Consolidated Statements of Cash Flows - USD ($) $ in Millions	12 Months Ended
	Jul. 31, 2021	Jul. 31, 2020	Jul. 31, 2019
Cash flows from operating activities:
Net income	$ 2,062	$ 1,826	$ 1,557
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	166	189	199
Amortization of acquired intangible assets	197	29	26
Non-cash operating lease cost	62	60	0
Share-based compensation expense	753	435	401
Deferred income taxes	(42)	(179)	(7)
Other	(39)	6	15
Total adjustments	1,097	540	634
Originations of loans held for sale	(41)	(566)	0
Sale and principal payments of loans held for sale	143	482	0
Changes in operating assets and liabilities:
Accounts receivable	(104)	(59)	11
Income taxes receivable	(51)	53	5
Prepaid expenses and other assets	30	(31)	(37)
Accounts payable	206	33	90
Accrued compensation and related liabilities	(70)	100	16
Deferred revenue	22	38	39
Operating lease liabilities	(66)	(61)	0
Other liabilities	22	59	9
Total changes in operating assets and liabilities	(11)	132	133
Net cash provided by operating activities	3,250	2,414	2,324
Cash flows from investing activities:
Purchases of corporate and customer fund investments	(1,489)	(701)	(752)
Sales of corporate and customer fund investments	229	130	84
Maturities of corporate and customer fund investments	550	596	303
Purchases of property and equipment	(53)	(59)	(76)
Capitalization of internal use software	(72)	(78)	(79)
Acquisitions of businesses, net of cash acquired	(3,064)	0	(64)
Originations of term loans to small businesses	(232)	(243)	(316)
Principal repayments of term loans from small businesses	136	287	267
Other	30	(29)	(2)
Net cash used in investing activities	(3,965)	(97)	(635)
Cash flows from financing activities:
Proceeds from issuance of long-term debt, net of discount and issuance costs	0	1,983	0
Proceeds from borrowings under unsecured revolving credit facility	0	1,000	0
Repayments on borrowings under unsecured revolving credit facility	(1,000)	0	0
Proceeds from borrowings under secured revolving credit facility	0	0	48
Repayment of debt	(338)	(50)	(50)
Proceeds from issuance of stock under employee stock plans	196	211	284
Payments for employee taxes withheld upon vesting of restricted stock units	(383)	(244)	(251)
Cash paid for purchases of treasury stock	(1,005)	(323)	(556)
Dividends and dividend rights paid	(646)	(561)	(501)
Net change in customer fund deposits	2	19	69
Other	(2)	(1)	(8)
Net cash provided by (used in) financing activities	(3,176)	2,034	(965)
Effect of exchange rates on cash, cash equivalents, restricted cash, and restricted cash equivalents	13	(6)	(3)
Net increase (decrease) in cash, cash equivalents, restricted cash, and restricted cash equivalents	(3,878)	4,345	721
Cash, cash equivalents, restricted cash, and restricted cash equivalents at beginning of period	6,697	2,352	1,631
Cash, cash equivalents, restricted cash, and restricted cash equivalents at end of period	2,819	6,697	2,352
Cash and cash equivalents	2,562	6,442	2,116
Restricted cash and restricted cash equivalents included in funds held for customers	257	255	236
Total cash, cash equivalents, restricted cash, and restricted cash equivalents at end of period	2,819	6,697	2,352
Supplemental disclosure of cash flow information:
Interest paid	30	14	17
Income taxes paid	578	493	325
Supplemental schedule of non-cash investing activities:
Issuance of common stock in a business combination	$ 3,798	$ 0	$ 0