Finance, business & the decisions that matter
Ideas. Evidence. Perspective.The financial journal
LOADMOREMONEY · MARKETS · ANALYSIS
Menu

01 / Your scenario

Set the assumptions

Amounts in USD. These example inputs are editable, not recommendations.

A constant-budget scenario, not a forecast of future earnings.

Reset example

No account required. The tool processes your submitted inputs for this calculation and does not save them to a user profile.

02 / The result

Your scenario, calculated

Showing the editable example above. Modeled values, not a forecast.

Monthly net cash flow
700.00USD
Projected closing cash
14,400.00USD
Total income in the period
48,000.00USD
Total expenses in the period
39,600.00USD
View the chart & data

Use the answer for a real decision

Monthly income minus entered costs leaves USD 700.00. This monthly total does not establish whether rent clears before payday. Set aside irregular annual bills and test actual payment dates in the dated calendar before committing a surplus to another goal.

Check your actual payday and bill dates

Before interpreting the result

What this model includes

All monthly income and costs are received or paid by month end and remain constant. Intra-month bill timing, interest, borrowing, taxes not entered as expenses and unexpected costs are excluded. A negative balance represents an unfunded shortfall, not an available overdraft.

Formula & method

Monthly net cash flow = income − essential expenses − other expenses. End-of-month cash = opening cash + month number × monthly net cash flow.

Background reading: CFPB: budgeting and cash-flow resources. These references explain the concepts; they do not endorse this calculator.

03 / Visual evidence

The scenario over time

Vertical scale: USD. Horizontal scale: Month. Lines join the calculated points; no probability is implied.

  • Available cash / shortfall
0.007.2k14.4kAvailable cash / shortfallAvailable cash / shortfall: 6,000.00 USD at Month 0Available cash / shortfall: 14,400.00 USD at Month 12012

Shared value scale; zero is included. These are modeled scenarios using your assumptions, not observed market data. The table provides every plotted value.

Scenario data

USD amounts are displayed to two decimal places. Calculations use unrounded internal values. Scroll across a wide table on smaller screens.

Scenario data · hypothetical inputs
MonthAvailable cash / shortfall (USD)Cumulative income (USD)Cumulative expenses (USD)
06,000.000.000.00
16,700.004,000.003,300.00
27,400.008,000.006,600.00
38,100.0012,000.009,900.00
48,800.0016,000.0013,200.00
59,500.0020,000.0016,500.00
610,200.0024,000.0019,800.00
710,900.0028,000.0023,100.00
811,600.0032,000.0026,400.00
912,300.0036,000.0029,700.00
1013,000.0040,000.0033,000.00
1113,700.0044,000.0036,300.00
1214,400.0048,000.0039,600.00

Try another perspective

Change one assumption at a time, then compare the result. A scenario is a way to examine a decision, not a promise of an outcome.

All free financial tools

From the library

Further reading

All articles →