What does this tool do?
Cash flow is income minus spending in a given month. A positive figure can fund savings or debt repayment; a negative one must be covered by borrowing or reserves.
The Formula
Net cash flow = Monthly income − (Fixed bills + Variable spending + Debt payments)Frequently Asked Questions
Why is my cash flow positive but my balance flat?
Transfers to savings, annual bills and irregular expenses may be missing. Add a monthly average for those costs.
How should I use a surplus?
Cover required bills and minimum debt payments first, then build a buffer and fund goals. This tool does not recommend specific products.