How do I find unreported income in bank statements?
Last updated
The Income insight in CounselPro totals every deposit into a client's accounts by month, so undisclosed or irregular income stands out from what they reported.
Undisclosed income usually hides in plain sight: a steady deposit that never showed up on a financial disclosure, or a spike in one month that does not match a salary. The Income insight totals the money coming in so those patterns are easy to spot.
What does the Income insight show?
Open the Insights tab and go to Income. You get a Monthly Income Trend line chart of income by month, with a Cumulative toggle to see the running total build over the period. Below it, a Monthly Breakdown table lists each month's income and the change from the month before, so a sudden jump is obvious.
Compare that against what the client reported. A month that runs well above their stated income, or a deposit stream they never mentioned, is exactly what this view is meant to surface.
What counts as income here?
Money coming into the accounts, the deposits and credits. A couple of things it deliberately leaves out, so the total is not inflated:
Transfers between the client's own accounts. Moving money from checking to savings is not new income, so those internal transfers are left out of the total.
Credit-card payments. Paying down a card is not income, so a payment landing on a card account does not count.
Note
The first and last months of your coverage may be partial, since a statement period rarely lines up with the calendar month. Read the ends of the trend with that in mind.
A low month can also just mean a missing statement, so it is worth a look at statement coverage first. To pull the actual deposits behind a month, filter the ledger by date and Kind, or ask Daystrom to list them.
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