+        label: 'Expenses',
+        color: 'var(--color-chart-5)',
+    },
+    net: {
+        label: 'Net',
+        color: 'var(--color-chart-1)',
+    },
+};
+
+interface TooltipPayloadItem {
+    dataKey?: string;
+    value?: number;
+    color?: string;
+    name?: string;
+    payload?: TrendDataPoint;
+}
+
+interface CustomTooltipProps {
+    active?: boolean;
+    payload?: TooltipPayloadItem[];
+}
+
+function formatMonth(yearMonth: string): string {
+    const [year, month] = yearMonth.split('-');
+    const date = new Date(parseInt(year), parseInt(month) - 1);
+    const isCurrentYear = date.getFullYear() === new Date().getFullYear();
+
+    return date.toLocaleDateString(
+        'en-US',
+        isCurrentYear
+            ? { month: 'short' }
+            : { year: '2-digit', month: 'short' },
+    );
+}
+
+function CustomTooltip({ active, payload }: CustomTooltipProps) {
+    if (!active || !payload?.length) return null;
+
+    const data = payload[0].payload;
+    if (!data) return null;
+
+    return (
+        <div className="rounded-lg border border-border/50 bg-background px-3 py-2 text-xs shadow-xl">
+            <div className="mb-2 font-medium">{formatMonth(data.month)}</div>
+            <div className="space-y-1">
+                <div className="flex items-center justify-between gap-4">
+                    <span className="flex items-center gap-2">
+                        <span className="size-2 rounded-full bg-[var(--color-chart-2)]" />
+                        Income
+                    </span>
+                    <AmountDisplay
+                        amountInCents={data.income}
+                        currencyCode="USD"
+                        minimumFractionDigits={0}
+                        maximumFractionDigits={0}
+                        className="font-mono font-medium tabular-nums"
+                    />
+                </div>
+                <div className="flex items-center justify-between gap-4">
+                    <span className="flex items-center gap-2">
+                        <span className="size-2 rounded-full bg-[var(--color-chart-5)]" />
+                        Expenses
+                    </span>
+                    <AmountDisplay
+                        amountInCents={data.expense}
+                        currencyCode="USD"
+                        minimumFractionDigits={0}
+                        maximumFractionDigits={0}
+                        className="font-mono font-medium tabular-nums"
+                    />
+                </div>
+                <div className="flex items-center justify-between gap-4 border-t pt-1">
+                    <span className="flex items-center gap-2">
+                        <span className="size-2 rounded-full bg-[var(--color-chart-1)]" />
+                        Net
+                    </span>
+                    <AmountDisplay
+                        amountInCents={data.net}
+                        currencyCode="USD"
+                        minimumFractionDigits={0}
+                        maximumFractionDigits={0}
+                        className={cn(
+                            'font-mono font-medium tabular-nums',
+                            data.net >= 0 ? 'text-green-600' : 'text-red-600',
+                        )}
+                    />
+                </div>
+            </div>
+        </div>
+    );
+}
+
+export function CashflowTrendChart({
+    data,
+    loading,
+    className,
+}: CashflowTrendChartProps) {
+    const scrollContainerRef = useRef<HTMLDivElement>(null);
+    const minChartWidth = data.length * 60;
+
+    useEffect(() => {
+        if (scrollContainerRef.current) {
+            scrollContainerRef.current.scrollLeft =
+                scrollContainerRef.current.scrollWidth;
+        }
+    }, [data]);
+
+    if (loading) {
+        return (
+            <Card className={className}>
+                <CardHeader>
+                    <CardTitle className="text-base">Cashflow Trend</CardTitle>
+                </CardHeader>
+                <CardContent>
+                    <div className="h-[250px] animate-pulse rounded bg-gray-200 dark:bg-gray-700" />
+                </CardContent>
+            </Card>
+        );
+    }
+
+    return (
+        <Card className={className}>
+            <CardHeader className="gap-1 pb-4">
+                <CardTitle className="text-base">Cashflow Trend</CardTitle>
+                <CardDescription>
+                    Monthly income, expenses, and net cashflow over the last 12
+                    months
+                </CardDescription>
+            </CardHeader>
+            <CardContent>
+                <div ref={scrollContainerRef} className="overflow-x-auto">
+                    <ChartContainer
+                        config={chartConfig}
+                        className="h-[250px] w-full"
+                        style={{ minWidth: `${minChartWidth}px` }}
+                    >
+                        <BarChart accessibilityLayer data={data}>
+                            <CartesianGrid
+                                strokeDasharray="3 3"
+                                vertical={false}
+                                stroke="var(--color-border)"
+                                opacity={0.3}
+                            />
+                            <XAxis
+                                dataKey="month"
+                                tickLine={false}
+                                tickMargin={10}
+                                axisLine={false}
+                                tickFormatter={formatMonth}
+                            />
+                            <YAxis
+                                tickLine={false}
+                                axisLine={false}
+                                tickFormatter={(value: number) => {
+                                    return new Intl.NumberFormat('en-US', {
+                                        notation: 'compact',
+                                        compactDisplay: 'short',
+                                        style: 'currency',
+                                        currency: 'USD',
+                                        minimumFractionDigits: 0,
+                                        maximumFractionDigits: 0,
+                                    }).format(value / 100);
+                                }}
+                                width={60}
+                            />
+                            <ReferenceLine
+                                y={0}
+                                stroke="var(--color-border)"
+                                strokeDasharray="3 3"
+                            />
+                            <Tooltip
+                                content={<CustomTooltip />}
+                                cursor={{
+                                    fill: 'var(--color-muted)',
+                                    opacity: 0.3,
+                                }}
+                            />
+                            <Bar
+                                dataKey="income"
+                                fill="var(--color-chart-2)"
+                                radius={[4, 4, 0, 0]}
+                                stackId="a"
+                                name="Income"
+                            />
+                            <Bar
+                                dataKey="expense"
+                                fill="var(--color-chart-5)"
+                                radius={[4, 4, 0, 0]}
+                                stackId="b"
+                                name="Expenses"
+                            />
+                            <Line
+                                type="monotone"
+                                dataKey="net"
+                                stroke="var(--color-chart-1)"
