Since cash inflows and outflows vary in amounts and intervals it can
often get quite confusing in trying to figure how much we can afford to
spend or save during any given month. Just because you have left over
cash this month doesn't mean it's actually available for spending.
This calculator was
designed to convert all inflows and outflows into their monthly
equivalents making it easier to see how much you can really afford to
spend during any given month. And because your household is just as
much a business as any traditional business, the various sections of
the calculator have been set up in the same way most businesses would
set up their cash flow worksheet.
Starting at the top and
working your way down, complete and calculate the cash flows for each
of the six sections. Once you've computed the entire worksheet,
including the Cash Flow Summary, you can then go back and edit your
entries. Once you're comfortable with your Cash Flow Forecast you can
then click on the "Create Report" button at the bottom of the
worksheet. This will create a condensed report in a new window that you
can print out and refer to when creating your spending plan.
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Your Primary Job
Spouse's Primary Job
Your Second Job
Spouse's Second Job
Your Business Revenues
Spouse's Business Revenues
Interest & Dividend Income
Rental Income
Cash Gifts
Gambling Winnings
Rummage Sale Receipts
Tax Refund
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Total Monthly Inflow:
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Savings Deposits
Investment Deposits
Office Supplies
Postage
Basic Phone
Tax Preparation
Computer Supplies
Legal Expenses
Misc. Payments
Brokerage Fees
Income Tax Payments
Health Insurance
Life Insurance
Charitable Gifts
Tools
Reference Materials
Classified Ads
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Total Monthly Adminsitrative Outflow:
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Groceries
Vegetable Gardening
School Lunches
Toiletries & Grooming
Hair & Make-up
Medical, Dental, & Optical
Medication & Prescriptions
Clothing & Laundry
Dry Cleaning
Education
Daycare
Child Support
Health Club Memberships
Therapy
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Total Monthly Personnel Outflow:
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Gasoline
Car Repairs & Maintenance
Car Insurance
Car Payments
Lease Payments
Fares and tolls
Parking
Licenses & Permits
Fines & Tickets
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Total Monthly Transportation Outflow:
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Grounds Maintenance
Building Repairs & Maint.
Cleaning Supplies
Furniture & Fixtures
Appliances
Pest Control
Interior Decorating
Rent or Lease Payments
Mortgage Payments
Property Taxes
Propane, Fuel Oil, & Wood
Electricty
Property Insurance
Snow Removal
Alarm Systems
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Total Monthly Residential Outflow:
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Movies & Theatrical
Long Distance Calls
Vidio & Movie Rental
Cable & Satelite
Sporting Events & Activities
Hobbies & Crafts
Games, Arcade, and Amusement
Parties & Entertaining
Gifts
Dining Out
Nightclubs
Gambling
Pets & Pet Supplies
Music
Vacation Propery Payments
Vacation & Travel
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Total Monthly Entertainment Outflow:
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Totals
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Monthly Inflow
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Monthly Administrative Outflow
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Monthly Personnel Outflow
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Monthly Transportation Outflow
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Monthly Residential Outflow
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Monthly Entertainment Outflow
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Total Monthly Outflows
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Net Cash Flow
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