![]() ![]() To calculate your free cash flow, you’ll need to calculate your income, fixed expenses and variable expenses. Just as business owners calculate their business cash flow, you can also figure your personal cash flow. Free cash flow is money you can spend after your earmarked expenses have been deducted.īy monitoring your bank account closely (sign up for online banking) and tracking your expenses (try a budget app), you’ll be able to clearly see how your personal cash flow is being spent. Knowing how to track both is key to your financial success. Operating cash flow refers to money you track for business purposes. How to Use a Spreadsheet to Calculate Cash Flowįree cash flow is what you have to spend after your household costs have been deducted.
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