Cash Flow
Organize income and expenses and project your balance for upcoming months.
What is cash flow
Cash flow is the record of all incoming (income, sales) and outgoing (expenses, bills, purchases) money over time. Unlike a static budget, it lets you project available balance at future dates, accounting for both one-time entries (a single purchase) and recurring ones (rent, subscriptions, salary).
This tracking is essential for both personal finances and small businesses, because it reveals liquidity problems before they happen — for example, spotting that recurring expenses will exceed expected income in a given month, allowing adjustments ahead of time instead of being surprised.
Frequently asked questions
What is the difference between cash flow and a budget?
A budget defines how much you plan to spend in each category. Cash flow records and projects the actual balance over time, factoring in when each entry happens — making it more useful for predicting whether you will have enough funds at a future date.
Why separate one-time entries from recurring ones?
Recurring entries have a cumulative effect on future projections, while one-time entries only affect the period they occur in. Separating them helps identify which fixed expenses weigh most on the balance over time.
Is my financial data saved on any server?
No. All calculations and data entered in this calculator are processed locally in your browser, without being sent to external servers.