TaxLand, Inc. - Cash Flow Calculator

Since cash inflows and outflows vary in amounts and intervals it can often get quite confusing in trying to figure how much we can afford to spend or save during any given month. Just because you have left over cash this month doesn't mean it's actually available for spending.

This calculator was designed to convert all inflows and outflows into their monthly equivalents making it easier to see how much you can really afford to spend during any given month. And because your household is just as much a business as any traditional business, I've set up the various sections in the same way most businesses would set up their cash flow worksheet.

General Instructions

Starting at the top and working your way down, complete and calculate the cash flows for each of the six sections. Be sure to click on each section's "Compute..." button before going on to the next section. Once you've computed the entire worksheet, including the Cash Flow Summary, you can then go back and edit your entries. Just be sure to recompute each section after editing. Once you're comfortable with your Cash Flow Forecast you can then click on the "Create Report" button at the bottom of the worksheet. This will create a condensed report in a new window that you print out and refer to when creating your spending plan (you may have to press CTRL-P in order to print the report).

NOTE: If your browser shuts down while using this calculator it's likely due to your browser running out of memory. Please consult your system users guide for instructions on increasing the amount of memory alloted to your browser application.

Column/Field Explanations.

Example Accounts: A listing of the types of cash flow items recommended for the current section.

Inflow Description: The description you want to appear on the Cash Flow Report.

# of Pmts Per Year: Enter the number of times per year you typically pay or receive the given cash flow. If you typically pay your electric bill once per month, you would enter "12" as the # of Pmts Per Year. On the other hand, if you tipically pay your auto insurance once every six months, you would enter "2" as the # of Pmts Per Year.

Amt of Each Pmt: Enter the average amount of the cash flow as it corresponds to the # of Pmts Per Year. In other words, if you make two payments of $200 for auto insurance each year, you would enter "2" in the # of Pmts Per Year field and "200" in the Amt of Each Payment field.

Monthly Amount: This is a computed field that calculates the monthly amount needed to be set aside for the given cash flow account. Upon clicking on the "Compute..." button the underlying equation divides the # of Pmts Per Year entry by 12, and then divides the Amt of Each Pmt by that result. For example, if you make two payments of $600 each year, the Monthly Amount field will give a result of "100" as the amount you'll need to set aside each month in order to have the $600 available when the payment comes due.

Balance Forward: This is a computed field that will show you how much of your cash inflow total is still available for allocation. If this number is negative, it means you've allocated more outflows than the total of your inflows.

Cash Inflows
Example Accounts	Inflow Description	# of Pmts Per Year	Amt of Each Pmt	Monthly Amount
Your Primary Job Spouse's Primary Job Your Second Job Spouse's Second Job Your Business Revenues Spouse's Business Revenues Interest & Dividend Income Rental Income Cash Gifts Gambling Winnings Rummage Sale Receipts Tax Refund







Instructions Inflows Administrative Personnel Transportation Residential Entertainment Totals


	Total Monthly Inflow:

Adminstrative Outflows		Balance Forward:
Example Accounts	Income Description	# of Pmts Per Year	Amt of Each Pmt	Monthly Amount
Savings Deposits Investment Deposits Office Supplies Postage Basic Phone Tax Preparation Computer Supplies Legal Expenses Misc. Payments Brokerage Fees Income Tax Payments Health Insurance Life Insurance Charitable Gifts Tools Reference Materials Classified Ads







Instructions Inflows Administrative Personnel Transportation Residential Entertainment Totals


	Total Monthly Adminsitrative Outflow:

Personnel Outflows		Balance Forward:
Example Accounts	Outflow Description	# of Pmts Per Year	Amt of Each Pmt	Monthly Amount
Groceries Vegetable Gardening School Lunches Toiletries & Grooming Hair & Make-up Medical, Dental, & Optical Medication & Prescriptions Clothing & Laundry Dry Cleaning Education Daycare Child Support Health Club Memberships Therapy







Instructions Inflows Administrative Personnel Transportation Residential Entertainment Totals


	Total Monthly Personnel Outflow:

Transportation Outflows		Balance Forward:
Example Accounts	Outflow Description	# of Pmts Per Year	Amt of Each Pmt	Monthly Amount
Gasoline Car Repairs & Maintenance Car Insurance Car Payments Lease Payments Fares and tolls Parking Licenses & Permits Fines & Tickets







Instructions Inflows Administrative Personnel Transportation Residential Entertainment Totals


	Total Monthly Transportation Outflow:

Residential Outflows		Balance Forward:
Example Accounts	Outflow Description	# of Pmts Per Year	Amt of Each Pmt	Monthly Amount
Grounds Maintenance Building Repairs & Maint. Cleaning Supplies Furniture & Fixtures Appliances Pest Control Interior Decorating Rent or Lease Payments Mortgage Payments Property Taxes Propane, Fuel Oil, & Wood Electricty Property Insurance Snow Removal Alarm Systems







