Cash Flow Calculator
Calculate your monthly net cash flow and savings rate.
Track income sources against expenses to understand your financial health.
Cash flow is the net movement of money into and out of your finances over a period of time. Positive cash flow means more money is coming in than going out; negative cash flow means you are drawing down savings or accumulating debt.
Formulas:
Net Cash Flow = Total Inflows − Total Outflows Free Cash Flow = Net Income + Non-Cash Expenses − Capital Expenditures − Changes in Working Capital Cash Flow Coverage Ratio = Net Cash Flow ÷ Total Debt Obligations Monthly Savings Rate = Net Cash Flow ÷ Total Inflows × 100
Inflow categories:
- Salary / wages (after tax)
- Freelance / side income
- Rental income
- Investment dividends and interest
- Business revenue
- Government benefits or tax refunds
Outflow categories:
- Housing (rent or mortgage + utilities)
- Food (groceries + dining)
- Transportation (car payment, fuel, insurance, public transit)
- Insurance (health, life, renters/home)
- Debt payments (credit cards, student loans)
- Subscriptions and memberships
- Entertainment and personal
- Savings and investments (treat as an outflow to yourself)
Worked example: Monthly inflows: Salary $4,800 + freelance $600 = $5,400 Monthly outflows: Rent $1,400 + utilities $180 + groceries $450 + car $320 + insurance $210 + debt payments $380 + personal $350 + subscriptions $85 = $3,375
Net Cash Flow = $5,400 − $3,375 = $2,025/month Savings Rate = $2,025 ÷ $5,400 × 100 = 37.5% — excellent (target is 20%+)
Cash Flow Coverage Ratio: If monthly debt obligations = $680, ratio = $2,025 ÷ $680 = 2.98 — strong (above 1.25 is healthy).