Work out monthly surplus or deficit after income, fixed costs, variable spending and debt.
The result is the signed sum of its components: positive items are added and deductions subtracted. Expressing it as a share of the positive components shows how much of the gross figure survives to the bottom line. Working the personal cash flow up from its components makes clear which line is moving it, which a single headline number hides.
Personal Cash Flow
Monthly Cash Flow = Net monthly income − Housing costs − Food, transport and utilities − Debt repayments − Discretionary spending − Automatic savings and investing
Monthly Cash Flow = Net monthly income − Housing costs − Food, transport and utilities − Debt repayments − Discretionary spending − Automatic savings and investing The result is the signed sum of its components: positive items are added and deductions subtracted. Expressing it as a share of the positive components shows how much of the gross figure survives to the bottom line.
Working the personal cash flow up from its components makes clear which line is moving it, which a single headline number hides.
This calculator takes 6 inputs: Net monthly income, Housing costs, Food, transport and utilities, Debt repayments, Discretionary spending, Automatic savings and investing. The pre-filled defaults are a realistic starting point — replace them with figures from your own environment for a result you can act on.