+                                strokeWidth={2}
+                                dot={{
+                                    fill: 'var(--color-chart-1)',
+                                    strokeWidth: 0,
+                                    r: 3,
+                                }}
+                                activeDot={{ r: 5 }}
+                                name="Net"
+                            />
+                        </BarChart>
+                    </ChartContainer>
+                </div>
+                <div className="mt-4 flex items-center justify-center gap-6 text-xs">
+                    <div className="flex items-center gap-2">
+                        <span className="size-3 rounded bg-[var(--color-chart-2)]" />
+                        <span>Income</span>
+                    </div>
+                    <div className="flex items-center gap-2">
+                        <span className="size-3 rounded bg-[var(--color-chart-5)]" />
+                        <span>Expenses</span>
+                    </div>
+                    <div className="flex items-center gap-2">
+                        <span className="size-3 rounded-full bg-[var(--color-chart-1)]" />
+                        <span>Net</span>
+                    </div>
+                </div>
+            </CardContent>
+        </Card>
+    );
+}
diff --git a/resources/js/components/charts/index.ts b/resources/js/components/charts/index.ts
index bb0b8e92..8e0d6209 100644
--- a/resources/js/components/charts/index.ts
+++ b/resources/js/components/charts/index.ts
@@ -1,3 +1,5 @@
+export { CashflowTrendChart } from './cashflow-trend-chart';
 export { ChartViewToggle } from './chart-view-toggle';
 export { MoMChart } from './mom-chart';
 export { MoMPercentChart } from './mom-percent-chart';
+export { SankeyChart } from './sankey-chart';
diff --git a/resources/js/components/charts/sankey-chart.tsx b/resources/js/components/charts/sankey-chart.tsx
new file mode 100644
index 00000000..fa4428d6
--- /dev/null
+++ b/resources/js/components/charts/sankey-chart.tsx
@@ -0,0 +1,339 @@
+import { SankeyData } from '@/hooks/use-cashflow-data';
+import { cn } from '@/lib/utils';
+import { Category } from '@/types/category';
+import { useMemo, useState } from 'react';
+
+interface SankeyChartProps {
+    data: SankeyData;
+    height?: number;
+    className?: string;
+}
+
+interface NodeData {
+    id: string;
+    label: string;
+    value: number;
+    color: string;
+    y: number;
+    height: number;
+    column: 0 | 1 | 2;
+    category?: Category;
+}
+
+interface LinkData {
+    source: string;
+    target: string;
+    value: number;
+    sourceY: number;
+    targetY: number;
+    height: number;
+}
+
+const COLUMN_POSITIONS = [0.25, 0.5, 0.75];
+const NODE_WIDTH = 12;
+const NODE_PADDING = 6;
+const MIN_NODE_HEIGHT = 20;
+
+function formatAmount(amountInCents: number): string {
+    return new Intl.NumberFormat('en-US', {
+        style: 'currency',
+        currency: 'USD',
+        minimumFractionDigits: 0,
+        maximumFractionDigits: 0,
+    }).format(amountInCents / 100);
+}
+
+export function SankeyChart({
+    data,
+    height = 400,
+    className,
+}: SankeyChartProps) {
+    const [hoveredNode, setHoveredNode] = useState<string | null>(null);
+    const [hoveredLink, setHoveredLink] = useState<string | null>(null);
+
+    const { nodes, links, isEmpty } = useMemo(() => {
+        const {
+            income_categories,
+            expense_categories,
+            total_income,
+            total_expense,
+        } = data;
+
+        if (total_income === 0 && total_expense === 0) {
+            return { nodes: [], links: [], isEmpty: true };
+        }
+
+        const nodeMap: Record<string, NodeData> = {};
+        const linkList: LinkData[] = [];
+
+        // Calculate available height for nodes
+        const availableHeight = height - 40; // padding
+        const maxTotal = Math.max(total_income, total_expense);
+
+        // Create income nodes (left column)
+        let incomeY = 20;
+        const incomeNodes = income_categories
+            .sort((a, b) => b.amount - a.amount)
+            .map((item) => {
+                const nodeHeight = Math.max(
+                    MIN_NODE_HEIGHT,
+                    (item.amount / maxTotal) * availableHeight * 0.5,
+                );
+                const node: NodeData = {
+                    id: `income-${item.category_id}`,
+                    label: item.category.name,
+                    value: item.amount,
+                    color: item.category.color || 'var(--color-chart-2)',
+                    y: incomeY,
+                    height: nodeHeight,
+                    column: 0,
+                    category: item.category,
+                };
+                incomeY += nodeHeight + NODE_PADDING;
+                return node;
+            });
+
+        // Create center node (total cashflow)
+        const centerHeight = Math.max(
+            MIN_NODE_HEIGHT * 1.5,
+            (Math.max(total_income, total_expense) / maxTotal) *
+                availableHeight *
+                0.6,
+        );
+        const centerY = (height - centerHeight) / 2;
+        const centerNode: NodeData = {
+            id: 'center',
+            label: 'Cashflow',
+            value: total_income - total_expense,
+            color: 'var(--color-chart-1)',
+            y: centerY,
+            height: centerHeight,
+            column: 1,
+        };
+
+        // Create expense nodes (right column)
+        let expenseY = 20;
+        const expenseNodes = expense_categories
+            .sort((a, b) => b.amount - a.amount)
+            .map((item) => {
+                const nodeHeight = Math.max(
+                    MIN_NODE_HEIGHT,
+                    (item.amount / maxTotal) * availableHeight * 0.5,
+                );
+                const node: NodeData = {
+                    id: `expense-${item.category_id}`,
+                    label: item.category.name,
+                    value: item.amount,
+                    color: item.category.color || 'var(--color-chart-3)',
+                    y: expenseY,
+                    height: nodeHeight,
+                    column: 2,
+                    category: item.category,
+                };
+                expenseY += nodeHeight + NODE_PADDING;
+                return node;
+            });
+
+        // Add all nodes to map
+        incomeNodes.forEach((n) => (nodeMap[n.id] = n));
+        nodeMap[centerNode.id] = centerNode;
+        expenseNodes.forEach((n) => (nodeMap[n.id] = n));
+
+        // Create links from income to center
+        let incomeLinkY = centerY;
+        incomeNodes.forEach((incomeNode) => {
+            const linkHeight = (incomeNode.value / total_income) * centerHeight;
+            linkList.push({
+                source: incomeNode.id,
+                target: 'center',
+                value: incomeNode.value,
+                sourceY: incomeNode.y + incomeNode.height / 2,
+                targetY: incomeLinkY + linkHeight / 2,
+                height: linkHeight,
+            });
+            incomeLinkY += linkHeight;
+        });
+
+        // Create links from center to expenses
+        let expenseLinkY = centerY;
+        expenseNodes.forEach((expenseNode) => {
+            const linkHeight =
+                (expenseNode.value / total_expense) * centerHeight;
+            linkList.push({
+                source: 'center',
+                target: expenseNode.id,
+                value: expenseNode.value,
+                sourceY: expenseLinkY + linkHeight / 2,
+                targetY: expenseNode.y + expenseNode.height / 2,
+                height: linkHeight,
+            });
+            expenseLinkY += linkHeight;
+        });
+
