Red Rock Tax & Consulting

Cash Flow Calculator

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 leftover 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, the various sections of the calculator have been set up in the same way most businesses would set up their cash flow worksheet.

Starting at the top and working your way down, complete and calculate the cash flows for each of the six sections. Once you've computed the entire worksheet, including the Cash Flow Summary, you can then go back and edit your entries. 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 can print out and refer to when creating your spending plan.

Instructions Inflows Administrative Personnel Transportation Residential Entertainment Totals
  
Cash Inflows
Example Accounts Inflow Description # of Pmts Per Year Amt of Each Pmt Monthly Amount
Your Primary Job
Spouse's Primary Job
Your Second Job
Spouse's Second Job
Your Business Revenues
Spouse's Business Revenues
Interest & Dividend Income
Rental Income
Cash Gifts
Gambling Winnings
Rummage Sale Receipts
Tax Refund
Total Monthly Inflow: Balance Forward:
  
Adminstrative Outflows
Example Accounts Outflow Description # of Pmts Per Year Amt of Each Pmt Monthly Amount
Savings Deposits
Investment Deposits
Office Supplies
Postage
Basic Phone
Tax Preparation
Computer Supplies
Legal Expenses
Misc. Payments
Brokerage Fees
Income Tax Payments
Health Insurance
Life Insurance
Charitable Gifts
Tools
Reference Materials
Classified Ads
Total Monthly Adminsitrative Outflow: Balance Forward
  
Personnel Outflows
Example Accounts Outflow Description # of Pmts Per Year Amt of Each Pmt Monthly Amount
Groceries
Vegetable Gardening
School Lunches
Toiletries & Grooming
Hair & Make-up
Medical, Dental, & Optical
Medication & Prescriptions
Clothing & Laundry
Dry Cleaning
Education
Daycare
Child Support
Health Club Memberships
Therapy
Total Monthly Personnel Outflow: Balance Forward
  
Transportation Outflows
Example Accounts Outflow Description # of Pmts Per Year Amt of Each Pmt Monthly Amount
Gasoline
Car Repairs & Maintenance
Car Payments
Lease Payments
Fares and tolls
Parking
Licenses & Permits
Fines & Tickets
Fines & Tickets
Fines & Tickets
Total Monthly Transportation Outflow: Balance Forward
  
Residential Outflows
Example Accounts Outflow Description # of Pmts Per Year Amt of Each Pmt Monthly Amount
Grounds Maintenance
Building Repairs & Maint.
Cleaning Supplies
Furniture & Fixtures
Appliances
Pest Control
Interior Decorating
Rent or Lease Payments
Mortgage Payments
Property Taxes
Propane, Fuel Oil, & Wood
Electricty
Property Insurance
Snow Removal
Alarm Systems
Total Monthly Residential Outflow: Balance Forward
  
Entertainment Outflows
Example Accounts Outflow Description # of Pmts Per Year Amt of Each Pmt Monthly Amount
Movies & Theatrical
Long Distance Calls
Vidio & Movie Rental
Cable & Satelite
Sporting Events & Activities
Hobbies & Crafts
Games, Arcade, and Amusement
Parties & Entertaining
Gifts
Dining Out
Nightclubs
Gambling
Pets & Pet Supplies
Music
Vacation Propery Payments
Vacation & Travel
Total Monthly Entertainment Outflow:
  
Summary of Inflow and Outflows
Links Category Outflows Inflows
Instructions
Inflows
Administrative
Personnel
Transportation
Residential
Entertainment
Totals 		Monthly Inflow
Monthly Administrative Outflow
Monthly Personnel Outflow
Monthly Transportation Outflow
Monthly Residential Outflow
Monthly Entertainment Outflow
Total Monthly Outflows
Net Cash Flow

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