Cash Flow Calculator
Track personal or business cash flow from multiple income sources and expense categories.
Income Sources
Expenses
Monthly Income
$5,000.00
Monthly Expenses
$2,350.00
Net Cash Flow
$2,650.00
Cash Flow Breakdown
| Salary | $5,000.00/mo |
| Total Monthly Income | $5,000.00 |
| Rent / Mortgage | $1,500.00/mo |
| Utilities | $200.00/mo |
| Groceries | $650.00/mo |
| Total Monthly Expenses | $2,350.00 |
| Net Monthly Cash Flow | $2,650.00 |
| Annual Projection | $31,800.00 |
Use the Cash Flow Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
How It Works
Our Cash Flow Calculator helps you meticulously track the movement of money into and out of your personal finances or business operations. Understanding your cash flow is crucial for financial health, enabling you to anticipate shortages, plan for growth, and make informed decisions. For instance, projections for 2026 indicate continued volatility in interest rates, making proactive cash flow management more vital than ever to navigate potential economic shifts.
This calculator employs a straightforward, accrual-based methodology: Total Cash Inflows - Total Cash Outflows = Net Cash Flow. We sum all your specified income sources (e.g., salary, sales revenue, investment dividends) and subtract all your categorized expenses (e.g., rent, payroll, supplies, loan payments) over a defined period. The resulting Net Cash Flow indicates whether you have a surplus (positive) or deficit (negative) for that period.
A common mistake is conflating profit with cash flow; a profitable business can still face cash flow problems if payments are delayed or inventory sits too long. Always consider the timing of cash receipts and disbursements, not just when an invoice is issued or received. Don't forget to account for irregular or one-time expenses and income, as these can significantly impact your cash position.
Example: 2026 Small Business Cash Flow Analysis
- 1 Input Monthly Income Sources: Product Sales: $15,000; Service Fees: $8,000; Investment Income: $200. Input Monthly Expense Categories: Rent: $3,500; Employee Salaries: $9,000; Utilities: $800; Marketing: $1,200; Loan Payments: $1,500; Supplies: $1,000.
- 2 Calculate Total Monthly Income: $15,000 + $8,000 + $200 = $23,200. Calculate Total Monthly Expenses: $3,500 + $9,000 + $800 + $1,200 + $1,500 + $1,000 = $17,000. Determine Net Cash Flow: $23,200 - $17,000 = $6,200.
- 3 The net cash flow for this small business in a given month of 2026 is a positive $6,200.
- 4 This positive cash flow indicates the business has more money coming in than going out, allowing for reinvestment, debt reduction, or building cash reserves. However, consistent monitoring is key, as market shifts or unexpected expenses could quickly alter this position, especially with projected inflation rates potentially impacting supply costs throughout 2026.
Source: SBA — Business Guide · Last updated: April 2026
Frequently Asked Questions
What is the difference between cash flow and profit?
How do I improve cash flow?
What is free cash flow?
You might also need
Self-Employment Tax Calculator 2026 — SE Tax & Quarterly Payments
Calculate SE tax, quarterly estimated payments, and total tax burden for freelancers and 1099 contractors. Free, instant results based on 2026 IRS rates.
LLC vs S-Corp Tax Comparison Calculator
Compare tax liability as an LLC vs S-Corp. See how much you can save on self-employment tax with an S-Corp election.
W-2 vs 1099 Comparison Calculator
Compare take-home pay as a W-2 employee vs 1099 contractor. Find the equivalent 1099 rate to match your W-2 salary.