+        return {
+            nodes: Object.values(nodeMap),
+            links: linkList,
+            isEmpty: false,
+        };
+    }, [data, height]);
+
+    if (isEmpty) {
+        return (
+            <div
+                className={cn(
+                    'flex items-center justify-center text-muted-foreground',
+                    className,
+                )}
+                style={{ height }}
+            >
+                No cashflow data for this period
+            </div>
+        );
+    }
+
+    const width = 600; // SVG viewBox width
+
+    return (
+        <div className={cn('w-full overflow-x-auto', className)}>
+            <svg
+                viewBox={`0 0 ${width} ${height}`}
+                className="w-full"
+                style={{ minWidth: 400, maxWidth: '100%' }}
+                preserveAspectRatio="xMidYMid meet"
+            >
+                {/* Links */}
+                <g className="links">
+                    {links.map((link) => {
+                        const sourceNode = nodes.find(
+                            (n) => n.id === link.source,
+                        );
+                        const targetNode = nodes.find(
+                            (n) => n.id === link.target,
+                        );
+                        if (!sourceNode || !targetNode) return null;
+
+                        const sourceX =
+                            COLUMN_POSITIONS[sourceNode.column] * width +
+                            NODE_WIDTH / 2;
+                        const targetX =
+                            COLUMN_POSITIONS[targetNode.column] * width -
+                            NODE_WIDTH / 2;
+
+                        const linkId = `${link.source}-${link.target}`;
+                        const isHovered =
+                            hoveredLink === linkId ||
+                            hoveredNode === link.source ||
+                            hoveredNode === link.target;
+
+                        // Create a curved path
+                        const path = `
+                            M ${sourceX} ${link.sourceY - link.height / 2}
+                            C ${(sourceX + targetX) / 2} ${link.sourceY - link.height / 2},
+                              ${(sourceX + targetX) / 2} ${link.targetY - link.height / 2},
+                              ${targetX} ${link.targetY - link.height / 2}
+                            L ${targetX} ${link.targetY + link.height / 2}
+                            C ${(sourceX + targetX) / 2} ${link.targetY + link.height / 2},
+                              ${(sourceX + targetX) / 2} ${link.sourceY + link.height / 2},
+                              ${sourceX} ${link.sourceY + link.height / 2}
+                            Z
+                        `;
+
+                        return (
+                            <path
+                                key={linkId}
+                                d={path}
+                                fill={
+                                    sourceNode.column === 0
+                                        ? 'var(--color-chart-2)'
+                                        : 'var(--color-chart-3)'
+                                }
+                                fillOpacity={isHovered ? 0.6 : 0.3}
+                                className="transition-all duration-200"
+                                onMouseEnter={() => setHoveredLink(linkId)}
+                                onMouseLeave={() => setHoveredLink(null)}
+                            />
+                        );
+                    })}
+                </g>
+
+                {/* Nodes */}
+                <g className="nodes">
+                    {nodes.map((node) => {
+                        const x =
+                            COLUMN_POSITIONS[node.column] * width -
+                            NODE_WIDTH / 2;
+                        const isHovered = hoveredNode === node.id;
+
+                        return (
+                            <g
+                                key={node.id}
+                                onMouseEnter={() => setHoveredNode(node.id)}
+                                onMouseLeave={() => setHoveredNode(null)}
+                                className="cursor-pointer"
+                            >
+                                <rect
+                                    x={x}
+                                    y={node.y}
+                                    width={NODE_WIDTH}
+                                    height={node.height}
+                                    rx={4}
+                                    fill={
+                                        node.id === 'center'
+                                            ? 'var(--color-chart-1)'
+                                            : node.color
+                                    }
+                                    fillOpacity={isHovered ? 1 : 0.8}
+                                    className="transition-all duration-200"
+                                />
+                                {/* Label */}
+                                <text
+                                    x={
+                                        node.column === 0
+                                            ? x - 6
+                                            : node.column === 2
+                                              ? x + NODE_WIDTH + 6
+                                              : x + NODE_WIDTH / 2
+                                    }
+                                    y={node.y + node.height / 2 - 6}
+                                    textAnchor={
+                                        node.column === 0
+                                            ? 'end'
+                                            : node.column === 2
+                                              ? 'start'
+                                              : 'middle'
+                                    }
+                                    dominantBaseline="middle"
+                                    className="fill-foreground text-[9px] font-medium"
+                                >
+                                    {node.label}
+                                </text>
+                                {/* Amount */}
+                                <text
+                                    x={
+                                        node.column === 0
+                                            ? x - 6
+                                            : node.column === 2
+                                              ? x + NODE_WIDTH + 6
+                                              : x + NODE_WIDTH / 2
+                                    }
+                                    y={node.y + node.height / 2 + 6}
+                                    textAnchor={
+                                        node.column === 0
+                                            ? 'end'
+                                            : node.column === 2
+                                              ? 'start'
+                                              : 'middle'
+                                    }
+                                    dominantBaseline="middle"
+                                    className="fill-muted-foreground text-[9px]"
+                                >
+                                    {formatAmount(node.value)}
+                                </text>
+                            </g>
+                        );
+                    })}
+                </g>
+            </svg>
+        </div>
+    );
+}
diff --git a/resources/js/components/dashboard/cashflow-summary-card.tsx b/resources/js/components/dashboard/cashflow-summary-card.tsx
new file mode 100644
index 00000000..9fe8147b
--- /dev/null
+++ b/resources/js/components/dashboard/cashflow-summary-card.tsx
