Cash Flow Calculator
Track and analyze cash inflows and outflows by category. Calculate net cash flow, running balance, and view timeline for better financial planning.
Your initial account balance
Add Cash Flow Entry
Category Tracking
Organize cash flows by category to understand spending patterns and income sources.
Timeline View
See your cash flow over time with running balance to track financial health.
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All calculations happen in your browser. Your financial data never leaves your device.
How It Works
Cash Flow Formula
Net Cash Flow = Total Inflows - Total Outflows
Final Balance = Starting Balance + Net Cash Flow
Example Scenario
Monthly cash flow example:
- • Starting Balance: $5,000
- • Salary (Inflow): +$4,000
- • Freelance Income (Inflow): +$1,000
- • Rent (Outflow): -$1,500
- • Food & Utilities (Outflow): -$800
- • Net Cash Flow: +$2,700
- • Final Balance: $7,700
Using the Calculator
- Enter your starting balance (current account balance)
- Add cash flow entries with dates, descriptions, and amounts
- Categorize each entry as inflow (income) or outflow (expense)
- Assign a category to track spending and income patterns
- Click Calculate to see your net cash flow and running balance
- View the timeline to see how your balance changes over time
- Export to CSV for further analysis or record keeping
Frequently Asked Questions
What is cash flow?
Cash flow is the movement of money into and out of your accounts. Inflows are money coming in (income), and outflows are money going out (expenses). Net cash flow is the difference between inflows and outflows.
Why should I track my cash flow?
Tracking cash flow helps you understand your financial health, identify spending patterns, plan for future expenses, and ensure you have enough money to cover your obligations. It's essential for both personal finance and business management.
What's the difference between cash flow and budget?
A budget is a plan for how you intend to spend money, while cash flow tracks actual money movements. Cash flow shows when money comes in and goes out, helping you manage timing and liquidity.
How do I improve my cash flow?
To improve cash flow: increase income through raises or side hustles, reduce expenses by cutting unnecessary costs, delay major purchases when cash is tight, and build an emergency fund to handle unexpected expenses.
What are cash flow categories?
Categories help organize your cash flows by type. Common inflow categories include salary, business income, and investments. Common outflow categories include rent, utilities, food, transportation, and entertainment.
Is my data private?
Yes, absolutely! All calculations happen entirely in your browser. Your financial information is never sent to any server, ensuring complete privacy and security.