What is my current cash flow?

Businesses generate a sources and uses of cash statement to evaluate their income and expenses and to check profitability. Similarly, a cash flow statement can help you evaluate your personal income and expenses and see if you are running "in the red" or "in the black" each month.

Assumptions

Monthly or annual figures? ?

Monthly Annual

Choose whether the amounts you enter below are monthly or annual, and totals will be shown the same way.

Itemized Income

Wages, salary and tips

$

Social security benefits

$

Pensions

$

Other income ?

$

Any other recurring income not captured above.

Advanced options 3

Interest on savings accounts, CDs, etc. ?

$

Interest earned on bank accounts, CDs, bonds, and similar holdings.

Dividends from stocks, etc. ?

$

Dividend income from stocks, mutual funds, or other investments.

Alimony, child support (received)

$

Itemized Expenses

Mortgage payment or rent

$

Automobile loan(s)

$

Charge accounts ?

$

Minimum or typical monthly payments on credit cards and charge accounts.

Federal income taxes

$

State income taxes

$

FICA (social security taxes) ?

$

Social security and Medicare taxes withheld from your paycheck.

Utilities

$

Food

$

Automobile expenses (gas, repairs, etc.)

$

Homeowners (renters) insurance

$

Automobile insurance

$

Medical, dental and disability insurance

$

Advanced options 19

Charitable/Church donations

$

Vacation home (mortgage)

$

Personal loan(s)

$

Real estate taxes

$

Other taxes ?

$

Any other recurring tax obligations not listed above.

Household repairs and maintenance

$

Clothing and laundry

$

Educational expenses

$

Child care

$

Other transportation expenses

$

Life insurance premiums

$

Entertainment and dining

$

Recreation and travel

$

Club dues

$

Hobbies

$

Gifts

$

Major home improvements and furnishings ?

$

Large, often irregular purchases like renovations or furniture.

Professional services ?

$

Legal, accounting, or other professional service fees.

Other and miscellaneous expenses

$

Enter your values and select Calculate.

The number to look at first is net cash flow — total income minus total expenses for the period you chose. A positive number means money is left over after everything you itemized; a negative one means spending is outpacing income. There is no universal target here: what counts as healthy depends on your goals, your debt, and how much of that leftover amount you actually save versus spend.

A handful of entries tend to move this figure the most: wages or salary on the income side, and mortgage or rent, taxes, and auto-related costs on the expense side. If the result surprises you, those are the first fields worth double-checking or adjusting, rather than the smaller discretionary lines like gifts or hobbies.

This figure is only as complete as what you entered. It does not account for irregular or annual expenses you might have left out (insurance premiums paid once a year, a car repair that only comes up occasionally), nor does it adjust for inflation or future changes in income or rates. Treat it as a snapshot of today's numbers, not a forecast.

It is worth revisiting this whenever something material changes — a raise, a new loan payment, a move, or a shift in tax withholding — and at least once a year even if nothing obvious has changed. Having an honest number here, even a rough one, puts you ahead of most people who never total it up at all, and small adjustments to spending or savings now tend to compound over time.

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.