@@ -0,0 +1,172 @@
+import { AmountDisplay } from '@/components/ui/amount-display';
+import {
+    Card,
+    CardContent,
+    CardDescription,
+    CardHeader,
+    CardTitle,
+} from '@/components/ui/card';
+import { cn } from '@/lib/utils';
+import { cashflow } from '@/routes';
+import { Link } from '@inertiajs/react';
+import { endOfMonth, format, startOfMonth } from 'date-fns';
+import { ArrowRight, TrendingDown, TrendingUp } from 'lucide-react';
+import { useEffect, useState } from 'react';
+
+interface CashflowSummary {
+    income: number;
+    expense: number;
+    net: number;
+    savings_rate: number;
+}
+
+interface CashflowSummaryCardProps {
+    loading?: boolean;
+}
+
+export function CashflowSummaryCard({ loading }: CashflowSummaryCardProps) {
+    const [data, setData] = useState<{
+        current: CashflowSummary;
+        previous: CashflowSummary;
+    } | null>(null);
+    const [isLoading, setIsLoading] = useState(true);
+
+    useEffect(() => {
+        const fetchData = async () => {
+            try {
+                const now = new Date();
+                const from = format(startOfMonth(now), 'yyyy-MM-dd');
+                const to = format(endOfMonth(now), 'yyyy-MM-dd');
+                const params = new URLSearchParams({ from, to });
+
+                const response = await fetch(
+                    `/api/cashflow/summary?${params.toString()}`,
+                );
+                const result = await response.json();
+                setData(result);
+            } catch (error) {
+                console.error('Failed to fetch cashflow summary:', error);
+            } finally {
+                setIsLoading(false);
+            }
+        };
+
+        fetchData();
+    }, []);
+
+    if (isLoading || loading) {
+        return (
+            <Card className="col-span-3">
+                <CardHeader>
+                    <CardTitle>Cashflow</CardTitle>
+                </CardHeader>
+                <CardContent>
+                    <div className="grid grid-cols-3 gap-4">
+                        {Array.from({ length: 3 }).map((_, i) => (
+                            <div key={i} className="space-y-2">
+                                <div className="h-3 w-16 animate-pulse rounded bg-gray-200 dark:bg-gray-700" />
+                                <div className="h-6 w-24 animate-pulse rounded bg-gray-200 dark:bg-gray-700" />
+                            </div>
+                        ))}
+                    </div>
+                </CardContent>
+            </Card>
+        );
+    }
+
+    if (!data) {
+        return null;
+    }
+
+    const { current } = data;
+    const isPositiveNet = current.net >= 0;
+
+    return (
+        <Card className="col-span-3">
+            <CardHeader className="gap-1">
+                <div className="flex items-center justify-between">
+                    <CardTitle>Cashflow</CardTitle>
+                    <Link
+                        href={cashflow().url}
+                        className="flex items-center gap-1 text-sm text-muted-foreground hover:text-foreground"
+                    >
+                        View details
+                        <ArrowRight className="size-4" />
+                    </Link>
+                </div>
+                <CardDescription>
+                    This month's income and expenses
+                </CardDescription>
+            </CardHeader>
+            <CardContent>
+                <div className="grid grid-cols-3 gap-4">
+                    {/* Income */}
+                    <div>
+                        <p className="text-xs text-muted-foreground">Income</p>
+                        <AmountDisplay
+                            amountInCents={current.income}
+                            currencyCode="USD"
+                            minimumFractionDigits={0}
+                            maximumFractionDigits={0}
+                            weight="semibold"
+                            highlightPositive
+                        />
+                    </div>
+
+                    {/* Expenses */}
+                    <div>
+                        <p className="text-xs text-muted-foreground">
+                            Expenses
+                        </p>
+                        <AmountDisplay
+                            amountInCents={current.expense}
+                            currencyCode="USD"
+                            minimumFractionDigits={0}
+                            maximumFractionDigits={0}
+                            weight="semibold"
+                        />
+                    </div>
+
+                    {/* Net */}
+                    <div>
+                        <p className="text-xs text-muted-foreground">Net</p>
+                        <div className="flex items-center gap-1">
+                            {isPositiveNet ? (
+                                <TrendingUp className="size-4 text-green-600 dark:text-green-400" />
+                            ) : (
+                                <TrendingDown className="size-4 text-red-600 dark:text-red-400" />
+                            )}
+                            <AmountDisplay
+                                amountInCents={Math.abs(current.net)}
+                                currencyCode="USD"
+                                minimumFractionDigits={0}
+                                maximumFractionDigits={0}
+                                weight="semibold"
+                                highlightPositive
+                            />
+                        </div>
+                    </div>
+                </div>
+
+                {/* Savings rate footer */}
+                <div className="mt-4 flex items-center justify-between border-t pt-3">
+                    <span className="text-xs text-muted-foreground">
+                        Savings rate
+                    </span>
+                    <span
+                        className={cn(
+                            'text-sm font-medium',
+                            current.savings_rate >= 20
+                                ? 'text-green-600 dark:text-green-400'
+                                : current.savings_rate >= 0
+                                  ? 'text-yellow-600 dark:text-yellow-400'
+                                  : 'text-red-600 dark:text-red-400',
+                        )}
+                    >
+                        {current.savings_rate.toFixed(1)}%
+                    </span>
+                </div>
+            </CardContent>
+        </Card>
+    );
+}
diff --git a/resources/js/hooks/use-cashflow-data.ts b/resources/js/hooks/use-cashflow-data.ts
new file mode 100644
index 00000000..fc880947
--- /dev/null
+++ b/resources/js/hooks/use-cashflow-data.ts
@@ -0,0 +1,152 @@
+import { Category } from '@/types/category';
+import { endOfMonth, format, startOfMonth } from 'date-fns';
+import { useCallback, useEffect, useState } from 'react';
+
+export interface CashflowSummary {
+    income: number;
+    expense: number;
+    net: number;
+    savings_rate: number;
+}
+
+export interface SankeyCategory {
+    category: Category;
+    category_id: string;
+    amount: number;
+}
+
+export interface SankeyData {
+    income_categories: SankeyCategory[];
+    expense_categories: SankeyCategory[];
+    total_income: number;
+    total_expense: number;
+}
+
+export interface TrendDataPoint {
+    month: string;
+    income: number;
+    expense: number;
+    net: number;
+}
+
+export interface BreakdownItem {
+    category: Category;
+    category_id: string;
+    amount: number;
+    percentage: number;
+    previous_amount: number;
+}
+
+export interface BreakdownData {
+    data: BreakdownItem[];
+    total: number;
+    previous_total: number;
+}
+
+export interface CashflowData {
