Cash Flow Calculator
See exactly where you stand each month or year. Compare your income against your expenses to find your net cash flow, savings rate and expense ratio — instantly and free.
Cash flow calculator
Set your total income and expenses for the month to see your net cash flow, savings rate and expense ratio.
All take-home income for the period (salary, rent, side income…).
Everything you spend for the period — rent, EMIs, bills, food.
- Expenses70%
- Savings30%
Net cash flow
₹15,000
You save ₹15,000 this period
Total income
₹50,000
Total expenses
₹35,000
70.0% of income
Savings rate
30.0%
Healthy — at or above the 20% target
A short-term gap? Working-capital finance can bridge it.
Understand your money flow
Knowing your cash flow is the first step to taking control of your finances. A consistent surplus lets you save, invest and borrow on better terms; a recurring shortfall is an early warning to adjust spending or line up working capital before it becomes a problem.
Three numbers, one clear picture
The calculator turns two figures into an honest snapshot of your financial health.
Add up your income
Enter all the money coming in for the period — salary, business income, rent or any side earnings.
Add up your expenses
Total everything going out: rent or EMIs, utilities, groceries, transport and discretionary spends.
Read your net position
We subtract expenses from income to show your net cash flow, savings rate and the share of income you spend.
Cash flow questions, answered
Cash flow is the difference between the money you receive and the money you spend over a period. A positive cash flow means you have a surplus to save or invest; a negative one means you are spending more than you earn and may need to cut costs or arrange short-term finance.
Net cash flow = total income − total expenses for the chosen period. This calculator normalises everything to the view you pick (monthly or yearly), so income and expenses are always compared on the same timescale.
Savings rate is your net cash flow as a percentage of income. A widely used rule of thumb is to save at least 20% of your income. The higher your savings rate, the faster you build an emergency fund and reach financial goals.
The expense ratio is your total expenses as a percentage of your income. A lower ratio leaves more room to save and absorb unexpected costs. If your expense ratio is above 100%, you are spending more than you earn.
No. All calculations run entirely in your browser as you type. PakkaLoan does not record or transmit the figures you enter into this calculator.
Working capital when your cash flow is tight
If a temporary shortfall is squeezing your business, compare business and working-capital loan offers from 70+ lenders — one application, no impact on your credit score to check.