Cash Flow Calculator
Monthly Cash Flow
Calculate your monthly net cash flow from income and expenses
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Formula
Net Cash Flow = Total Income - Total Expenses. Savings Rate = Net Cash Flow / Total Income × 100. Annual Savings = Net Cash Flow × 12.
Frequently Asked Questions
What is cash flow?
Cash flow is the difference between your total income and total expenses over a period. Positive cash flow means you have money left over to save or invest. Negative cash flow means you are spending more than you earn and need to adjust your budget.
What is a good savings rate?
Financial experts generally recommend saving at least 20% of your after-tax income (the 50/30/20 rule). For aggressive savers targeting early retirement, 30-50% is common. Even 10% is a good starting point if 20% is not yet achievable.
How can I improve my cash flow?
Reduce expenses by cutting subscriptions, cooking more meals at home, shopping around for insurance, and refinancing high-interest debt. Increase income through raises, side work, or selling unused items. Track every expense for a month to identify areas to optimize.
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