Monthly Cash Flow & Safe Spending Calculator

The only tool that answers: "After bills, savings, and debt — what can I actually afford? And how long will my money last?"

Current Cash Balance ($)

Your checking/savings buffer

Monthly Take-Home Income ($)

After-tax income you receive

Fixed Bills

Rent / Mortgage ($)

Utilities & Internet ($)

Groceries & Food ($)

Transportation ($)

Insurance ($)

Phone & Subscriptions ($)

Other Bills ($)

Childcare, medical, pet care, etc.

Savings & Debt

Monthly Savings Goal ($)

Emergency fund, retirement, investing

Debt Payments ($)

Credit cards, student loans, car payments

Target Discretionary Spending ($)

Shopping, dining out, entertainment, etc.

Projection Period

Advanced: Irregular Income/Expenses

One-Time Bonus/Income ($)

Tax refund, bonus, gift — applied in month 1

Receive In Month

One-Time Large Expense ($)

Vacation, car repair, holiday shopping

Due In Month

Your Monthly Safe Spending

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what you can freely spend every month

Monthly Net Cash Flow

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Per Day Budget

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Bills % of Income

—

Savings Rate

—

Starting Balance

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Balance After 6 Months

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Balance After 12 Months

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Months Until Broke

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Monthly Running Balance

How to Use This Tool

The Safe Spending number is what's left after ALL obligations — bills, savings, and debt. This is your true discretionary income.

The Running Projection shows your cash balance month-by-month. If your balance trends downward, you're spending more than you earn. If it dips below zero, you need to cut expenses or increase income before it becomes a problem.

Aim for at least 10-15% of income as breathing room. A healthy cash flow means your balance grows every month, not shrinks.