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# Cash Flow

vCalc.Cash Flow

The **Cash Flow** calculator computes the difference between one's income and one's expenses.

**INSTRUCTIONS:** Choose your preferred currency (e.g. Brazilian Real) and enter the following:

- (i) Income
- (e) Expenses

**Cash Flow (CF):** The calculator returns the cash flow in U.S. dollars. This can be automatically converted to other currency units (e.g. Indian Rupee) via the pull-down menu.

#### The Math / Science

The Cash Flow formula calculates the difference between one's total income from all sources and total expenses. Note, the period for both factors must be the same (e.g. monthly wages and monthly bills). The Cash Flow formula constitutes the basic premise of liquidity over a period of time. Insolvency occurs when a cumulative negative cash flow eliminates cash reserves. When cash flow is negative, you need to either increase income to meet expenses, or decrease expenses to meet income.

#### Personal Finance Equations:

**Annualized Amortization**- computes the monthly payment of a fixed interest rate loan (e.g. home mortgage).**Credit Card Equation**- computes the number of months to pay off a credit card.**Leverage Ratio**- calculates a ratio describing debt to income.**Cash Flow**- calculates the difference between income an expenses**Compound Interest**- computes the compounded interest on a fixed interest rate investment**CAGR**- computes the compounded annual growth rate achieved on an investment.**Present Value**- computes the present value of a fixed annuity.**Future Value**- computes the future value of a fixed annuity.**Rule of 72**- provides a quick estimate on time to double an investment**Simple Interest Earned**- a rough estimate on interest earned over time.- Monthly Payment - Monthly payments including property taxes and insurance.
- Year 1 Interest- Interest paid on a loan or mortgage in the first year.
- Total Payments - Cumulative cost of a loan including principle and interest.
- Wage Calculator

# External Links

**Cash Flow**, is used in 3 calculators.