+    summary: {
+        current: CashflowSummary;
+        previous: CashflowSummary;
+    };
+    sankey: SankeyData;
+    trend: TrendDataPoint[];
+    incomeBreakdown: BreakdownData;
+    expenseBreakdown: BreakdownData;
+    isLoading: boolean;
+}
+
+interface UseCashflowDataOptions {
+    from: Date;
+    to: Date;
+}
+
+const emptyBreakdown: BreakdownData = {
+    data: [],
+    total: 0,
+    previous_total: 0,
+};
+
+const emptySummary: CashflowSummary = {
+    income: 0,
+    expense: 0,
+    net: 0,
+    savings_rate: 0,
+};
+
+export function useCashflowData({
+    from,
+    to,
+}: UseCashflowDataOptions): CashflowData & { refetch: () => void } {
+    const [data, setData] = useState<Omit<CashflowData, 'isLoading'>>({
+        summary: { current: emptySummary, previous: emptySummary },
+        sankey: {
+            income_categories: [],
+            expense_categories: [],
+            total_income: 0,
+            total_expense: 0,
+        },
+        trend: [],
+        incomeBreakdown: emptyBreakdown,
+        expenseBreakdown: emptyBreakdown,
+    });
+    const [isLoading, setIsLoading] = useState(true);
+
+    const fetchData = useCallback(async () => {
+        setIsLoading(true);
+        try {
+            const fromStr = format(from, 'yyyy-MM-dd');
+            const toStr = format(to, 'yyyy-MM-dd');
+
+            const periodParams = new URLSearchParams({
+                from: fromStr,
+                to: toStr,
+            });
+            const periodQuery = `?${periodParams.toString()}`;
+
+            const [summary, sankey, trend, incomeBreakdown, expenseBreakdown] =
+                await Promise.all([
+                    fetch(`/api/cashflow/summary${periodQuery}`).then((r) =>
+                        r.json(),
+                    ),
+                    fetch(`/api/cashflow/sankey${periodQuery}`).then((r) =>
+                        r.json(),
+                    ),
+                    fetch('/api/cashflow/trend?months=12').then((r) =>
+                        r.json(),
+                    ),
+                    fetch(
+                        `/api/cashflow/breakdown${periodQuery}&type=income`,
+                    ).then((r) => r.json()),
+                    fetch(
+                        `/api/cashflow/breakdown${periodQuery}&type=expense`,
+                    ).then((r) => r.json()),
+                ]);
+
+            setData({
+                summary,
+                sankey,
+                trend: trend.data,
+                incomeBreakdown,
+                expenseBreakdown,
+            });
+        } catch (error) {
+            console.error('Failed to fetch cashflow data:', error);
+        } finally {
+            setIsLoading(false);
+        }
+    }, [from, to]);
+
+    useEffect(() => {
+        fetchData();
+    }, [fetchData]);
+
+    return { ...data, isLoading, refetch: fetchData };
+}
+
+export function getDefaultPeriod(): { from: Date; to: Date } {
+    const now = new Date();
+    return {
+        from: startOfMonth(now),
+        to: endOfMonth(now),
+    };
+}
diff --git a/resources/js/pages/cashflow/index.tsx b/resources/js/pages/cashflow/index.tsx
new file mode 100644
index 00000000..e7392e1f
--- /dev/null
+++ b/resources/js/pages/cashflow/index.tsx
@@ -0,0 +1,103 @@
+import { BreakdownCard } from '@/components/cashflow/breakdown-card';
+import { NetCashflowCard } from '@/components/cashflow/net-cashflow-card';
+import { PeriodNavigation } from '@/components/cashflow/period-navigation';
+import { SavingsRateCard } from '@/components/cashflow/savings-rate-card';
+import { CashflowTrendChart, SankeyChart } from '@/components/charts';
+import HeadingSmall from '@/components/heading-small';
+import { Card, CardContent, CardHeader, CardTitle } from '@/components/ui/card';
+import { useCashflowData } from '@/hooks/use-cashflow-data';
+import AppSidebarLayout from '@/layouts/app/app-sidebar-layout';
+import { cashflow } from '@/routes';
+import { BreadcrumbItem } from '@/types';
+import { Head } from '@inertiajs/react';
+import { endOfMonth, startOfMonth } from 'date-fns';
+import { useState } from 'react';
+
+const breadcrumbs: BreadcrumbItem[] = [
+    {
+        title: 'Cashflow',
+        href: cashflow().url,
+    },
+];
+
+export default function CashflowPage() {
+    const [currentDate, setCurrentDate] = useState(new Date());
+
+    const period = {
+        from: startOfMonth(currentDate),
+        to: endOfMonth(currentDate),
+    };
+
+    const {
+        summary,
+        sankey,
+        trend,
+        incomeBreakdown,
+        expenseBreakdown,
+        isLoading,
+    } = useCashflowData(period);
+
+    return (
+        <AppSidebarLayout breadcrumbs={breadcrumbs}>
+            <Head title="Cashflow" />
+
+            <div className="space-y-6 p-6">
+                <div className="flex items-center justify-between">
+                    <HeadingSmall
+                        title="Cashflow"
+                        description="Track your income, expenses, and savings"
+                    />
+                    <PeriodNavigation
+                        currentDate={currentDate}
+                        onDateChange={setCurrentDate}
+                    />
+                </div>
+
+                {/* Summary Cards */}
+                <div className="grid gap-4 md:grid-cols-2">
+                    <NetCashflowCard
+                        current={summary.current}
+                        previous={summary.previous}
+                        loading={isLoading}
+                    />
+                    <SavingsRateCard
+                        current={summary.current}
+                        previous={summary.previous}
+                        loading={isLoading}
+                    />
+                </div>
+
+                {/* Sankey Diagram */}
+                <Card>
+                    <CardHeader className="pb-4">
+                        <CardTitle className="text-base">Money Flow</CardTitle>
+                    </CardHeader>
+                    <CardContent>
+                        {isLoading ? (
+                            <div className="h-[400px] animate-pulse rounded bg-gray-200 dark:bg-gray-700" />
+                        ) : (
+                            <SankeyChart data={sankey} height={400} />
+                        )}
+                    </CardContent>
+                </Card>
+
+                {/* Breakdown Cards */}
+                <div className="grid gap-4 md:grid-cols-2">
+                    <BreakdownCard
+                        type="income"
+                        data={incomeBreakdown}
+                        loading={isLoading}
+                    />
+                    <BreakdownCard
+                        type="expense"
+                        data={expenseBreakdown}
+                        loading={isLoading}
+                    />
+                </div>
+
+                {/* Trend Chart */}
+                <CashflowTrendChart data={trend} loading={isLoading} />
+            </div>
+        </AppSidebarLayout>
+    );
+}
diff --git a/resources/js/pages/dashboard.tsx b/resources/js/pages/dashboard.tsx
index 8ea4df69..5e10ff56 100644
--- a/resources/js/pages/dashboard.tsx
+++ b/resources/js/pages/dashboard.tsx
@@ -1,12 +1,13 @@
 import { AccountBalanceCard } from '@/components/dashboard/account-balance-card';
+import { CashflowSummaryCard } from '@/components/dashboard/cashflow-summary-card';
 import { NetWorthChart as NetWorthChartComponent } from '@/components/dashboard/net-worth-chart';
 import { TopCategoriesCard } from '@/components/dashboard/top-categories-card';
 import HeadingSmall from '@/components/heading-small';
 import { useDashboardData } from '@/hooks/use-dashboard-data';
 import AppSidebarLayout from '@/layouts/app/app-sidebar-layout';
