Cash Flow Calculator
Since cash inflows and outflows vary in amounts and
intervals it can often get
quite confusing in trying to figure how much we can
afford to spend or save during
any given month. Just because you have left over cash
this month doesn't mean
it's actually available for spending.
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This calculator was designed to convert all inflows and
outflows into their monthly equivalents making it
easier to see how much you can really afford to spend
during any given month. And because your
household is just as much a business as any traditional
business, the various sections of the calculator have
been set up in the same way most businesses would set up
their cash flow worksheet.
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Starting at the top and working your way down, complete
and calculate the cash flows for each of the six
sections. Once you've computed the entire worksheet,
including the Cash Flow Summary, you can then go
back and edit your entries. Once you're comfortable with
your Cash Flow Forecast you can then click on
the "Create Report" button at the bottom of the
worksheet. This will create a condensed report in a new
window that you can print out and refer to when creating
your spending plan.
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Cash Inflows |
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Example Accounts |
Inflow
Description |
# of Pmts
Per Year |
Amt of
Each Pmt |
Monthly
Amount |
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Your Primary Job
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Spouse's Primary Job |
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Your Second Job |
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Spouse's Second Job |
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Your Business Revenues |
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Spouse's Business Revenues |
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Interest & Dividend Income |
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Rental Income |
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Cash Gifts |
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Gambling Winnings |
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Rummage Sale Receipts |
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Tax Refund
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Instructions |
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Inflows |
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Administrative |
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Personnel |
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Transportation |
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Residential |
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Entertainment |
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Totals |
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Total Monthly Inflow: |
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Adminstrative Outflows |
Balance Forward: |
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Example Accounts |
Outflow
Description |
# of Pmts
Per Year |
Amt of
Each Pmt |
Monthly
Amount |
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Savings Deposits |
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Office Supplies |
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Postage |
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Basic Phone |
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Tax Preparation |
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Computer Supplies |
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Legal Expenses |
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Misc. Payments |
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Brokerage Fees |
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Income Tax Payments |
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Health Insurance |
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Life Insurance |
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Charitable Gifts |
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Tools |
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Reference Materials |
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| Classified
Ads |
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Investment Deposits |
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Instructions |
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Inflows |
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Administrative |
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Personnel |
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Transportation |
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Residential |
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Entertainment |
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Totals |
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Total Monthly Adminsitrative Outflow: |
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Personnel Outflows |
Balance Forward |
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Example Accounts |
Outflow
Description |
# of Pmts
Per Year |
Amt of
Each Pmt |
Monthly
Amount |
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Groceries |
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Vegetable Gardening |
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School Lunches |
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Toiletries & Grooming |
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Hair & Make-up |
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Medical, Dental, & Optical |
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Medication & Prescriptions |
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Clothing & Laundry |
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Dry Cleaning |
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Education |
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Daycare |
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Child Support |
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Health Club Memberships |
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Therapy |
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Instructions |
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Inflows |
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Administrative |
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Personnel |
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Transportation |
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Residential |
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Entertainment |
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Totals |
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Total Monthly Personnel Outflow: |
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Transportation Outflows |
Balance Forward |
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Example Accounts |
Outflow
Description |
# of Pmts
Per Year |
Amt of
Each Pmt |
Monthly
Amount |
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Gasoline |
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Car Repairs & Maintenance |
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Car Insurance |
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Car Payments |
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Lease Payments |
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Fares and tolls |
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Parking |
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Licenses & Permits |
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Fines & Tickets |
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Instructions |
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Inflows |
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Administrative |
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Personnel |
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Transportation |
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Residential |
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Entertainment |
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Totals |
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Total Monthly Transportation Outflow: |
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Residential Outflows |
Balance Forward |
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Example Accounts |
Outflow
Description |
# of Pmts
Per Year |
Amt of
Each Pmt |
Monthly
Amount |
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Grounds Maintenance |
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Building Repairs & Maint. |
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Cleaning Supplies |
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Furniture & Fixtures |
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Appliances |
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Pest Control |
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Interior Decorating |
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Rent or Lease Payments |
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Mortgage Payments |
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Property Taxes |
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Propane, Fuel Oil, & Wood |
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Electricty |
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Property Insurance |
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Snow Removal |
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Alarm Systems |
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Instructions |
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Inflows |
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Administrative |
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Personnel |
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Transportation |
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Residential |
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Entertainment |
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Totals |
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Total Monthly Residential Outflow: |
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Entertainment Outflows |
Balance Forward |
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Example Accounts |
Outflow
Description |
# of Pmts
Per Year |
Amt of
Each Pmt |
Monthly
Amount |
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Movies & Theatrical |
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Long Distance Calls |
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Vidio & Movie Rental |
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Cable & Satelite |
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Sporting Events & Activities |
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Hobbies & Crafts |
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Games, Arcade, and Amusement |
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Parties & Entertaining |
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Gifts |
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Dining Out |
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Nightclubs |
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Gambling |
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Pets & Pet Supplies |
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Music |
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Vacation Propery Payments |
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Vacation & Travel |
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Instructions |
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Inflows |
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Administrative |
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Personnel |
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Transportation |
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Residential |
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Entertainment |
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Totals |
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Total Monthly Entertainment Outflow: |
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Summary of Inflow and Outflows |
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Links
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Category
|
Outflows
|
Inflows
|
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Inflows |
Monthly Inflow |
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Administrative |
Monthly Administrative Outflow |
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Personnel |
Monthly Personnel Outflow |
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Transportation |
Monthly Transportation Outflow |
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Residential |
Monthly Residential Outflow |
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Totals |
Monthly Totals Outflow |
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Instructions |
Monthly Instructions Outflow |
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Entertainment |
Monthly Entertainment Outflow |
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Total Monthly Outflows |
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Net Cash Flow |
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