Pro Calculator
Personal Cashflow Calculator
Income, expenses, assets and liabilities — then your net worth, passive-income ratio and how close you are to financial freedom.
Tool 14: Cashflow Calculator
To win the financial game you need to focus on your cashflow!
By Noel Cardona
Note: Property Cash Flow Reserved Rights
Monthly Income Inflows
Monthly Expenses Outflows
Note: Property Cash Flow Reserved Rights
Assets
Definition: Anything of economic value that you own or control.
Common Examples:
- Cash & Savings
- Real Estate (Home, Rental)
- Investments (Stocks, Bonds, Crypto)
- Retirement Accounts (Pension, ISA)
- Vehicles
- Jewelry & Art
What you own
Common Examples:
- Cash & Savings
- Real Estate (Home, Rental)
- Investments (Stocks, Bonds, Crypto)
- Retirement Accounts (Pension, ISA)
- Vehicles
- Jewelry & Art
Liabilities
Definition: Financial debts or obligations owed to others.
Common Examples:
- Mortgages
- Car Loans
- Student Loans
- Credit Card Balances
- Personal Loans
What you owe
Common Examples:
- Mortgages
- Car Loans
- Student Loans
- Credit Card Balances
- Personal Loans
Note: Property Cash Flow Reserved Rights
Financial Health Ratios
→ 33% - Dependent
→ 200% - Financially Free
Income Statement Summary
Balance Sheet Summary
Keep this
Email me this analysis
Every figure you have entered and everything the model returns, sent to your inbox. Forward it to a broker, a partner or a solicitor — or reply to it with a question.
On its way.
Before any property decision, the honest question is what your own finances currently do. This tool maps your income, expenses, assets and liabilities and shows how much of your life is already covered by passive income.
What this calculator works out
- All income, split between what you work for and what your assets produce.
- Expenses separated into fixed commitments and discretionary spending.
- Assets and liabilities, giving your net worth as it stands today.
- Monthly surplus — the money actually available to invest.
- The percentage of your living costs already covered by passive income, which is the number that measures progress.
A worked example
Someone earning £3,800 a month with £3,100 of expenses and £250 of rental income has a £700 surplus and 8% of their life covered passively. Those two numbers set the pace of everything that follows.
Common questions
Why measure passive income as a percentage?
Because it is the only figure that tracks the distance to financial independence. A rising net worth can sit entirely in a house you live in; a rising passive-income percentage cannot.
Should I clear debt before investing in property?
Expensive unsecured debt, generally yes — few property deals reliably beat a credit card rate. A cheap mortgage or student loan is a different question and usually should not stop you investing.
How much surplus do I need to start?
Enough to build a deposit and to hold a cash reserve for the property once you own it. The reserve matters more than most beginners expect: a boiler and a void in the same month is a normal event, not a disaster.
Related tools and services
Worth running the same deal through the Buy-to-Let Calculator and the HMO Calculator before you commit to a strategy — the same building can look very different under each, and the gap between them is usually the real decision. The rest are in the calculator library.
If the numbers work and the property is in Liverpool or the Wirral, we run it for a living: see HMO and BTL management for a property you already own, or investment sourcing if you are still looking for the right one.
Want this run on a real deal with you? Come to the free class, or take the whole set in the UK Property Investor Toolkit.