Monthly Cashflow Calculator

Track your income and expenses to understand your financial health and improve your savings rate.

How Cashflow is Calculated

This calculator analyzes your financial health:

Income: All money coming in (salary, side income, etc.)
Fixed expenses: Bills that stay the same each month (rent, insurance, subscriptions)
Variable expenses: Spending that changes (food, entertainment, shopping)
Net cashflow: Income - Total Expenses = money left over (or shortfall)

A positive cashflow is essential for building wealth. Aim for a 20%+ savings rate.

What is cashflow?: Cashflow is the difference between money coming in (income) and money going out (expenses). Positive cashflow means you have money left over to save or invest. Negative cashflow means you're spending more than you earn, which leads to debt.
What is a good savings rate?: Financial experts recommend saving at least 20% of your income (the 50/30/20 rule). However, any positive savings rate is a good start. To build wealth faster, aim for 30-50% if possible. The key is consistency over time.
What is the 50/30/20 rule?: The 50/30/20 rule is a budgeting guideline: 50% of income for needs (housing, utilities, food, transportation), 30% for wants (entertainment, dining out, shopping), and 20% for savings and debt repayment. It's a simple framework for balanced spending.