Income minus expenses is your cash flow, the fuel for every goal. See yours.
A cash flow calculator shows your monthly surplus or deficit, income minus all spending, and your savings rate, the foundation for every financial goal.
Cash flow is the money left after spending, the fuel for saving, investing, and paying down debt. A positive number means you can build wealth; a negative one means you're going backward, often on credit. Knowing your cash flow, and your savings rate, is the single most useful number in personal finance.
You improve cash flow by earning more or spending less, and the savings rate, your surplus as a share of income, is what actually drives how fast you reach goals. Even small, consistent surpluses compound over time. Tracking spending by category (our spending tracker helps) reveals where the money goes and where to trim.
Your income minus all spending. A positive figure is money you can save or invest; a negative one means you're spending more than you earn.
Many aim for 15-20% of income or more, but any positive, consistent rate builds wealth over time. Higher rates reach goals faster.
Earn more or spend less. Tracking spending by category reveals where to trim, and even small consistent surpluses compound.
See the exact formula and a worked example on our methodology page.