Cashflow Analysis Tool

This free personal finance cash-flow analysis tool is for those who want to better assess one's available spending power after taking into consideration known income and expenses over time. Cashflow issues often lead to panic decisions, such as high-interest pay-day loans or over-using credit cards. While a budget might look good, and the account balance looks good, financial commitments might result in cashflow issues later and identifying them early when decisions can be made to avert it is critical.

As discussed in Chapter 5 in the book An Engineer's Attempt to Explain Personal Finance, using cashflow better identifies issues and minimizes surprises when several known expenses overlap and allow some necessary flexibility because not all expenses occure every month. Enter each of your budget items to model your cashflow for a 24 month period look-ahead. If you wish to model monthly expenses or income that are seasonal, such as a power bill, use the yearly buget section and define each month separately.

For your ease of mind, your data remains stored in your browser memory and will be wiped clean with a browser refresh. Use the Save/Export button to avoid losing work and a JSON file will be created in your Downloads folder for importing at a later date. Due to the size of the tool and the desire to make it easier to use, we have set this one up to open in its own tab using the button below. If it does not work, check your browser settings. These tools are best viewed in a desktop environment. For those who prefer completing the calculations by hand, a blank form may be found by clicking here.

Coming Soon! The book An Engineer's Attempt to Explain Personal Finance is being updated and will include instructions on how to use this form.

All tools are free to use and are being provided for convenience and entertainment purposes. The user is solely responsible for its use and application.