Cash Flow Calculator
Track your monthly income and expenses to see your net cash flow.
This tool runs entirely in your browser. Your files are never uploaded to a server.
Monthly income
Monthly expenses
Net annual cash flow simply multiplies the net monthly figure by 12; it does not account for seasonal income or expense changes, one-off costs, or raises during the year.
4500.00
Total monthly income
2100.00
Total monthly expenses
2400.00
Net monthly cash flow
28800.00
Net annual cash flow
What this calculator does
Sums a list of monthly income amounts, sums a list of monthly expense amounts, and reports the net monthly cash flow along with a projected net annual figure.
How to use it
Edit or add rows under Monthly income for every regular inflow, and under Monthly expenses for every regular outflow, naming each row and entering one amount per row in one consistent currency.
Worked example
With income of 4,000 salary and 500 side income, total income is 4,500. With expenses of 1,500 rent, 400 groceries and 200 utilities, total expenses are 2,100. Net monthly cash flow is 4,500 − 2,100 = 2,400, and projected net annual cash flow is 2,400 × 12 = 28,800. Automated tests verify this example.
Formula
Total income = sum of income rows. Total expenses = sum of expense rows. Net monthly = total income − total expenses. Net annual = net monthly × 12 — a simple projection, not a forecast that accounts for seasonal variation.
What counts as income or an expense
Include any regular monthly inflow (salary, freelance income, rental income, side income) and any regular monthly outflow (rent or mortgage, utilities, groceries, insurance, debt payments, subscriptions). Leave out one-off items that won't repeat every month.
Why the annual projection is a simple multiple
Multiplying the net monthly figure by 12 assumes every month looks like the one you entered. It does not account for irregular income, seasonal expenses, annual bills paid once a year, raises, or one-off costs — treat the annual figure as a rough extrapolation, not a budget forecast.
Scope, sources and privacy
This is an educational summary, not financial advice. The income/expense framing follows Consumer Financial Protection Bureau financial well-being guidance. Reviewed September 2026. Calculation runs locally in your browser; Quiklio does not upload the entered values.
Frequently Asked Questions
- Why does the annual figure simply multiply the monthly one by 12?
- It's a quick extrapolation that assumes every month matches the one you entered — it does not account for irregular income, seasonal expenses, once-a-year bills, or a mid-year raise, so treat it as a rough estimate rather than a budget forecast.
- What's the difference between cash flow and net worth?
- Cash flow measures money moving in and out each month, while net worth measures the total value of what you own minus what you owe at a single point in time — they're complementary views of your finances, and the Net Worth calculator covers the second one.
- Does this pull data from my bank account?
- No. Every row is a value you type in yourself; the calculator does not connect to any bank or accounting service, so accuracy depends entirely on how completely you list your income and expenses.