Cash Flow Calculator

Analyze your financial health: Inflows vs. Outflows.

Cash In (Income)

Cash Out (Expenses)
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Enter your details to see Net Cash Flow.

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Total Inflow

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Total Outflow

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Inflow vs. Outflow

Why Cash Flow is King?

Cash Flow measures the movement of money in and out of your pocket (or business). It is different from "Profit" because cash flow is about liquidity—having money available when you need it.

[Image of cash flow diagram]
  • Positive Cash Flow: You are earning more than you are spending. You can save, invest, or pay off debts.
  • Negative Cash Flow: You are spending more than you earn. This leads to debt and financial stress.

The Formula

Net Cash Flow = Total Inflows - Total Outflows

How to Improve Cash Flow?

  1. Track Everything: Use this calculator to list every single expense. Small leaks sink big ships.
  2. Cut the "Nice-to-Haves": Identify outflows that aren't essential (subscriptions, dining out) and reduce them.
  3. Increase Inflows: Look for side hustles, passive income streams (like dividends), or negotiate a salary hike.