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Calcimator

Cash Flow Timing Calculator

Map your bill due dates against your pay dates. Ensure you have enough cash in each half of the month to cover expenses without dipping into reserves.

Inputs

$
$
$
$

Results

1st Half Surplus

$666.67

≈ 7 nice dinners out

2nd Half Surplus

$966.67

≈ 7 pairs of sneakers

Monthly Net Cash Flow$1,633.33
Cash Flow Rating4
Buffer Adequacy100%
How to Use This Calculator
  1. Enter Pay Frequency, Weekly, and Biweekly.
  2. Set Semi-monthly, Monthly, and Pay Amount.
  3. Adjust Bills Due 1st–15th, Bills Due 16th–30th as needed.
  4. Review 1st Half Surplus ($) and 2nd Half Surplus ($).
  5. Use Monthly Net Cash Flow ($) and Cash Flow Rating (/ 5) to inform your decision.

How the result changes with Pay Amount

Pay Amount1st Half Surplus2nd Half Surplus
$5,000.00$3,916.67$4,216.67
$17,500.00$17,458.33$17,758.33
$32,500.00$33,708.33$34,008.33
$45,000.00$47,250.00$47,550.00

What each input means

Pay Frequency
How often you receive a paycheck.
Pay Amount
Take-home pay per paycheck.
Bills Due 1st–15th
Total bills due in the first half of the month.
Bills Due 16th–30th
Total bills due in the second half of the month.
Minimum Cash Buffer
Minimum you want in checking at all times.

How this is calculated

Worked example, using the default values

  1. Identify Input Parameters
    4 parameters
    Pay Frequency = 2, Pay Amount = 2000, Bills Due 1st–15th = 1500, Bills Due 16th–30th = 1200 = 5 input(s) provided
  2. Calculate 1st Half Surplus
    1st Half Surplus
    666.67 = $666.67
  3. Calculate 2nd Half Surplus
    2nd Half Surplus
    966.67 = $966.67
  4. Calculate Monthly Net Cash Flow
    Monthly Net Cash Flow
    1633.33 = $1,633.33
  5. Calculate Cash Flow Rating
    4 = 4

Engine last updated .

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