What Is My Projected Cash Flow?

Businesses generate a sources and uses of cash statement to evaluate their income and expenses and to check profitability. They also create a proforma which is a projection of future cash flows based on assumptions about growth/decline of income and expenses. Similary, a projected cash flow statement can help you evaluate your personal income and expenses and see if you potentially may run 'in the red or the black' at a future date.

Assumptions

Monthly or annual figures?

Number of years to project growth

Itemized Income

	Amount	Annual Growth
Wages, salary and tips
Alimony, child support (received)
Dividends from stocks, etc.
Interest on savings accounts, CDs, etc.
Social security benefits
Pensions
Other income

Itemized Expenses

	Amount	Annual Growth
Mortgage payment or rent
Vacation home (mortgage)
Automobile loan(s)
Personal loan(s)
Charge accounts
Federal income taxes
State income taxes
FICA (social security taxes)
Real estate taxes
Other taxes
Utilities
Household repairs and maintenance
Food
Clothing and laundry
Educational expenses
Child care
Automobile expenses (gas, repairs, etc.)
Other transportation expenses
Life insurance premiums
Homeowners (renters) insurance
Automobile insurance
Medical, dental and disability insurance
Entertainment and dining
Recreation and travel
Club dues
Hobbies
Gifts
Major home improvements and furnishings
Professional services
Charitable contributions
Other and miscellaneous expenses

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.