Cash Flow Calculator

Because incomes and expenses vary in amounts and intervals, trying to figure how much we can afford to spend or save during any given month can become confusing. Just because you have left over cash this month doesn't mean it's actually available for spending. This calculator converts all income and expenses into their monthly equivalents so you can easily see how much you can really afford to spend during any given month..

Starting at the top and working your way down, complete and calculate the cash flows for each of the six sections. Once you've computed the entire worksheet, including the Cash Flow Summary, you can then go back and edit your entries. Once you're comfortable with your Cash Flow Forecast you can then click on the "Create Report" button at the bottom of the worksheet. This will create a condensed report in a new window that you can print out and refer to when creating your spending plan.

Income

Examples:
(Highlight & Drag)

Your Primary Job
Spouse's Primary Job
Your Second Job
Spouse's Second Job
Your Business Revenues
Spouse's Business Revenues
Interest & Dividend Income
Rental Income
Cash Gifts
Gambling Winnings
Rummage Sale Receipts
Tax Refund

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Instructions
Income
Administrative
Personnel
Transportation
Residential
Entertainment
Totals

Income
Description
#pmts
/ year
$ Amt
Each Pmt
Monthly
Amount
Total Monthly Income:
Administrative Expenses Balance Forward:

Examples:
(Highlight & Drag)

Savings Deposits
Investment Deposits
Office Supplies
Postage
Basic Phone
Tax Preparation
Computer Supplies
Legal Expenses
Misc. Payments
Brokerage Fees
Income Tax Payments
Health Insurance
Life Insurance
Charitable Gifts
Tools
Reference Materials
Classified Ads

Quick Jump to:

Instructions
Income
Administrative
Personnel
Transportation
Residential
Entertainment
Totals

Expense
Description
#pmts
/ year
$ Amt
Each Pmt
Monthly
Amount
Total Monthly Administrative Expense:
Personnel Expenses
Balance Forward

Examples:
(Highlight & Drag)

Groceries
Vegetable Gardening
School Lunches
Toiletries & Grooming
Hair & Make-up
Medical, Dental, & Optical
Medication & Prescriptions
Clothing & Laundry
Dry Cleaning
Education
Daycare
Child Support
Health Club Memberships
Therapy

Expense
Description
#pmts
/ year
$ Amt
Each Pmt
Monthly
Amount
Total Monthly Personnel Expense:
Transportation Expenses
Balance Forward

Examples:
(Highlight & Drag)

Gasoline
Car Repairs & Maintenance
Car Insurance
Car Payments
Lease Payments
Fares and tolls
Parking
Licenses & Permits
Fines & Tickets

Quick Jump to: Instructions
Income
Administrative
Personnel
Transportation
Residential
Entertainment
Totals

Expense
Description
#pmts
/ year
$ Amt
Each Pmt
Monthly
Amount
Total Monthly Transportation Expenses:
Residential Expenses
Balance Forward

Examples:
(Highlight & Drag)

Grounds Maintenance
Building Repairs & Maint.
Cleaning Supplies
Furniture & Fixtures
Appliances
Pest Control
Interior Decorating
Rent or Lease Payments
Mortgage Payments
Property Taxes
Propane, Fuel Oil, & Wood
Electricity
Property Insurance
Snow Removal
Alarm Systems

Quick Jump to: Instructions
Infcp,e
Administrative
Personnel
Transportation
Residential
Entertainment
Totals

Expense
Description
#pmts
/ year
$ Amt
Each Pmt
Monthly
Amount
Total Monthly Residential Expenses:
Entertainment Expenses
Balance Forward

Examples:
(Highlight & Drag)

Movies & Theatrical
Long Distance Calls
Video & Movie Rental
Cable & Satellite
Sporting Events & Activities
Hobbies & Crafts
Games, Arcade, and Amusement
Parties & Entertaining
Gifts
Dining Out
Nightclubs
Gambling
Pets & Pet Supplies
Music
Vacation Property Payments
Vacation & Travel

Quick Jump to: Instructions
Inflows
Administrative
Personnel
Transportation
Residential
Entertainment
Totals

Expense
Description
#pmts
/ year
$ Amt
Each Pmt
Monthly
Amount
Total Monthly Entertainment Expenses:
Summary of Inflow and Outflows
Category Expenses Income
Monthly Inflow
Monthly Administrative Outflow
Monthly Personnel Outflow
Monthly Transportation Outflow
Monthly Residential Outflow
Monthly Entertainment Outflow
Total Monthly Outflows
Net Cash Flow