Know your cash flow. See where you stand.
Explore your monthly money, net worth and emergency savings. Open a question to see its calculator and what to have ready.
What would you like to work out?
Select a question to expand its calculator card. You can keep more than one open.
Current & Projected Cash Flow Calculator Where is my money going, and what might I have left each month?
Current & Projected Cash Flow Calculator
Compare monthly income and expenses, then explore a cash-flow projection.
Before you start
Have take-home pay and recent spending records ready. Convert less frequent bills to monthly amounts and avoid counting the same spending twice.
Net Worth Calculator What is my net worth today?
Net Worth Calculator
Compare what you own with what you owe to create a dated financial snapshot.
Before you start
Gather asset values and outstanding debt balances using one valuation date. Use your share or a consistent household basis.
Calculator in preparation
Emergency Fund Calculator How much should I set aside for emergencies?
Emergency Fund Calculator
Explore a reserve target using essential expenses, your chosen coverage period and savings already available.
Before you start
Identify essential expenses and accessible savings set aside for a disruption. Choose a coverage period that reflects your circumstances.
Calculator in preparation
Prefer a quick income-and-expense check? Use the existing Simple Cash Flow Calculator.
A few useful distinctions
Which question should I start with?
Start with cash flow if you want to understand your monthly surplus or shortfall. Use net worth for a snapshot of assets and debts. Use emergency savings to explore the cash cushion you want to build. You can return to the other views when they become relevant.
Can I have positive net worth and still run short of cash?
Yes. Your home or retirement accounts may contribute to net worth without being readily available for everyday bills. Monthly cash flow and accessible savings answer different questions from total net worth.
Does a monthly surplus mean every bill will be covered on time?
Not necessarily. Monthly totals can hide a gap between a payday and a bill’s due date. Check payment timing as well as the overall monthly result.
Official guides for a closer look
CFPB: take a realistic look at your spending
Review recent records, less frequent bills and your monthly budget.
Investor.gov: understand assets, debts and net worth
See how a financial snapshot fits into a broader savings plan.
CFPB: build an emergency fund that fits your situation
Consider the unexpected costs your reserve may need to cover.