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Monthly Cash Flow Statement Calculator

Work out monthly cash flow statement instantly with clear inputs, formula shown and shareable results.

About Monthly Cash Flow Statement Calculator

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.

Formula

Net cash flow

Net = income - fixed - variable - debt repayments

Worked example

With the default values below, Monthly Cash Flow Statement Calculator returns Net Monthly Cash Flow of $19,000.00. Change any input above and every figure here is recalculated in your browser.

Inputs used

Total Monthly Incomeminimum 0
120,000
Fixed Expensesminimum 0
55,000
Variable Expensesminimum 0
28,000
Debt Repaymentsminimum 0
18,000

Results

Net Monthly Cash Flow
$19,000.00
Total Monthly Outflow
$101,000.00
Savings Rate
15.833%
Debt Service As Share Of Income
15.000%

Step by step

  1. 1Values used
  2. 2Net cash flow
  3. 3Net Monthly Cash Flow= 19,000.00
  4. 4Total Monthly Outflow= 101,000.00
  5. 5Savings Rate= 15.833
  6. 6Debt Service As Share Of Income= 15.000

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 3 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
  • 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.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

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.

Frequently Asked Questions

What debt service ratio is safe?

Under 36% of gross income including housing is the common lending guideline; under 20% leaves real flexibility.

Why separate fixed from variable costs?

Because only variable costs can be cut quickly. A high fixed share means little room to react to an income shock.

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