Enter your income sources and monthly expenses to calculate your net cash flow. Fill in fields like primary income, government benefits, housing costs, transportation, debt repayments, and savings — and the Cash Flow Calculator shows your total inflow, total outflow, and unallocated cash flow at a glance.
Net Cash Flow
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Total Cash Inflow
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Total Cash Outflow
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Savings Rate
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Projected Annual Net
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A cash flow calculator adds up all your income sources (inflows) and subtracts all your expenses (outflows) to show your net cash flow. A positive result means you have surplus money each month; a negative result signals a deficit. This helps you understand where your money goes and identify areas to cut back or save more.
Cash inflow includes all money coming into your household — salaries, government benefits, rental income, and investment returns. Cash outflow is all money going out — housing, groceries, transportation, loan repayments, and discretionary spending. Your net cash flow is inflow minus outflow.
Unallocated cash flow is the money left over after accounting for all your known income and expenses. It represents funds you haven't assigned to a specific purpose yet — you could direct this toward savings, debt repayment, investments, or an emergency fund.
Enter all amounts on the same periodic basis — this calculator uses monthly figures by default and converts to annual automatically. If you have irregular income or expenses (e.g. annual insurance premiums), divide them by 12 to get the monthly equivalent before entering.
All figures should be entered as net (after-tax) amounts. For employment income, use your actual take-home pay rather than your gross salary. This ensures the calculator reflects money you actually have available to spend or save.
Financial experts generally recommend saving at least 20% of your net income, following the 50/30/20 rule (50% needs, 30% wants, 20% savings). However, even saving 10% consistently can build meaningful wealth over time. This calculator shows your savings rate so you can benchmark where you stand.
A negative cash flow means your expenses exceed your income. Start by reviewing your largest expense categories and look for areas to reduce spending. You could also explore ways to increase income through additional work, monetizing skills, or reviewing government benefits you may be entitled to. A financial advisor can help you build a plan.
It's a good habit to review your cash flow at least once a month, especially after any major life change — a new job, moving home, having a child, or taking on new debt. Regular reviews help you stay on track with financial goals and catch overspending early.