Project your monthly and annual cash flow. Enter income and expenses by category to see your net surplus, savings rate, and months to reach a financial goal.
Take-home pay + any other regular income
Target amount — see how many months to reach it
Enter values above to see results
Net Cash Flow = Total Income − Total Expenses | Savings Rate = (Net Cash Flow ÷ Income) × 100Net Cash FlowMoney remaining after all monthly expensesSavings RatePercentage of income saved each monthMonths to GoalSavings Goal ÷ Monthly Net Cash FlowCash flow analysis shows whether your income exceeds your expenses (positive flow) or not (negative flow). The savings rate — net cash flow as a percentage of income — is a key metric for financial health. A savings rate of 20%+ is considered healthy; 50%+ is excellent. The FIRE movement targets 50-70% savings rates for early retirement.
Understanding your personal cash flow — the difference between what comes in and what goes out — is the single most important step in building financial security. Unlike net worth, which is a snapshot, cash flow is dynamic and directly within your control. This projector helps you see exactly where your money goes and what your financial trajectory looks like.
Enter your monthly after-tax income and your expenses by category. The projector calculates your net cash flow, savings rate, expense ratio, and — if you enter a savings goal — how many months until you reach it. The financial health assessment gives you instant context on where you stand.
Housing $1,500, then utilities, groceries, transport, insurance, debt, subscriptions and other adding $1,700 more.
A healthy 36% savings rate; a $10,000 goal is about 6 months away at this pace.
A savings rate above 20% is considered healthy; the FIRE movement targets 50%+.
Breaking expenses into categories reveals where money leaks out unnoticed. The savings rate metric lets you compare yourself to benchmarks. The months-to-goal calculation turns abstract saving into a concrete timeline, making financial goals feel achievable.
Use net (after-tax) income, not gross. Include irregular expenses as monthly averages (annual insurance ÷ 12, quarterly subscriptions ÷ 3). Many people forget subscriptions and small recurring expenses that add up significantly. The 'other expenses' field is for everything that doesn't fit a category.
Calculate compound interest, final amount, and total interest earned with different compounding frequencies. See the power of compounding.
Calculate returns on Systematic Investment Plan (SIP). See how regular monthly investments grow over time with compound returns.
Calculate total gain, annualized return (CAGR), dividend income, and after-tax return on any investment. Essential for portfolio analysis.
Calculate your net take-home salary after federal tax, state tax, Social Security, and Medicare deductions. Supports US payroll.