Since cash inflows and outflows vary in amounts and intervals it can often get quite confusing in trying to figure how much we can afford to spend or save during any given month. Just because you have left over cash this month doesn't mean it's actually available for spending.

This calculator was designed to convert all inflows and outflows into their monthly equivalents making it easier to see how much you can really afford to spend during any given month. And because your household is just as much a business as any traditional business, I've set up the various sections in the same way most businesses would set up their cash flow worksheet.

General Instructions

Starting at the top and working your way down, complete and calculate the cash flows for each of the six sections. Be sure to click on each section's "Compute..." button before going on to the next section. Once you've computed the entire worksheet, including the Cash Flow Summary, you can then go back and edit your entries. Just be sure to recompute each section after editing. Once you're comfortable with your Cash Flow Forecast you can then click on the "Create Report" button at the bottom of the worksheet. This will create a condensed report in a new window that you print out and refer to when creating your spending plan (you may have to press CTRL-P in order to print the report).

Example Accounts: A listing of the types of cash flow items recommended for the current section.