Calculator
Cash Flow Calculator
Cash flow is the difference between the money coming in and the money going out each month. Positive cash flow means you finish the month with more than you started — the foundation of every financial goal. Negative cash flow means you are drawing down savings or adding to debt to cover the gap. This calculator compares your total monthly inflows against your total outflows, shows the net result, and expresses your spending as a share of your income. It is a fast monthly health check that tells you, in one number, whether your finances are moving forward or backward.
Salary, rent received, freelance income, interest — everything that comes in.
All spending and outgoing payments — expenses, EMIs, bills, transfers out.
Inflows vs outflows
- Outflows₹70,00078%
- Net surplus₹20,00022%
Net cash flow is a snapshot, not a verdict — one negative month from a big annual bill is normal. What matters is the trend over several months. A consistently positive flow with an outflow ratio comfortably below 100% gives you room to save and invest; a ratio near or above 100% signals you are living on the edge.
What your result means
- Positive cash flow is not the same as profit — you can be profitable on paper yet cash-starved if money is locked in receivables or stock.
- Watch the trend across months, not a single reading; a falling closing balance is your early warning to arrange credit.
- Aim to keep the outflow ratio comfortably under 100% and hold a buffer of a few months’ fixed costs.
How to use this calculator
- Add up everything that comes in this month — salary, rent received, freelance income, interest — and enter the total inflows.
- Add up everything going out — living expenses, EMIs, bills, SIPs and transfers — and enter the total outflows.
- Read your net cash flow; a positive number is a surplus, a negative one is a deficit.
- Check the outflow ratio — the lower it is below 100%, the more breathing room you have.
- If the status shows negative, find the largest outflows you can trim, or move one-off annual bills into a separate sinking fund.
The formula
Net cash flow = Total inflows − Total outflows. Outflow ratio = (Total outflows ÷ Total inflows) × 100. A net figure of zero or above is positive (a surplus); below zero is negative (a deficit funded by savings or debt).
Worked example
With ₹90,000 of monthly inflows and ₹70,000 of outflows: net cash flow = ₹90,000 − ₹70,000 = +₹20,000, a positive surplus. Outflow ratio = (₹70,000 ÷ ₹90,000) × 100 ≈ 77.8%, meaning you spend about 78 paise of every rupee you earn and keep the rest. If outflows rose to ₹95,000, net cash flow would flip to −₹5,000 and the ratio would cross 100% — a clear sign you are spending more than you bring in.
When to use it
- Running a quick monthly check on whether you ended the month ahead or behind.
- Spotting the impact of a new EMI or rent hike on your monthly surplus.
- Tracking cash flow across several months to see if your finances are trending up or down.
- Managing irregular freelance or business income by comparing inflows and outflows month to month.