The Cash Flow calculator computes the difference between one's income and one's expenses.
INSTRUCTIONS: Choose your preferred currency (e.g. Brazilian Real) and enter the following:
- (i) Income
- (e) Expenses
Cash Flow (CF): The calculator returns the cash flow in U.S. dollars. This can be automatically converted to other currency units (e.g. Indian Rupee) via the pull-down menu.
The Math / Science
The Cash Flow formula calculates the difference between one's total income from all sources and total expenses. Note, the period for both factors must be the same (e.g. monthly wages and monthly bills). The Cash Flow formula constitutes the basic premise of liquidity over a period of time. Insolvency occurs when a cumulative negative cash flow eliminates cash reserves. When cash flow is negative, you need to either increase income to meet expenses, or decrease expenses to meet income.
Personal Finance Calculators
- Monthly Loan Payment: Computes the monthly payment of a fixed interest rate loan (e.g., home mortgage or car loan).
- Credit Card Equation: Computes the number of months to pay off a credit card.
- Mortgage Affordability: Compute the amount of principal one can borrow based on monthly payment, duration and interest rate.
- Leverage Ratio: Calculates a ratio describing debt to income.
- Compound Interest: Computes the compounded interest on a fixed interest rate investment
- CAGR: Computes the compounded annual growth rate achieved on an investment.
- Rule of 72: Provides a quick estimate on time to double an investment
- Simple Interest Earned: Computes a rough estimate on interest earned over time.
- Wage Calculator: Computes the annual, monthly and weekly pay amounts base on hourly wage and hours per week.
- Current Mortgage Rates:
- 30 Year Fixed Interest Rate: 7.04 %
- 15 Year Fixed Interest Rate: 6.41 %
- 7/6 SOFR ARM: 7.05 %
Financial Calculators
Also consider the following finance and accounting equations and calculators:
- Net Cash flow from Operation
- Current Ratio or Liquidity Ratio
- Capital Recovery Factor
- Annual Percentage Yield
- Simple interest Earned
- Debt to Equity Ratio
- Compound interest Future Value
- Personal Finace
- Microeconomics Calculator
- Annualized Amortization
- Credit Card Equation
- Leverage Ratio
- Cash Flow
- Compound Interest
- CAGR
- Present Value
- Future Value
- Rule of 72
- Simple Interest Earned