30-yr fixed 6.43% ▾ 0.06 wk
15-yr fixed 5.79% ▾ 0.04 wk
HELOC avg 7.90% — no change
Auto 60-mo new 6.82% ▴ +0.03 mo
Personal 24-mo 11.57% ▾ 0.12 qtr
Credit card APR 21.52% ▴ +0.09 qtr
as of Jul 2, 2026 · Federal Reserve / Freddie Mac via FRED (St. Louis Fed)
Business Calculators

Cash Flow Calculator

Track the money moving in and out of your business each month to see your net cash flow — the lifeblood of any company.

Inputs
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$
$
$
$
$

Estimates only. Change any value to recalculate instantly.

Net positive cash flow $12,500.00 per month
Gross profit $36,000
Operating cash flow $18,000
Net cash flow $12,500
Cash flow margin 20.8%
Where revenue goes
Where revenue goes COGS: $24kOperating expenses: $18kDebt & taxes: $5.5kNet cash: $13k
  • COGS $24k
  • Operating expenses $18k
  • Debt & taxes $5.5k
  • Net cash $13k

You generate $12,500.00 of positive cash flow a month. Profit is an opinion; cash flow is a fact — it is what actually keeps the doors open.

How this calculator works

This calculator runs entirely in your browser — nothing you enter is sent anywhere, and there is no sign-up. Change any input and the result, breakdown, and schedule update instantly.

Rate and cost fields are pre-filled with current benchmarks (Federal Reserve / Freddie Mac via FRED (St. Louis Fed)), so your first result is already realistic — replace them with your own quote to see your numbers. To weigh one option against another, use the loan comparison calculator.

Common questions

Is this calculator free, and do I need to sign up?

Yes and no — it is completely free and asks for no account or personal details. Every calculation happens in your browser, so nothing you type is stored or sent to us.

How accurate are the results?

The math is exact for the inputs you give it, but the defaults are national benchmarks — your real rate, fees, taxes, and insurance will differ. Treat the result as a close estimate to refine with a real quote.

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