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Cash Flow Calculator
Map out all your monthly income streams against expenses to determine your net cash flow, margin, and future projections.
Monthly Income (Inflows)
Monthly Expenses (Outflows)
Net Monthly Cash Flow
$0
Evaluating...
Total Inflow
$0
Total Outflow
$0
Cash Flow Margin
0%
Projections (Assuming Constant Rates)
6-Month Projection
$0
12-Month Projection
$0
How it works
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Total Inflow = Sum of all Income Sources
Total Outflow = Sum of all Expense Categories
Net Cash Flow = Total Inflow - Total Outflow
Cash Flow Margin = (Net Cash Flow / Total Inflow) × 100
Total Outflow = Sum of all Expense Categories
Net Cash Flow = Total Inflow - Total Outflow
Cash Flow Margin = (Net Cash Flow / Total Inflow) × 100
Examples
- Income: $5,000 | Expenses: $4,000: Net = +$1,000/mo. Margin = 20%. Status: Positive.
- Income: $3,000 | Expenses: $3,500: Net = -$500/mo. Margin = -16.6%. Status: Negative. (Burn rate).
Frequently Asked Questions
What is a good cash flow margin?
For personal finance, saving/retaining 20% or more of your income is a fantastic goal. For businesses, a healthy margin varies heavily by industry, but typically 10-20% is considered good and provides a safety net against downturns.
What if my cash flow is negative?
A negative cash flow means you are spending more than you earn. You are either draining your savings/cash reserves or taking on debt to sustain your operations. This is sometimes normal for startups (known as a "burn rate"), but unsustainable long-term.
Is cash flow the same as profit?
No. Profit includes non-cash expenses like depreciation and excludes capital expenditures. Cash flow strictly tracks actual money entering and leaving your accounts over a specific period.