Cash Flow Calculator

See exactly what flows in versus out each month — for personal finances, small business, or rental property.

Monthly Income

Monthly Expenses

Results

$6,000
Total Income
$4,150
Total Expenses
$1,850
Net Cash Flow
30.8%
Cash Flow Margin
Cash Flow Margin30.8%

What is cash flow?

Cash flow is the difference between money coming in and money going out. Positive means you're saving each month. Negative means you're drawing down — a signal to adjust your budget or income.

Cash Flow = Total Income − Total Expenses
Cash Flow Margin = (Cash Flow ÷ Total Income) × 100

For personal finance, 20%+ cash flow margin is a solid target. For rental property, 30–40% is the range where the investment typically pencils out.

FIRE Progress Tracker → Compound Interest →

For educational purposes only. Not financial or business advice.