| Example of cash flow calculation. | © 2007 FinanceMind. All rights reserved. | ||||||||||
| Download in PDF / MS Excel format | |||||||||||
| Priority | Monthly | Annual | Annual | Note | |||||||
| $ | $ | $ | |||||||||
| CASH INFLOW (INCOME) | |||||||||||
| Salaries and Wages | 3,000 | x 12 = | 24,000 | 1 | |||||||
| Contract | 200 | x 5 = | 1,000 | 2 | |||||||
| Bonus | 2,000 | 3 | |||||||||
| Rental Income | 300 | x 10 = | 3,000 | 4 | |||||||
| Divivend from Stock | 500 | 5 | |||||||||
| Total Cash Inflow | 30,500 | (A) | |||||||||
| CASH OUTFLOW (EXPENSE / SPENDING) | |||||||||||
| a) Fixed Commitment | |||||||||||
| Mortgage Installment | 500 | x 12 = | 6,000 | ||||||||
| Rental | 500 | x 12 = | 6,000 | ||||||||
| Income Tax | 200 | 1 | |||||||||
| Subtotal | -12,200 | ||||||||||
| b) Basic Living | |||||||||||
| Food | 500 | x 12 = | 6,000 | ||||||||
| Clothing and Grooming | 70 | x 12 = | 840 | ||||||||
| Energy and Utilities | 50 | x 12 = | 600 | 2 | |||||||
| Medical and Life Insurance | 100 | x 12 = | 1,200 | ||||||||
| Allowance | 300 | x 12 = | 3,600 | ||||||||
| Subtotal | -12,240 | ||||||||||
| c) Communication | |||||||||||
| Telephone (fixed and mobile) | 40 | x 12 = | 480 | ||||||||
| Internet | 20 | x 12 = | 240 | ||||||||
| Subtotal | -720 | ||||||||||
| d) Travelling | |||||||||||
| Car Installment | - | ||||||||||
| Car Repair and Maintenance | - | ||||||||||
| Petrol and Gas | - | ||||||||||
| Parking, Toll and Tickets | - | ||||||||||
| License Fee | - | ||||||||||
| Car Insurance | - | ||||||||||
| Public Transportation | 150 | x 12 = | 1,800 | ||||||||
| Subtotal | -1,800 | ||||||||||
| e) Education | |||||||||||
| Tuition and Examination Fee | - | ||||||||||
| Additional Lessons (eg. piano, swimming) | - | ||||||||||
| Stationery | 10 | x 12 = | 120 | ||||||||
| Subtotal | -120 | ||||||||||
| f) Festivals & Celebrations | |||||||||||
| Gifts | 500 | ||||||||||
| Food and Drinks | 200 | ||||||||||
| Subtotal | -700 | ||||||||||
| g) Entertainment | |||||||||||
| Dining Out | 70 | x 12 = | 840 | ||||||||
| Holiday Outing | 500 | ||||||||||
| Movies and Music | 15 | x 12 = | 180 | ||||||||
| Party and Clubbing | - | ||||||||||
| Gym Fee | - | ||||||||||
| Cable TV | 30 | x 12 = | 360 | ||||||||
| Magazine Subscription | - | ||||||||||
| Subtotal | -1,880 | ||||||||||
| Total Cash OutFlow | -29,660 | (B) | |||||||||
| ANNUAL CASH INFLOW OR OUTFLOW | 840 | (C) = (A)-(B) | |||||||||
| CASH INFLOW OVER CASH OUTFLOW RATIO | 1.03 | (A) / (B) x (-1) | |||||||||