Instructions Inflows Administrative Personnel Transportation Residential Entertainment Totals


	Total Monthly Residential Outflow:

Entertainment Outflows		Balance Forward:
Example Accounts	Outflow Description	# of Pmts Per Year	Amt of Each Pmt	Monthly Amount
Movies & Theatrical Long Distance Calls Video & Movie Rental Cable & Satelite Sporting Events & Activities Hobbies & Crafts Games, Arcade, and Amusement Parties & Entertaining Gifts Dining Out Nightclubs Gambling Pets & Pet Supplies Music Vacation Propery Payments Vacation & Travel







Instructions Inflows Administrative Personnel Transportation Residential Entertainment Totals


	Total Monthly Entertainment Outflow:

Summary of Inflow and Outflows
Links	Category	Outflows	Inflows
Instructions Inflows Administrative Personnel Transportation Residential Entertainment Totals	Monthly Inflow:
	Monthly Administrative Outflow:
	Monthly Personnel Outflow:
	Monthly Transportation Outflow:
	Monthly Residential Outflow:
	Monthly Entertainment Outflow:

	Total Monthly Outflows:
	Net Cash Flow:

Attorney Advertising (Included because Chet Greenspan, the President of TaxLand, Inc., is an attorney.)

TaxLand, Inc. has been providing accounting services in the New York (NY), Long Island communities of Nassau County, Queens County, Metropolitan New York Area, Brooklyn, Bronx, Staten Island, Manhattan, Suffolk County, Westchester, Kings County, New Jersey (NJ), Florida (FL) , North Carolina (NC), Virginia (VA), Washington DC (DC), Massachusetts (MA), Pennsylvania (PA), Connecticut (CT), California (CA), Oregon(OR), Ohio (OH), South Carolina (SC), Delaware (DE), Maryland (MD),