 import { dashboard } from '@/routes';
-import { BreadcrumbItem } from '@/types';
-import { Head } from '@inertiajs/react';
+import { BreadcrumbItem, SharedData } from '@/types';
+import { Head, usePage } from '@inertiajs/react';
 
 const breadcrumbs: BreadcrumbItem[] = [
     {
@@ -16,6 +17,7 @@ const breadcrumbs: BreadcrumbItem[] = [
 ];
 
 export default function Dashboard() {
+    const { props } = usePage<SharedData>();
     const {
         netWorthEvolution,
         accounts: accountMetrics,
@@ -58,11 +60,14 @@ export default function Dashboard() {
                           ))}
                 </div>
 
-                <div className="">
+                <div className="grid gap-4 md:grid-cols-2">
                     <TopCategoriesCard
                         categories={topCategories}
                         loading={isLoading}
                     />
+                    {props.features.cashflow && (
+                        <CashflowSummaryCard loading={isLoading} />
+                    )}
                 </div>
             </div>
         </AppSidebarLayout>
diff --git a/resources/js/providers/menu-item-provider.tsx b/resources/js/providers/menu-item-provider.tsx
index 28fd380e..fb427a6e 100644
--- a/resources/js/providers/menu-item-provider.tsx
+++ b/resources/js/providers/menu-item-provider.tsx
@@ -1,30 +1,52 @@
 import { index as accountsIndex } from '@/actions/App/Http/Controllers/AccountController';
 import { index as transactionsIndex } from '@/actions/App/Http/Controllers/TransactionController';
 import DiscordIcon from '@/components/icons/DiscordIcon';
-import { dashboard } from '@/routes';
-import { NavItem } from '@/types';
-import { CreditCard, Github, LayoutGrid, Receipt } from 'lucide-react';
+import { cashflow, dashboard } from '@/routes';
+import { Features, NavItem } from '@/types';
+import {
+    CreditCard,
+    Github,
+    LayoutGrid,
+    Receipt,
+    TrendingUp,
+} from 'lucide-react';
 
-export const mainNavItems: NavItem[] = [
-    {
-        type: 'nav-item',
-        title: 'Dashboard',
-        href: dashboard(),
-        icon: LayoutGrid,
-    },
-    {
-        type: 'nav-item',
-        title: 'Accounts',
-        href: accountsIndex(),
-        icon: CreditCard,
-    },
-    {
-        type: 'nav-item',
-        title: 'Transactions',
-        href: transactionsIndex(),
-        icon: Receipt,
-    },
-];
+export function getMainNavItems(features: Features): NavItem[] {
+    const items: NavItem[] = [
+        {
+            type: 'nav-item',
+            title: 'Dashboard',
+            href: dashboard(),
+            icon: LayoutGrid,
+        },
+    ];
+
+    if (features.cashflow) {
+        items.push({
+            type: 'nav-item',
+            title: 'Cashflow',
+            href: cashflow(),
+            icon: TrendingUp,
+        });
+    }
+
+    items.push(
+        {
+            type: 'nav-item',
+            title: 'Accounts',
+            href: accountsIndex(),
+            icon: CreditCard,
+        },
+        {
+            type: 'nav-item',
+            title: 'Transactions',
+            href: transactionsIndex(),
+            icon: Receipt,
+        },
+    );
+
+    return items;
+}
 
 export const footerNavItems: NavItem[] = [
     {
diff --git a/resources/js/types/index.d.ts b/resources/js/types/index.d.ts
index 2c1e51d6..d2b1b2b0 100644
--- a/resources/js/types/index.d.ts
+++ b/resources/js/types/index.d.ts
@@ -37,6 +37,10 @@ export interface NavDivider {
     type: 'divider';
 }
 
+export interface Features {
+    cashflow: boolean;
+}
+
 export interface SharedData {
     name: string;
     appUrl: string;
@@ -46,6 +50,7 @@ export interface SharedData {
     subscriptionsEnabled: boolean;
     pricing: PricingConfig;
     sidebarOpen: boolean;
+    features: Features;
     [key: string]: unknown;
 }
 
diff --git a/routes/api.php b/routes/api.php
index 4ccb8945..cad8bd69 100644
--- a/routes/api.php
+++ b/routes/api.php
@@ -1,6 +1,7 @@
 <?php
 
 use App\Http\Controllers\AccountBalanceController;
+use App\Http\Controllers\Api\CashflowAnalyticsController;
 use App\Http\Controllers\Api\DashboardAnalyticsController;
 use App\Http\Controllers\EncryptionController;
 use App\Http\Controllers\Sync\AccountBalanceSyncController;
@@ -49,4 +50,12 @@ Route::middleware(['web', 'auth'])->group(function () {
         Route::get('top-categories', [DashboardAnalyticsController::class, 'topCategories']);
         Route::get('account/{account}/balance-evolution', [DashboardAnalyticsController::class, 'accountBalanceEvolution']);
     });
+
+    // Cashflow Analytics
+    Route::prefix('cashflow')->group(function () {
+        Route::get('summary', [CashflowAnalyticsController::class, 'summary']);
+        Route::get('sankey', [CashflowAnalyticsController::class, 'sankey']);
+        Route::get('trend', [CashflowAnalyticsController::class, 'trend']);
+        Route::get('breakdown', [CashflowAnalyticsController::class, 'breakdown']);
+    });
 });
diff --git a/routes/web.php b/routes/web.php
index fcc5272d..d8e4cb7f 100644
--- a/routes/web.php
+++ b/routes/web.php
@@ -1,6 +1,7 @@
 <?php
 
 use App\Http\Controllers\AccountController;
+use App\Http\Controllers\CashflowController;
 use App\Http\Controllers\DashboardController;
 use App\Http\Controllers\OnboardingController;
 use App\Http\Controllers\RobotsController;
@@ -46,6 +47,7 @@ Route::middleware(['auth', 'verified'])->group(function () {
 
 Route::middleware(['auth', 'verified', 'onboarded', 'subscribed'])->group(function () {
     Route::get('dashboard', DashboardController::class)->name('dashboard');
+    Route::get('cashflow', CashflowController::class)->name('cashflow');
 
     Route::get('accounts', [AccountController::class, 'index'])->name('accounts.list');
     Route::get('accounts/{account}', [AccountController::class, 'show'])->name('accounts.show');
diff --git a/tests/Feature/CashflowAnalyticsTest.php b/tests/Feature/CashflowAnalyticsTest.php
new file mode 100644
index 00000000..84023c31
--- /dev/null
+++ b/tests/Feature/CashflowAnalyticsTest.php
@@ -0,0 +1,532 @@
+<?php
+
+use App\Enums\CategoryType;
+use App\Models\Account;
+use App\Models\Category;
+use App\Models\Transaction;
+use App\Models\User;
+use Illuminate\Foundation\Testing\RefreshDatabase;
+
+uses(RefreshDatabase::class);
+
+beforeEach(function () {
+    $this->user = User::factory()->create();
+    $this->actingAs($this->user);
+});
+
+test('cashflow summary returns income, expense, net, and savings rate', function () {
+    $incomeCategory = Category::factory()->create([
+        'user_id' => $this->user->id,
+        'type' => CategoryType::Income,
+    ]);
+    $expenseCategory = Category::factory()->create([
+        'user_id' => $this->user->id,
+        'type' => CategoryType::Expense,
+    ]);
+
+    $account = Account::factory()->create(['user_id' => $this->user->id]);
+
+    // Income: $1000
+    Transaction::factory()->create([
+        'user_id' => $this->user->id,
+        'account_id' => $account->id,
+        'category_id' => $incomeCategory->id,
+        'amount' => 100000,
+        'transaction_date' => now(),
+    ]);
+
+    // Expense: $400
+    Transaction::factory()->create([
+        'user_id' => $this->user->id,
+        'account_id' => $account->id,
+        'category_id' => $expenseCategory->id,
+        'amount' => -40000,
+        'transaction_date' => now(),
+    ]);
+
+    $response = $this->getJson('/api/cashflow/summary?'.http_build_query([
+        'from' => now()->startOfMonth()->toDateString(),
+        'to' => now()->endOfMonth()->toDateString(),
+    ]));
+
+    $response->assertOk()
+        ->assertJson([
+            'current' => [
+                'income' => 100000,
+                'expense' => 40000,
+                'net' => 60000,
+                'savings_rate' => 60.0, // (1000 - 400) / 1000 * 100 = 60%
