Compare income to fixed and variable costs each month.
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.
Monthly Cash Flow
Net flow = income - fixed - variable - savings; savings rate = savings / income
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.
A positive monthly flow is the engine of saving and investing, so tracking it monthly catches budget leaks early.
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.