Consolidated Statements of Cash Flows - USD ($) $ in Millions	12 Months Ended
	Jul. 31, 2020	Jul. 31, 2019	Jul. 31, 2018
Cash flows from operating activities:
Net income	$ 1,826	$ 1,557	$ 1,329
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	189	199	228
Amortization of acquired intangible assets	29	26	25
Non-cash operating lease cost	60	0	0
Share-based compensation expense	435	401	382
Loss on sale of long-lived assets	0	0	79
Deferred income taxes	(179)	(7)	(5)
Other	6	15	6
Total adjustments	540	634	715
Originations of loans held for sale	(566)	0	0
Sale and principal payments of loans held for sale	482	0	0
Changes in operating assets and liabilities:
Accounts receivable	(59)	11	5
Income taxes receivable	53	5	(1)
Prepaid expenses and other assets	(31)	(37)	(33)
Accounts payable	33	90	12
Accrued compensation and related liabilities	100	16	75
Deferred revenue	38	39	6
Operating lease liabilities	(61)	0	0
Other liabilities	59	9	4
Total changes in operating assets and liabilities	132	133	68
Net cash provided by operating activities	2,414	2,324	2,112
Cash flows from investing activities:
Purchases of corporate and customer fund investments	(701)	(752)	(407)
Sales of corporate and customer fund investments	130	84	128
Maturities of corporate and customer fund investments	596	303	286
Purchases of property and equipment	(59)	(76)	(38)
Capitalization of internal use software	(78)	(79)	(86)
Acquisitions of businesses, net of cash acquired	0	(64)	(363)
Originations of term loans to small businesses	(243)	(316)	(137)
Principal repayments of term loans from small businesses	287	267	82
Other	(29)	(2)	3
Net cash used in investing activities	(97)	(635)	(532)
Cash flows from financing activities:
Proceeds from issuance of long-term debt, net of discount and issuance costs	1,983	0	0
Proceeds from borrowings under unsecured revolving credit facility	1,000	0	800
Repayments on borrowings under unsecured revolving credit facility	0	0	(800)
Proceeds from borrowings under secured revolving credit facility	0	48	0
Repayment of debt	(50)	(50)	(50)
Proceeds from issuance of stock under employee stock plans	211	284	295
Payments for employee taxes withheld upon vesting of restricted stock units	(244)	(251)	(199)
Cash paid for purchases of treasury stock	(323)	(556)	(272)
Dividends and dividend rights paid	(561)	(501)	(407)
Net change in customer fund deposits	19	69	(5)
Other	(1)	(8)	(1)
Net cash provided by (used in) financing activities	2,034	(965)	(639)
Effect of exchange rates on cash, cash equivalents, restricted cash, and restricted cash equivalents	(6)	(3)	(11)
Net increase in cash, cash equivalents, restricted cash, and restricted cash equivalents	4,345	721	930
Cash, cash equivalents, restricted cash, and restricted cash equivalents at beginning of period	2,352	1,631	701
Cash, cash equivalents, restricted cash, and restricted cash equivalents at end of period	6,697	2,352	1,631
Total cash, cash equivalents, restricted cash, and restricted cash equivalents at end of period	6,697	1,631	1,631
Supplemental disclosure of cash flow information:
Interest paid	14	17	19
Income taxes paid	$ 493	$ 325	$ 245