What’s your cash flow?

Determine your cash flow and how much you can save for the future while meeting your regular expenses by using this simple worksheet. For help filling in certain lines, click on the underlined words at left.

This figure should include your take-home pay, or your annual salary minus the amount withheld by your employer for taxes.

This includes public transportation costs, such as bus fare, as well as gas expenses for your car.

This might include life, car, medical, dental, and renters’ insurance.

This might include cable and Internet bills, as well as movies, concerts, and sporting events. While these activities qualify as wants, you can realistically expect to spend some of your income on a reasonable amount of activities such as these each month.

These might include trash costs, toiletry expenses, haircuts, clothing purchases, newspaper services, and more.

This includes income taxes that aren’t withheld from your annual salary, as well as car registration, sales taxes, and fees.


	INCOME

	Your annual income:

	Other:


	WEEKLY EXPENSES

	Groceries:

	Transportation/gas:

	Other:


	MONTHLY EXPENSES

	Electricity:

	Water:

	Heat:

	Phone:

	Mortgage payments/rent:

	Student loan payments:

	Credit card payments:

	Childcare costs:

	Car payments:

	Insurance:

	Entertainment:

	Other:


	ANNUAL EXPENSES

	Taxes/fees:



	Medical:

	Other:


	SAVING GOALS
	per:



	Total spent:

	Per year:

	Per month:

	Per week:


	Remainder for savings:

	Per year:

	Per month:

	Per week: