Work out monthly cash flow statement instantly with clear inputs, formula shown and shareable results.
A cash flow statement is simply income less every outflow, split so that fixed costs, discretionary spending and debt are visible separately. The savings rate and debt service ratio are the two figures that determine financial flexibility.
Net cash flow
Net = income - fixed - variable - debt repayments
Figures are estimates for planning only. Prices, returns, inflation and personal circumstances all change. This is not financial or tax advice — speak to a qualified adviser before making decisions.
Under 36% of gross income including housing is the common lending guideline; under 20% leaves real flexibility.
Because only variable costs can be cut quickly. A high fixed share means little room to react to an income shock.