Cash Flow Calculator
Calculate your monthly net cash flow and savings rate.
Track income sources against expenses to understand your financial health.
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Net Cash Flow
Net Cash Flow shows whether you are earning more than you spend each month.
Net Cash Flow = Total Income - Total Expenses
Savings Rate = (Net Cash Flow / Total Income) × 100
Healthy savings rate benchmarks:
- Below 10%: Needs improvement
- 10–15%: Minimum recommended
- 15–25%: Good — on track for retirement
- 25–50%: Excellent — accelerated wealth building
- 50%+: FIRE (Financial Independence, Retire Early) territory
Income includes: salary, freelance, rental, dividends, side hustles Expenses include: housing, food, transport, insurance, entertainment, debt payments
Example: $6,000 income - $4,200 expenses = $1,800 net cash flow = 30% savings rate
Tracking cash flow monthly helps identify spending patterns and opportunities to increase savings.