Within these states, especially Long Island, New York (NY) we frequently service Addisleigh Park, Albany, Albertson, Alexandria, Allendale, Alpharetta, Amityville, Andover, Ardsley, Arlington, Arverne, Asharoken, Astoria, Atlanta, Atlantic Beach, Babylon, Baldwin, Baldwin Harbor, Baltimore, Bay Shore, Bayshore, Bayside, Bedford, Bedford Hills, Bedminster, Bellerose, Bellmore, Bessemer, Bethpage, Beverly Hills, Binghamton, Blackstone, Blakeslee, Bloomfield, Boca Raton Florida (FL) , Bohemia, Bound Brook, Boynton Beach, Branford, Brentwood, Briarwood, Bridgehampton, Bridgewater, Broad Channel, Bronx, Bronxville, Brookline, Brooklyn, Brookville, Brookville, Calabasas, Caldwell, Cambria Heights, Candor, Carle Place, Carmel Valley, Cedar Grove, Cedarhurst, Centereach, Centerport, Central Islip, Chappaqua, Cherry Hill (NJ), Chicago (IL), Cincinnati (OH), Clifton Park, Cold Spring Harbor, College Point, Columbia, Commack, Copaigue, Coral Springs (FL), Coram, Cornwall, Cortlandt Manor, Cos Cob, Cranbury, Crown Point, Crystal Beach, D' Abadie, Dallas (TX), Danville, Darian, Deer Park, Delray Beach (FL), Deltona, Denver (CO), Derby, Des Moines, Dix Hills, Douglaston, Durham, East Brunswick, East Elmhurst, East Fairfield, East Farmingdale, East Flatbush, East Hills, East Islip, East Meadow, East Northport, East Norwich, East Patchougue, East Rockaway, East Rockaway, East Rutherford, East Williston, Elizabeth, lmhurst, Elmont, Englewood, Essex Falls, Far Hills, Far Rockaway, Farmingdale, Farmingville, Flemington, Floral Park, Floral Park Village, Florham Park, Flushing, Forest Hills, Fort Lauderdale, Fort Lee, Fort Myers (FL), Franklin Lakes, Franklin Square, Frederick, Freehold, Freeport, Fresh Meadows, Ft. Collins, Ft. Myers (FL), Garden City, Garden City Park, Garden City South, Glen Cove, Glen Head, Glen Oaks, Glendale, Glenwood Landing, Golden's Bridge, Great Neck, Greeley, Greenlawn, Greenpoint, Greenport, Greenvale, Greenwich, Hackensack, Hagerstown, Haines City, Hamden, Hampton Bays, Harrison, Hartsdale, Hauppauge, Hayward, Hazlet, Hempstead, Hesperia, Hewlett, Hewlett Harbor, Hicksville, Highland Park, Hillcrest, Hillsdale, Holbrook, Hollis, Holmdel, Holtsville, Horseheads, Howard Beach, Huntington, Huntington Station, Huntington Village, Incline Village, Inwood, Irvington, Isabela, Islamorada, Island Park, Islandia, Islip, Jackson Heights, Jacksonville, Jamaica, Jamaica Estates, Jericho, Jersey City, Jerusalem, Jihlava, Kearney, Kew Gardens, Kilmarnock, Kings Park, Kirkland, Lafayette, Lake Hiawatha, Lake Ronkonkoma, Lake Success, Lakehurst, Lakeville, Land O' Lakes, Larchmont, Laurel Hollow, Laurelton, Lawrenceville, Levittown, Lincoln, Lindenhurst, Little Neck, Locust Valley, London, Long Beach, Long Island City, Long Valley, Longboat Key, Los Angeles (CA), Louisville (KY), Lubbock, Lynbrook, Macon, Madison, Mahopac, Mahwah, Malverne, Mamaroneck, Manchester (NH), Manhasset, Manor Park, Maplewood, Margate, Marlboro, Maspeth, Massapequa, Massapequa Park, Mastic, Mastic Beach, Medford, Melville, Merrick, Mesa, Miami (FL), Miami Lakes, Middle Island, Middle Village, Middletown, Miller Place, Millerton, Mineola, Minneapolis, Minturn, Miramar, Monsey, Monticello, Montville, Morganville, Moriches, Morris Plain, Mountain View, Mt. Kisco, Mount Kisko, Muttontown, N Miami Beach, N. E. Palm Bay, Nesconset, New Canaan, New City, New Hyde Park, New Rochelle, New York, Newark (NJ), Newton, Nipomo, North Babylon, North Bayshore, North Bellmore, North Granby, North Massapequa, North Merrick, North Palm Beach, North Shirley, Northport, Norwalk (CT), Novi, Oak Ridge, Oakland, Ocean, Oceanside, Old Bethpage, Old Bridge, Old Brookville, Old Westbury, Oradell, Orlando (FL), Ormond Beach, Oxon Hill, Oyster Bay, Oyster Bay Cove, Ozone Park, Palm Coast, Park Ridge, Parma, Parsippany, Patchougue, Patchougue, Philadelphia (PA), Pinebrook, Pinellas Park, Plainfield, Plainview, Plandome, Plandome Heights, Plantation, Point Lookout, Point Pleasant, Pomona, Port Chester, Port Chester, Port Jefferson Station, Port Washington, Portland, Portola Valley, Princeton, Queens Village, Raleigh, Ramsey, Rego Park, Remsenburg, Reno (NV), Richmond (VA), Richmond Hill (VA), Ridge, Ridgefield, Ridgewood, Riverdale, Riverside, Robbinsville, Rochdale, Rockaway, Rockaway Park, Rockville Centre, Rocky Point, Rolla, Ronkonkoma, Roosevelt, Rosedale, Roseland, Roslyn, Roslyn Heights, Saddle Brook, Saddle River, Sag Harbor, Saint Albans, San Antonio (TX), San Francisco (CA), Sanderstead, South Croyden, Santa Barbara (CA), Santa Cruz (CA), Santapogue, Sarasota, Sayreville, Sayville, Scarsdale, Scottsdale (AZ), Sea Cliff, Seaford, Searingtown, Seattle (WA), Selden, Selden, Shelter Island, Sherburne, Short Hills, Shrub Oak, Simi Valley, Smithtown, Snellville, Somers, South Bellmore, South Farmingdale, South Hempstead, South Ozone Park, South Pasadena, South Setauket, Southhampton, Southold, Spring, Spring Hill, Spring Valley, Springfield Gardens, St. Albans, Stanhope, State College, Staten Island Sterling, Stewart Manor, Stony Brook, Stroudsburg, Stuart, Suffern, Sunnyside, Swampscott, Syosset, Syracuse, Tallahassee (FL), Tamarac, Tampa (FL), Tarzana, Teaneck, Thousand Oaks, Tuckahoe, Tuxedo Park, Union City, Uniondale, Upper Brookville, Upper Saddle River, Valley Cottage, Valley Stream, Van Nuys, Venice, Vero Beach,Wading River, Wantagh, Warrington, Washington, Weehawkan, West Babylon, West Chester, West Hampton, West Hempstead, West Islip, West New York, West Orange, West Palm Beach, West Sayville, Westbury, Westhampton, Weston, Westport, Wheatley Heights, Whippany, White Plains, Whitestone, Williston Park, Wilmington, Wilton, Winston-Salem, Woodbury, Woodhaven, Woodmere, Woodside, Wyckoff, Yonkers, and Yorktown Heights