# How do I find unreported income in bank statements?

> 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](https://www.counselpro.ai/docs/generate-insights) 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](https://www.counselpro.ai/docs/check-statement-coverage-gaps) first. To pull the actual deposits behind a month, [filter the ledger](https://www.counselpro.ai/docs/filter-transactions) by date and Kind, or [ask Daystrom](https://www.counselpro.ai/docs/category/analysis-agent) to list them.

Source: https://www.counselpro.ai/docs/find-unreported-income