Cash Flow Calculator

Since cash inflows and outflows vary in amounts and intervals it can often get quite confusing in trying to figure how much we can afford to spend or save during any given month. Just because you have left over cash this month doesn’t mean it’s actually available for spending.

This calculator was designed to convert all inflows and outflows into their monthly equivalents making it easier to see how much you can really afford to spend during any given month. And because your household is just as much a business as any traditional business, the various sections of the calculator have been set up in the same way most businesses would set up their cash flow worksheet.

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.

Cash Inflows

Example Accounts
Inflow
Description
# of Pmts
Per Year
Amt of
Each Pmt
Monthly
Amount

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


Instructions

Inflows

Administrative

Personnel

Transportation

Residential

Entertainment

Totals



Total Monthly Inflow:

Adminstrative Outflows
Balance Forward:
Example Accounts Outflow
Description
# of Pmts
Per Year
Amt of
Each Pmt
Monthly
Amount

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


Instructions

Inflows

Administrative

Personnel

Transportation

Residential

Entertainment

Totals


Total Monthly Adminsitrative Outflow:

Personnel Outflows
Balance Forward
Example Accounts Outflow
Description
# of Pmts
Per Year
Amt of
Each Pmt
Monthly
Amount

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


Instructions

Inflows

Administrative

Personnel

Transportation

Residential

Entertainment

Totals


Total Monthly Personnel Outflow:

Transportation Outflows
Balance Forward
Example Accounts Outflow
Description
# of Pmts
Per Year
Amt of
Each Pmt
Monthly
Amount

Gasoline

Car Repairs & Maintenance

Car Insurance

Car Payments

Lease Payments

Fares and tolls

Parking

Licenses & Permits

Fines & Tickets


Instructions

Inflows

Administrative

Personnel

Transportation

Residential

Entertainment

Totals


Total Monthly Transportation Outflow:

Residential Outflows
Balance Forward
Example Accounts Outflow
Description
# of Pmts
Per Year
Amt of
Each Pmt
Monthly
Amount

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

Electricty

Property Insurance

Snow Removal

Alarm Systems


Instructions

Inflows

Administrative

Personnel

Transportation

Residential

Entertainment

Totals



Total Monthly Residential Outflow:

Entertainment Outflows
Balance Forward
Example Accounts Outflow
Description
# of Pmts
Per Year
Amt of
Each Pmt
Monthly
Amount

Movies & Theatrical

Long Distance Calls

Vidio & Movie Rental

Cable & Satelite

Sporting Events & Activities

Hobbies & Crafts

Games, Arcade, and Amusement

Parties & Entertaining

Gifts

Dining Out

Nightclubs

Gambling

Pets & Pet Supplies

Music

Vacation Propery Payments

Vacation & Travel


Instructions

Inflows

Administrative

Personnel

Transportation

Residential

Entertainment

Totals


Total Monthly Entertainment Outflow:

Summary of Inflow and Outflows
Links Category Outflows Inflows

Instructions

Inflows

Administrative

Personnel

Transportation

Residential

Entertainment

Totals


Monthly Inflow

Monthly Administrative Outflow

Monthly Personnel Outflow

Monthly Transportation Outflow

Monthly Residential Outflow

Monthly Entertainment Outflow


Total Monthly Outflows
Net Cash Flow