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Cash Flow Calculator
Turn recurring income and expense lines into monthly and yearly net flow, a balance table and a savings rate.
Monthly cash flow
Monthly income: —
Monthly expenses: —
Monthly net flow: —
Yearly net flow: —
Savings rate: —
How to use the Cash Flow Calculator
- Enter an amount, a frequency and a label for each income or expense line.
- Press Add income or Add expense until every recurring item is listed.
- Check the monthly and yearly net flow, the savings rate and the balance table.
Features
- Recurring income and expense lines
- Monthly and yearly net cash flow
- Twelve month running balance table
- Savings rate as a share of income
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Frequently Asked Questions
Common questions about the free online cash flow calculator.
Add each recurring income and expense with its frequency, and the calculator converts
everything to a monthly figure.
Net cash flow is all the money coming in minus all the money going out over the same period,
here shown per month and per year.
The savings rate is the monthly net flow divided by the monthly income, shown as a percentage
of everything you earn.
Yes. Quarterly amounts are divided by three and yearly amounts by twelve, so every line is
compared on a monthly basis.
It shows the net flow for each month and the running balance if that same net flow repeats
for twelve months.
The net flow and the savings rate become negative, which shows a monthly shortfall you may
need to close.
Up to twenty-four income and expense lines, which is plenty for a household or a small
business budget.
The savings rate needs income above zero because it is a share of income, so it stays blank
until you add an income line.
No. Every figure stays in your browser and nothing is uploaded, saved or shared with anyone.
Yes. It is free to use with no account, no limits and no tracking of the numbers you enter.
Last updated: October 10, 2026