Cash Flow Calculator
Profit is not cash. This calculator compares your monthly income with your monthly expenses to show what actually remains — your monthly surplus, its annual total and your savings rate.
How it works
Net cash flow is monthly income minus monthly expenses. A positive number builds savings; a negative number means debt. The savings rate is the surplus as a percentage of income — a widely used measure of financial health.
Worked example
Example: Income €4,000, expenses €2,800 → surplus €1,200/month, €14,400/year, 30% savings rate.
Recommendations
- Aim for a savings rate above 15% as a solid baseline.
- Track cash flow monthly — annual averages hide seasonal spikes.
- Build an emergency fund equal to 3–6 months of expenses from your surplus.
Tips & advice
- Automate transfers on payday so the surplus survives temptation.
- A negative cash flow is a debt spiral — fix expenses before income.
- Review subscriptions and recurring charges quarterly; they creep upward.
Next steps & suggestions
- Know how much loan you can carry with the Debt Ratio Calculator.
- Plan a major purchase with the Borrowing Capacity Calculator.
- See where your business cash goes with the Profitability Calculator.
Net Margin Calculator
Gross margin tells you about your product; net margin tells you about your business. After every cost is paid, what percentage of revenue is actually yours?
Sale Price Calculator
Cost-plus pricing is a recipe for margin erosion. This calculator works the other way: you decide the margin, and it tells you the price that guarantees it.
Break-even Calculator
Before you make a euro of profit, you must cover your costs. This calculator finds the exact sales volume and revenue where you break even — and where profit begins.
Profitability Calculator
Revenue is vanity, profit is sanity. This calculator takes your revenue and total expenses and gives you the three numbers that matter: absolute profit, profit margin and markup.
Cash Flow Calculator
It is 100% free, private and requires no signup.
Try it nowFrequently Asked Questions
A ROAS above your break-even ROAS is profitable. For a 40% margin, break-even is 2.5x, so aim above that after accounting for all costs.
Margin is profit divided by the selling price. Markup is profit divided by the cost. A 60% margin equals a 150% markup.
Yes — every calculator is 100% free, with no signup, no limit and no hidden cost.
No. All calculations run instantly in your browser. Your inputs are never sent to a server or saved.
They use standard financial formulas and are ideal for estimates. Actual figures can vary due to taxes, fees and local rules, so confirm critical numbers with a professional.
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