Monthly Cash Flow Calculator

Use this tool to develop a clear picture of your monthly cash flow. It can help you identify your fixed, variable and discretionary costs and show you whether you have a surplus or shortfall at the end of the month. Should you be looking for lending solutions to achieve your goals, your results screen will show you how much debt you may be able to comfortably take on.


Total Income:


After deductions for taxes, Old Age Security (OAS) and Employment Insurance (EI) and any contributions to a company pension or the Canadian Pension Plan (CPP)

Other income

Investment, rental or business income

Total Income:

Expenses - Fixed

Total Expenses - Fixed:

Housing Costs

Mortgages, rent, condo/maintenance fees, property taxes, lawn care and supplies, snow removal, renovations, cleaning


Gas, water, electricity, heat, sewage

Home Services

Home and mobile phone, internet, cable, home security


Car, home, life, disability, medical/health

Child Care

Daycare, nanny, child support

Loans, Lines of Credit and Credit Cards

Monthly payments on existing credit

Long Term Savings

Pension, RSP, TFSA, RESP

Other Fixed Expenses

Payroll deductions (if not already included elsewhere), pension, charitable donations, alimony

Total Expenses - Fixed:

Expenses - Variable & Discretionary

Total Expenses - Variable & Discretionary:



Dining out, movies, concerts, streaming media and other digital subscriptions


Car lease/loan payment, gas, transit, service/repairs, parking, ride-hailing/taxi

Personal care

Clothing, gifts, hair care, fitness and wellness memberships, sport and leisure activities


Tuition, books, exam fees

Other Variable Expenses

Uninsured medical expenses, pet expenses, dry cleaning, subscriptions

Other Discretionary Expenses

Donations, vacations, electronics

Total Expenses - Variable & Discretionary:


Personal lending products are subject to Royal Bank of Canada's standard credit criteria.

This calculation is based on the accuracy and completeness of the data you have entered, is for illustrative and general information purposes only, and is not intended to provide specific financial or other advice, and should not be relied upon in that regard. You should speak with your professional accountant or other professional advisors before making a final decision to ensure any strategy meets your overall financial needs and that your personal circumstances have been taken into account.

Royal Bank of Canada does not make any express or implied warranties or representations with respect to any information or results in connection with the calculator. Royal Bank of Canada will not be liable for any losses or damages arising from any errors or omissions in any information or results, or any action or decision made by you in reliance on any information or results.