Cash Flow Calculators

We developed a library of cash flow calculators to aid you in the decision making process for an array of personal and business situations. These calculators are easy-to-use and provide an in-depth analysis for virtually any financial scenario, along with graphs, charts and tables. Simply select the link to access the calculator of your choice. Please give us a call if you need assistance with inputting the data or interpreting the information. 

How Does Inflation Impact My Standard of Living?
Inflation can erode purchasing power. For example, a dollar today cannot buy the same amount of goods and services it could 20 years ago. It will continue to erode purchasing power in the future. Use this calculator to determine the impact inflation may have on your standard of living.

How Much Am I Spending?
Where does all the money go? An itemization of your living expenses may help you budget better and plan for future expenses. Use this calculator to help you recall and itemize your living expenses.

How Much Do I Need For Emergencies?
It is prudent planning to have at least three to six months of liquid/cash assets set aside in the event of a loss of job, medical emergency, short-term disability, etc. Use this calculator to help determine how much you need to set aside monthly or as a lump sum to create an emergency fund.

Should I Pay Down Debt Or Invest My Monthly Surplus?
When you receive some extra money it may be difficult to determine whether you should invest the funds or use them to retire debt. Financial theory recommends that if your after-tax return on investments is greater than your after-tax cost of debt then you should invest. However, remember to consider the inherent riskiness of the investment you select (i.e. you may lose the money you invest yet still have obligations to pay back the liability). Use this calculator to help analyze your situation.

How Long Will My Money Last With Systematic Withdrawals?
You have worked hard to accumulate your savings. Use this calculator to determine how long those funds will last given regular withdrawals.

Should My Spouse Enter The Workforce? 
A working spouse can provide additional needed household income. However, when making your decision, you need to look at the net income generated by a working spouse not simply the gross income. Factors such as health insurance savings, increased daycare expenses, additional transportation costs, etc. need to be considered. Use this calculator to help determine the potential additional take-home pay.

What Is My Current Net Worth?
In order to get where you want to go, you need to know where you are. You can get a view of your financial position by generating a personal net worth statement. Over time your net worth will change as your assets earn interest or are depleted and your liabilities increase or decrease. Use this calculator to estimate what your net worth could be in the future based on specified growth rates.

What Is My Projected Net Worth?
In order to get where you want to go, you need to know where you are. You can get a view of your financial position by generating a personal net worth statement. Over time your net worth will change as your assets earn interest or are depleted and your liabilities increase or decrease. Use this calculator to estimate what your net worth could be in the future based on specified growth rates.

What Is My Current Cash Flow?
Businesses generate a sources and uses of cash statement to evaluate their income and expenses and to check profitability. Similarly, a cash flow statement can help you evaluate your personal income and expenses and see if you are running ‘in the red or the black’ each month.

What Is My Projected Cash Flow?
Businesses generate a sources and uses of cash statement to evaluate their income and expenses and to check profitability. They also create a proforma which is a projection of future cash flows based on assumptions about growth/decline of income and expenses. Similarly, a projected cash flow statement can help you evaluate your personal income and expenses and see if you potentially may run ‘in the red or the black’ at a future date.

What Is The Value Of Reducing, Postponing, or Foregoing Expenses?
Use this calculator to help determine what you could accumulate by reducing or eliminating discretionary monthly expenses.