Monthly Cash Flow
Compare income to fixed and variable costs each month.
About Monthly Cash Flow
Subtracting fixed, variable and intended savings from income gives the amount left over or the shortfall for the month. A positive monthly flow is the engine of saving and investing, so tracking it monthly catches budget leaks early.
Formula
Monthly Cash Flow
Net flow = income - fixed - variable - savings; savings rate = savings / income
- fixed expenses
- Recurring bills like rent, utilities and insurance
Worked example
With the default values below, Monthly Cash Flow returns Net Cash Flow of $300. Change any input above and every figure here is recalculated in your browser.
Inputs used
- Monthly incomeminimum 0
- 5,000
- Fixed expensesminimum 0
- 3,000
- Variable expensesminimum 0
- 1,200
- Savings goalminimum 0
- 500
Results
- Total Expenses
- $4,200
- Net Cash Flow
- $300
- Savings Rate
- 10.0%
Step by step
- 1Values used
- 2Monthly Cash Flow
- 3Net Cash Flow= 300
- 4Total Expenses= 4,200
- 5Savings Rate= 10.0
Assumptions and limits
- The result is derived only from the 4 inputs listed above. Anything not among them is not part of the calculation.
- In particular, this calculator does not take inflation, tax or compounding frequency into account.
- Figures are rounded for display to 1 decimal place, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
- This is an estimate for general information and not professional financial, tax or legal advice. See the full disclaimer for the limits that apply to this kind of calculator.
How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.
Frequently Asked Questions
How is Monthly Cash Flow calculated?
Net flow = income - fixed - variable - savings; savings rate = savings / income Subtracting fixed, variable and intended savings from income gives the amount left over or the shortfall for the month.
Why does Monthly Cash Flow matter?
A positive monthly flow is the engine of saving and investing, so tracking it monthly catches budget leaks early.
What values do I need to enter?
This calculator takes 4 inputs: Monthly income, Fixed expenses, Variable expenses, Savings goal. The pre-filled defaults are a realistic starting point — replace them with figures from your own environment for a result you can act on.