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.
Updated April 2026
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.
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.