Online Personal Cash Flow Calculator Tool

Advanced Cash Flow Calculator

Track, analyze, and optimize your monthly cash flow

User Guide

Getting Started

This cash flow calculator helps you understand where your money is going and how much you have left after expenses.

How to Use:

1. Enter your monthly income sources (salary, passive income, etc.)
2. Add your fixed expenses (rent, utilities, subscriptions)
3. Include your variable expenses (groceries, dining, entertainment)
4. Click "Calculate Cash Flow" to see your results

Understanding Your Results:

• Positive Cash Flow: You're earning more than spending. Consider investing or saving the difference.
• Negative Cash Flow: You're spending more than earning. Look for ways to reduce expenses or increase income.
• Breakdown Analysis: Shows how your money is allocated and helps identify areas for improvement.

Tips for Healthy Cash Flow:

• Aim for a positive cash flow of at least 20% of your income
• Regularly review and adjust your budget
• Consider the 50/30/20 rule: 50% for needs, 30% for wants, 20% for savings

Income Sources

$

Add Income Source

Fixed Expenses

$

$

Add Fixed Expense

Variable Expenses

$

$

Add Variable Expense

Your Cash Flow Analysis

$2,400

Monthly Cash Flow

Calculation Breakdown

Total Income: $5,000

Fixed Expenses: $1,700

Variable Expenses: $900

Total Expenses: $2,600

Cash Flow: $2,400

Cash Flow Ratio: 48%

Cash Flow Analysis

Your cash flow is positive. You're earning more than you're spending, which is excellent! Consider investing or saving this excess to build wealth over time.

Recommendation: Follow the 50/30/20 rule by allocating 50% of your income to needs, 30% to wants, and 20% to savings and debt repayment.

Feature	Details
Price	Free
Rendering	Client-Side Rendering
Language	JavaScript
Paywall	No

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About This Tool

How It Works?