+            ],
+        ]);
+});
+
+test('cashflow summary handles zero income for savings rate', function () {
+    $expenseCategory = Category::factory()->create([
+        'user_id' => $this->user->id,
+        'type' => CategoryType::Expense,
+    ]);
+
+    $account = Account::factory()->create(['user_id' => $this->user->id]);
+
+    // Only expense, no income
+    Transaction::factory()->create([
+        'user_id' => $this->user->id,
+        'account_id' => $account->id,
+        'category_id' => $expenseCategory->id,
+        'amount' => -10000,
+        'transaction_date' => now(),
+    ]);
+
+    $response = $this->getJson('/api/cashflow/summary?'.http_build_query([
+        'from' => now()->startOfMonth()->toDateString(),
+        'to' => now()->endOfMonth()->toDateString(),
+    ]));
+
+    $response->assertOk()
+        ->assertJson([
+            'current' => [
+                'income' => 0,
+                'expense' => 10000,
+                'net' => -10000,
+                'savings_rate' => 0, // Avoid division by zero
+            ],
+        ]);
+});
+
+test('cashflow summary returns previous period data', function () {
+    $incomeCategory = Category::factory()->create([
+        'user_id' => $this->user->id,
+        'type' => CategoryType::Income,
+    ]);
+
+    $account = Account::factory()->create(['user_id' => $this->user->id]);
+
+    // Current period income
+    Transaction::factory()->create([
+        'user_id' => $this->user->id,
+        'account_id' => $account->id,
+        'category_id' => $incomeCategory->id,
+        'amount' => 50000,
+        'transaction_date' => now(),
+    ]);
+
+    // Previous period income
+    Transaction::factory()->create([
+        'user_id' => $this->user->id,
+        'account_id' => $account->id,
+        'category_id' => $incomeCategory->id,
+        'amount' => 30000,
+        'transaction_date' => now()->subMonthNoOverflow(),
+    ]);
+
+    $response = $this->getJson('/api/cashflow/summary?'.http_build_query([
+        'from' => now()->startOfMonth()->toDateString(),
+        'to' => now()->endOfMonth()->toDateString(),
+    ]));
+
+    $response->assertOk();
+    $data = $response->json();
+
+    expect($data['current']['income'])->toBe(50000);
+    expect($data['previous']['income'])->toBe(30000);
+});
+
+test('sankey returns income and expense categories with amounts', function () {
+    $incomeCategory1 = Category::factory()->create([
+        'user_id' => $this->user->id,
+        'type' => CategoryType::Income,
+        'name' => 'Salary',
+    ]);
+    $incomeCategory2 = Category::factory()->create([
+        'user_id' => $this->user->id,
+        'type' => CategoryType::Income,
+        'name' => 'Freelance',
+    ]);
+    $expenseCategory1 = Category::factory()->create([
+        'user_id' => $this->user->id,
+        'type' => CategoryType::Expense,
+        'name' => 'Housing',
+    ]);
+    $expenseCategory2 = Category::factory()->create([
+        'user_id' => $this->user->id,
+        'type' => CategoryType::Expense,
+        'name' => 'Food',
+    ]);
+
+    $account = Account::factory()->create(['user_id' => $this->user->id]);
+
+    // Income transactions
+    Transaction::factory()->create([
+        'user_id' => $this->user->id,
+        'account_id' => $account->id,
+        'category_id' => $incomeCategory1->id,
+        'amount' => 500000, // $5000
+        'transaction_date' => now(),
+    ]);
+    Transaction::factory()->create([
+        'user_id' => $this->user->id,
+        'account_id' => $account->id,
+        'category_id' => $incomeCategory2->id,
+        'amount' => 100000, // $1000
+        'transaction_date' => now(),
+    ]);
+
+    // Expense transactions
+    Transaction::factory()->create([
+        'user_id' => $this->user->id,
+        'account_id' => $account->id,
+        'category_id' => $expenseCategory1->id,
+        'amount' => -150000, // $1500
+        'transaction_date' => now(),
+    ]);
+    Transaction::factory()->create([
+        'user_id' => $this->user->id,
+        'account_id' => $account->id,
+        'category_id' => $expenseCategory2->id,
+        'amount' => -50000, // $500
+        'transaction_date' => now(),
+    ]);
+
+    $response = $this->getJson('/api/cashflow/sankey?'.http_build_query([
+        'from' => now()->startOfMonth()->toDateString(),
+        'to' => now()->endOfMonth()->toDateString(),
+    ]));
+
+    $response->assertOk();
+    $data = $response->json();
+
+    expect($data)->toHaveKeys(['income_categories', 'expense_categories', 'total_income', 'total_expense']);
+    expect($data['total_income'])->toBe(600000);
+    expect($data['total_expense'])->toBe(200000);
+    expect($data['income_categories'])->toHaveCount(2);
+    expect($data['expense_categories'])->toHaveCount(2);
+
+    // Check that categories include required data
+    $incomeIds = collect($data['income_categories'])->pluck('category.id')->toArray();
+    expect($incomeIds)->toContain($incomeCategory1->id);
+    expect($incomeIds)->toContain($incomeCategory2->id);
+});
+
+test('cashflow trend returns monthly data for specified months', function () {
+    $incomeCategory = Category::factory()->create([
+        'user_id' => $this->user->id,
+        'type' => CategoryType::Income,
+    ]);
+    $expenseCategory = Category::factory()->create([
+        'user_id' => $this->user->id,
+        'type' => CategoryType::Expense,
+    ]);
+
+    $account = Account::factory()->create(['user_id' => $this->user->id]);
+
+    // Create transactions for 3 months
+    for ($i = 0; $i < 3; $i++) {
+        Transaction::factory()->create([
+            'user_id' => $this->user->id,
+            'account_id' => $account->id,
+            'category_id' => $incomeCategory->id,
+            'amount' => 100000 + ($i * 10000),
+            'transaction_date' => now()->subMonths($i),
+        ]);
+        Transaction::factory()->create([
+            'user_id' => $this->user->id,
+            'account_id' => $account->id,
+            'category_id' => $expenseCategory->id,
+            'amount' => -(50000 + ($i * 5000)),
+            'transaction_date' => now()->subMonths($i),
+        ]);
+    }
+
+    $response = $this->getJson('/api/cashflow/trend?months=3');
+
+    $response->assertOk();
+    $data = $response->json();
+
+    expect($data['data'])->toHaveCount(3);
+    expect($data['data'][0])->toHaveKeys(['month', 'income', 'expense', 'net']);
+});
+
+test('cashflow trend defaults to 12 months', function () {
+    $response = $this->getJson('/api/cashflow/trend');
+
+    $response->assertOk();
+    $data = $response->json();
+
+    expect($data['data'])->toHaveCount(12);
+});
+
+test('breakdown returns category amounts with percentages for expenses', function () {
+    $cat1 = Category::factory()->create([
+        'user_id' => $this->user->id,
+        'type' => CategoryType::Expense,
+        'name' => 'Housing',
+    ]);
+    $cat2 = Category::factory()->create([
+        'user_id' => $this->user->id,
+        'type' => CategoryType::Expense,
+        'name' => 'Food',
+    ]);
+
+    $account = Account::factory()->create(['user_id' => $this->user->id]);
+
+    // Housing: 60% of total
+    Transaction::factory()->create([
+        'user_id' => $this->user->id,
+        'account_id' => $account->id,
+        'category_id' => $cat1->id,
+        'amount' => -60000,
+        'transaction_date' => now(),
+    ]);
+
+    // Food: 40% of total
+    Transaction::factory()->create([
+        'user_id' => $this->user->id,
+        'account_id' => $account->id,
+        'category_id' => $cat2->id,
+        'amount' => -40000,
+        'transaction_date' => now(),
+    ]);
+
+    $response = $this->getJson('/api/cashflow/breakdown?'.http_build_query([
+        'from' => now()->startOfMonth()->toDateString(),
