Monthly Cash Flow Calculator

Monthly Cash Flow Calculator

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A cash flow analysis shows your income and expenses and determines whether you are "living within your means" or having to borrow money each month. The calculator below will help you to categorize your monthly income and expenses and will show you whether or not you are spending more than you make.

After tracking your expenditures over the course of 30 days, you can categorize the money you spend and create a cash flow analysis. Even if you don't feel like tracking every cent you spend for a month, you will find that the calculator below has a large number of categories that help you to guesstimate your monthly expenses fairly accurately. It will be useful to collect together your check book and a stack of monthly bills before starting in with this calculator, as they will contain the data you need to fill in all of the different fields.

You will want to use the Hidden Expense Calculator first because the monthly number it generates is needed in this calculator.

Income
Regular income Enter you normal monthly income here. If you are married, add your income with your spouse's.
Other income Enter any extra monthly income you might make from a night job, royalties, etc.
Expenses
Rent or mortgage Enter your monthly rent or mortgage bill here.
Car payment If you have a car loan(s), enter the total monthly payment(s) here.
College loans If you are making payments on a college loan, enter the monthly payment here.
Other loans If you make monthly payments on other loans for furniture, boats, appliances, etc., enter the total monthly payments here.
Insurance If you make monthly payments on any type of insurance, enter the amount here (do not enter insurance policies that you pay yearly or every six months, as they will be on the hidden expense calculator).
Groceries Enter the amount you spend per month on food at the grocery store.
Eating out Enter the amount you spend per month on food at restaurants, vending machines, etc.
Gasoline Enter the amount you spend per month on gasoline.
Electricity Enter your average monthly electric bill here.
Gas Enter your average monthly natural gas bill here.
Water/sewer Enter your average monthly water bill here.
Telephone Enter the amount you spend on local and long distance phone service per month.
Clothing Enter the amount you spend on clothing per month.
Habits If you smoke, play the lottery, etc. on a regular basis, enter your average monthly expenses here.
Cable TV If you have cable, enter your monthly bill here.
Cell phone or beeper If you have a cell phone or beeper and pay a monthly bill on it, enter the amount here.
Entertainment Enter you average monthly expenditure on entertainment such as movies, videos, nightclubs, shows, music, Internet, video games, etc.
Medical If you spend money monthly for medicine, treatment or medical insurance, enter the amount here.
Other Enter here anything else you can think of that you typically pay on a monthly basis.
Hidden expenses Use the Hidden Expense Calculator to calculate your total hidden expenses, and enter the monthly number from that calculator here.
Click this button to calculate the total.
Total income This is your total income per month.
Total expenses This is the total amount of money you spend per month.
Loss or gain This number is total income minus total expenses, and indicates your loss or gain each month. A positive number indicates that you make more than you spend and therefore are able to save money each month. A negative number indicates that you spend more than you make and therefore are borrowing money each month.

If you find from this analysis that you spend more than you make, then it may be time to look at your lifestyle and make some corrections.

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Calculators courtesy of BYG Publishing, Inc.