Cash Flow Calculator



 
 

Cash Flow Calculator

Cash flow analysis can be difficult because income and expenses occur at irregular intervals making it hard to get a true statement of net cash flow.

This calculator works for both business and personal finances to project your monthly and annual net cash flows. It converts all the irregular payments into monthly equivalents so you can budget and know your free cash flow position with confidence.

Simply complete each of the six sections and the calculator will automatically forecast the cash flow analysis. To figure a budget you can just go back and edit your entries until your projections look acceptable then click on the "Create Report" button at the bottom of the worksheet for a printable report.

Cash Inflows
Example Accounts Inflow
Description
# of Pmts
Per Year
Amt of
Each Pmt
Monthly
Amount
Your Primary Job
Spouse's Primary Job
Your Second Job
Spouse's Second Job
Your Business Revenues
Spouse's Business Revenues
Interest & Dividend Income
Rental Income
Cash Gifts
Gambling Winnings
Rummage Sale Receipts
Tax Refund
Instructions
Inflows
Administrative
Personnel
Transportation
Residential
Entertainment
Totals
Total Monthly Inflow:
Administrative Outflows Balance Forward:
Example Accounts Outflow
Description
# of Pmts
Per Year
Amt of
Each Pmt
Monthly
Amount
Savings Deposits
Investment Deposits
Office Supplies
Postage
Basic Phone
Tax Preparation
Computer Supplies
Legal Expenses
Misc. Payments
Brokerage Fees
Income Tax Payments
Health Insurance
Life Insurance
Charitable Gifts
Tools
Reference Materials
Classified Ads
Instructions
Inflows
Administrative
Personnel
Transportation
Residential
Entertainment
Totals
Total Monthly Adminsitrative Outflow:
Personnel Outflows Balance Forward
Example Accounts Outflow
Description
# of Pmts
Per Year
Amt of
Each Pmt
Monthly
Amount
Groceries
Vegetable Gardening
School Lunches
Toiletries & Grooming
Hair & Make-up
Medical, Dental, & Optical
Medication & Prescriptions
Clothing & Laundry
Dry Cleaning
Education
Daycare
Child Support
Health Club Memberships
Therapy
Instructions
Inflows
Administrative
Personnel
Transportation
Residential
Entertainment
Totals
Total Monthly Personnel Outflow:
Transportation Outflows Balance Forward
Example Accounts Outflow
Description
# of Pmts
Per Year
Amt of
Each Pmt
Monthly
Amount
Gasoline
Car Repairs & Maintenance
Car Insurance
Car Payments
Lease Payments
Fares and tolls
Parking
Licenses & Permits
Fines & Tickets
Instructions
Inflows
Administrative
Personnel
Transportation
Residential
Entertainment
Totals
Total Monthly Transportation Outflow:
Residential Outflows Balance Forward
Example Accounts Outflow
Description
# of Pmts
Per Year
Amt of
Each Pmt
Monthly
Amount
Grounds Maintenance
Building Repairs & Maint.
Cleaning Supplies
Furniture & Fixtures
Appliances
Pest Control
Interior Decorating
Rent or Lease Payments
Mortgage Payments
Property Taxes
Propane, Fuel Oil, & Wood
Electricty
Property Insurance
Snow Removal
Alarm Systems
Instructions
Inflows
Administrative
Personnel
Transportation
Residential
Entertainment
Totals
Total Monthly Residential Outflow:
Entertainment Outflows Balance Forward
Example Accounts Outflow
Description
# of Pmts
Per Year
Amt of
Each Pmt
Monthly
Amount
Movies & Theatrical
Long Distance Calls
Vidio & Movie Rental
Cable & Satelite
Sporting Events & Activities
Hobbies & Crafts
Games, Arcade, and Amusement
Parties & Entertaining
Gifts
Dining Out
Nightclubs
Gambling
Pets & Pet Supplies
Music
Vacation Propery Payments
Vacation & Travel
Instructions
Inflows
Administrative
Personnel
Transportation
Residential
Entertainment
Totals
Total Monthly Entertainment Outflow:
Summary of Cash Flows
Links Category Outflows Inflows
Instructions
Inflows
Administrative
Personnel
Transportation
Residential
Entertainment
Totals
Monthly Inflow
Monthly Administrative Outflow
Monthly Personnel Outflow
Monthly Transportation Outflow
Monthly Residential Outflow
Monthly Entertainment Outflow
Total Monthly Outflows
Net Cash Flow

Managing Personal Cash Flow

Cash is very important in running a business or household. Without cash it is impossible to operate. A cash flow analysis is a financial report of all the cash that in coming in (inflows) and the cash that are going out (outflows) of a business or household operation. Cash flow can be used as an indication of a company’s financial strength. On the personal side, a cash flow shows your income and expenses and determines whether you are “living within your means” or having to borrow money each month. You will know if you are living within your means if after adding all your cash inflow and subtracting the total cash outflow from the total inflow, you will get a positive figure. To help you with this exercise, use the cash flow calculator above. If you find from this analysis that you spend more than you make, then it may be time to look at your lifestyle and make some corrections.

Cash Flow Problems

Cash flow is vital to a person’s survival. Without strong, positive cash flow an entity will never sustain and grow. Having enough cash on hand will ensure that creditors, household expenses and others can be paid on time. A person is considered broke if he does not have enough cash to support his day-to-day living expenses. A negative cash flow is indicative of a cash flow problem. Excessive debt, non-payment or late payment of bills and using the credit card for paying your day-to-day purchases are some indications that you have a cash flow problem.

Improving Cash Flow

If you are experiencing a negative cash flow, the best way to approach cash flow problem is by re-examining your spending habits and the way your monthly cash flow works. This doesn’t necessarily mean that you need to spend less or earn more. It just means that you need to correct on how you’re spending your monthly cash inflow. Most people who want to improve their cash flow can do so by just managing their cash flow differently.

Proper cash flow management means paying cash, instead of using credit cards, for everything such as home improvements, cars, furniture, vacations, children’s education and other living expenses. The best way to increasing cash flow around the house is to develop a vigilant attitude toward cutting costs, no matter how small. One of the biggest problems we see in financially distressed consumers is that people waste a lot of money on the little things.

Overall, the best way to increase your personal cash flow is to be conscious of how much money you spend and why. Start tracking, observing and controlling your cash outflow every month. Think about what you’re doing as a consumer, instead of simply reacting to impulses. You’ll see results immediately, as soon as you get serious about it.  And don’t forget to keep an emergency fund to ensure you do not disrupt your cash flow should an emergency arise.

Managing Cash Flow

Managing cash flow is not just about having positive net income. If you cannot live within your means, you will not be able to generate the surplus money needed each month to invest for your future financial goals. We need to make enough income so we can live comfortably while saving up for our retirement. And if you cannot do that, you will not be able to meet your aspirations in life. It’s a choice you have to make now.

Cash Flow Terms and Definitions

  • Cash, Beginning Balance – This is the cash you have on hand at the beginning of each month.
  • Cash Inflows – Cash inflows usually arise from one of three activities – financing, operations or investing This is the amount of cash generated during the month, which includes your own income, your spouse’ income, rent income, interest earned from savings, dividend incomes, donations, cash gifts, etc.
  • Cash Outflows – Cash outflows result is your expenses or investments every month. It includes all your fixed and variable expenses monthly.
  • Cash, Ending Balance – This is the amount that is left with you at the end of each month.
  • Net Cash Flow – This amount indicates your loss or gains each month. A positive number indicates that you make more than you spend and therefore are able to save money each month. A negative number indicates that you spend more than you make and therefore are borrowing money each month to support your expenses.

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