+        'to' => now()->endOfMonth()->toDateString(),
+        'type' => 'expense',
+    ]));
+
+    $response->assertOk();
+    $data = $response->json();
+
+    expect($data)->toHaveKeys(['data', 'total', 'previous_total']);
+    expect($data['total'])->toBe(100000);
+    expect($data['data'])->toHaveCount(2);
+
+    // Should be sorted by amount desc (Housing first)
+    expect($data['data'][0]['category']['name'])->toBe('Housing');
+    expect($data['data'][0]['amount'])->toBe(60000);
+    expect($data['data'][0]['percentage'])->toEqual(60.0);
+    expect($data['data'][0])->toHaveKey('previous_amount');
+});
+
+test('breakdown returns category amounts for income', function () {
+    $cat1 = Category::factory()->create([
+        'user_id' => $this->user->id,
+        'type' => CategoryType::Income,
+        'name' => 'Salary',
+    ]);
+    $cat2 = Category::factory()->create([
+        'user_id' => $this->user->id,
+        'type' => CategoryType::Income,
+        'name' => 'Freelance',
+    ]);
+
+    $account = Account::factory()->create(['user_id' => $this->user->id]);
+
+    Transaction::factory()->create([
+        'user_id' => $this->user->id,
+        'account_id' => $account->id,
+        'category_id' => $cat1->id,
+        'amount' => 500000,
+        'transaction_date' => now(),
+    ]);
+
+    Transaction::factory()->create([
+        'user_id' => $this->user->id,
+        'account_id' => $account->id,
+        'category_id' => $cat2->id,
+        'amount' => 100000,
+        'transaction_date' => now(),
+    ]);
+
+    $response = $this->getJson('/api/cashflow/breakdown?'.http_build_query([
+        'from' => now()->startOfMonth()->toDateString(),
+        'to' => now()->endOfMonth()->toDateString(),
+        'type' => 'income',
+    ]));
+
+    $response->assertOk();
+    $data = $response->json();
+
+    expect($data['total'])->toBe(600000);
+    expect($data['data'])->toHaveCount(2);
+    expect($data['data'][0]['category']['name'])->toBe('Salary');
+});
+
+test('breakdown requires type parameter', function () {
+    $response = $this->getJson('/api/cashflow/breakdown?'.http_build_query([
+        'from' => now()->startOfMonth()->toDateString(),
+        'to' => now()->endOfMonth()->toDateString(),
+    ]));
+
+    $response->assertUnprocessable();
+});
+
+test('cashflow page is accessible', function () {
+    $user = User::factory()->onboarded()->create();
+    $this->actingAs($user);
+
+    $response = $this->get('/cashflow');
+
+    $response->assertOk();
+    $response->assertInertia(fn ($page) => $page->component('cashflow/index'));
+});
+
+test('cashflow page returns categories with type', function () {
+    $user = User::factory()->onboarded()->create();
+    $this->actingAs($user);
+
+    Category::factory()->create([
+        'user_id' => $user->id,
+        'type' => CategoryType::Income,
+        'name' => 'Salary',
+    ]);
+    Category::factory()->create([
+        'user_id' => $user->id,
+        'type' => CategoryType::Expense,
+        'name' => 'Food',
+    ]);
+
+    $response = $this->get('/cashflow');
+
+    $response->assertOk();
+    $response->assertInertia(fn ($page) => $page
+        ->component('cashflow/index')
+        ->has('categories', 2)
+        ->has('categories.0.type')
+    );
+});
+
+test('cashflow summary includes uncategorized income', function () {
+    $account = Account::factory()->create(['user_id' => $this->user->id]);
+
+    // Uncategorized positive amount = income
+    Transaction::factory()->create([
+        'user_id' => $this->user->id,
+        'account_id' => $account->id,
+        'category_id' => null,
+        'amount' => 50000, // $500
+        'transaction_date' => now(),
+    ]);
+
+    $response = $this->getJson('/api/cashflow/summary?'.http_build_query([
+        'from' => now()->startOfMonth()->toDateString(),
+        'to' => now()->endOfMonth()->toDateString(),
+    ]));
+
+    $response->assertOk()
+        ->assertJson([
+            'current' => [
+                'income' => 50000,
+                'expense' => 0,
+                'net' => 50000,
+            ],
+        ]);
+});
+
+test('cashflow summary includes uncategorized expenses', function () {
+    $account = Account::factory()->create(['user_id' => $this->user->id]);
+
+    // Uncategorized negative amount = expense
+    Transaction::factory()->create([
+        'user_id' => $this->user->id,
+        'account_id' => $account->id,
+        'category_id' => null,
+        'amount' => -30000, // $300
+        'transaction_date' => now(),
+    ]);
+
+    $response = $this->getJson('/api/cashflow/summary?'.http_build_query([
+        'from' => now()->startOfMonth()->toDateString(),
+        'to' => now()->endOfMonth()->toDateString(),
+    ]));
+
+    $response->assertOk()
+        ->assertJson([
+            'current' => [
+                'income' => 0,
+                'expense' => 30000,
+                'net' => -30000,
+            ],
+        ]);
+});
+
+test('sankey includes unknown income and expense categories', function () {
+    $account = Account::factory()->create(['user_id' => $this->user->id]);
+
+    // Uncategorized income
+    Transaction::factory()->create([
+        'user_id' => $this->user->id,
+        'account_id' => $account->id,
+        'category_id' => null,
+        'amount' => 100000,
+        'transaction_date' => now(),
+    ]);
+
+    // Uncategorized expense
+    Transaction::factory()->create([
+        'user_id' => $this->user->id,
+        'account_id' => $account->id,
+        'category_id' => null,
+        'amount' => -50000,
+        'transaction_date' => now(),
+    ]);
+
+    $response = $this->getJson('/api/cashflow/sankey?'.http_build_query([
+        'from' => now()->startOfMonth()->toDateString(),
+        'to' => now()->endOfMonth()->toDateString(),
+    ]));
+
+    $response->assertOk();
+    $data = $response->json();
+
+    expect($data['income_categories'])->toHaveCount(1);
+    expect($data['expense_categories'])->toHaveCount(1);
+    expect($data['income_categories'][0]['category']['name'])->toBe('Unknown Income');
+    expect($data['income_categories'][0]['amount'])->toBe(100000);
+    expect($data['expense_categories'][0]['category']['name'])->toBe('Unknown Expense');
+    expect($data['expense_categories'][0]['amount'])->toBe(50000);
+});
+
+test('breakdown includes unknown income category', function () {
+    $incomeCategory = Category::factory()->create([
+        'user_id' => $this->user->id,
+        'type' => CategoryType::Income,
+        'name' => 'Salary',
+    ]);
+
+    $account = Account::factory()->create(['user_id' => $this->user->id]);
+
+    // Categorized income
+    Transaction::factory()->create([
+        'user_id' => $this->user->id,
+        'account_id' => $account->id,
+        'category_id' => $incomeCategory->id,
+        'amount' => 200000,
+        'transaction_date' => now(),
+    ]);
+
+    // Uncategorized income
+    Transaction::factory()->create([
+        'user_id' => $this->user->id,
+        'account_id' => $account->id,
+        'category_id' => null,
+        'amount' => 50000,
+        'transaction_date' => now(),
+    ]);
+
+    $response = $this->getJson('/api/cashflow/breakdown?'.http_build_query([
+        'from' => now()->startOfMonth()->toDateString(),
+        'to' => now()->endOfMonth()->toDateString(),
+        'type' => 'income',
+    ]));
+
+    $response->assertOk();
+    $data = $response->json();
+
+    expect($data['total'])->toBe(250000);
+    expect($data['data'])->toHaveCount(2);
+
+    $unknownCategory = collect($data['data'])->firstWhere('category.name', 'Unknown Income');
+    expect($unknownCategory)->not->toBeNull();
+    expect($unknownCategory['amount'])->toBe(50000);
+    expect($unknownCategory['percentage'])->toEqual(20.0); // 50k / 250k = 20%
+});