What is my projected cash flow?

Businesses generate a sources and uses of cash statement to evaluate their income and expenses and to check profitability. They also create a proforma which is a projection of future cash flows based on assumptions about growth/decline of income and expenses. Similarly, a projected cash flow statement can help you evaluate your personal income and expenses and see if you potentially may run 'in the red or the black' at a future date.

Assumptions

Monthly or annual figures? ?

Monthly Annual

Choose whether every amount below is entered and shown as a monthly or an annual figure.

Number of years to project growth ?

How far into the future to grow each income and expense line before comparing today to that future point.

Itemized Income

Item	Amount	Annual Growth
Wages, salary and tips	$	%
Alimony, child support (received)	$	%
Dividends from stocks, etc.	$	%
Interest on savings accounts, CDs, etc.	$	%
Social security benefits	$	%
Pensions	$	%
Other income	$	%

Itemized Expenses

Item	Amount	Annual Growth
Mortgage payment or rent	$	%
Vacation home (mortgage)	$	%
Automobile loan(s)	$	%
Personal loan(s)	$	%
Charge accounts	$	%
Federal income taxes	$	%
State income taxes	$	%
FICA (social security taxes)	$	%
Real estate taxes	$	%
Other taxes	$	%
Utilities	$	%
Household repairs and maintenance	$	%
Food	$	%
Clothing and laundry	$	%
Educational expenses	$	%
Child care	$	%
Automobile expenses (gas, repairs, etc.)	$	%
Other transportation expenses	$	%
Life insurance premiums	$	%
Homeowners (renters) insurance	$	%
Automobile insurance	$	%
Medical, dental and disability insurance	$	%
Entertainment and dining	$	%
Recreation and travel	$	%
Club dues	$	%
Hobbies	$	%
Gifts	$	%
Major home improvements and furnishings	$	%
Professional services	$	%
Charitable contributions	$	%
Other and miscellaneous expenses	$	%

Enter your values and select Calculate.

The net cash flow figure is what's left after subtracting your projected expenses from your projected income at the end of the period you chose. It reflects only the items you itemized — if you left something out, or entered it at zero, it isn't in the total. There's no single 'good' number here; a positive and growing figure generally means more room to save or absorb a surprise, while a shrinking or negative one is worth a closer look at which lines are driving it.

Two things move this result the most: the size of your largest income and expense entries (commonly wages, housing, and taxes), and the growth rates you assigned to them. A modest-looking growth rate compounded over several years can shift the projected totals more than it first appears, so it's worth revisiting the growth rate on your biggest line items if the projected numbers look at odds with your own expectations.

This projection is a straight-line extension of the numbers and growth rates you supplied — it doesn't know about a future raise, a paid-off loan, a change in tax law, or a year with an unusually large one-time expense. It also doesn't account for inflation separately from whatever growth rate you entered for each item, so if you want a real (inflation-adjusted) picture, you'll need to build that into the rates yourself.

It's worth rerunning this after a raise, a move, a change in your mortgage or rent, or simply once a year as part of a regular check-in. Treat the projected figure as a planning input rather than a forecast, and bring it to a tax or financial professional if you're using it to make a larger decision. Having even a rough number like this puts you ahead of not looking at all, and small adjustments to spending or growth assumptions now tend to add up over the years you're projecting.

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.