Money & Finance · Free tool
Cash Flow Calculator
Add income and expense lines and see monthly, quarterly, and annual cash flow at a glance. Spot negative months early.
Monthly income
Monthly expenses
Total income
$5,500.00
Total expenses
$2,630.00
Net cash flow / month
$2,870.00
Savings rate
52.2%
12-month projection
M1
$2,870.00
M2
$5,740.00
M3
$8,610.00
M4
$11,480.00
M5
$14,350.00
M6
$17,220.00
M7
$20,090.00
M8
$22,960.00
M9
$25,830.00
M10
$28,700.00
M11
$31,570.00
M12
$34,440.00
Year-end net: $34,440.00
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What it does
Add income and expense lines and see cash flow monthly, quarterly, and annually. A negative line or month turns red so you can spot shortfalls early. Works for personal finance, freelance months, or a small side business.
Pair with startup runway calculator, budget calculator, and profit margin calculator.
Embed this tool on your siteShow snippetHide
Paste this snippet into any page. Loads on-demand (lazy), no tracking scripts, and sized to most dashboards. Replace the height to fit your layout.
<iframe src="https://freetoolarena.com/embed/cash-flow-calculator" width="100%" height="720" frameborder="0" loading="lazy" title="Cash Flow Calculator" style="border:1px solid #e2e8f0;border-radius:12px;max-width:720px;"></iframe>How to use it
- Add each income line with its monthly amount.
- Add each expense line the same way.
- Read monthly, quarterly, and annual totals.
- Trim expenses or boost income until cash flow is positive.
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Learn more
Guides about this topic
- Money & Business · GuideHow to forecast cash flowDistinguish cash flow from profit, use operating, investing, and financing categories, and apply a sales-forecast honesty discount. Free, no-signup guide.
- Money & Business · GuideHow to Save Money FastGenerate 15 real tactics to save money fast by automating cuts and raising income. Instant checklist, free and no sign-up required.
- Money & Business · GuideThe Best Side Hustles for BeginnersFilter honest side hustle ideas by immediate payout and long-term potential instantly. Identify real opportunities and skip the scams free online.
- Money & Business · GuideHow to Start Investing With $100Start investing with just $100: pick a broker, buy a low‑cost index fund, and automate your contributions. Free online guide with no sign‑up required.
- Money & Business · GuideHow to Make a Monthly BudgetBuild a budget in 20 minutes using zero-based rules. Create your monthly budget online for free instantly with no registration, tailored to your life.
- Money & Business · GuideHow to Pay Off Debt FastCompare snowball and avalanche debt payoff methods with real math—which saves dollars, which builds momentum. A free instant calculator, no sign-up needed online.
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