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Retirement

What Is My Projected Cash Flow?

Fair (61 Ratings)

1.524586/5

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	Input
Monthly or annual figures?	MonthlyAnnual
Number of years to project growth	(1-99)

Itemized Income	Amount	Annual Growth
Wages, salary and tips	$	(0-12)%
Alimony, child support (received)	$	(0-12)%
Dividends from stocks, etc.	$	(0-12)%
Interest on savings accounts, CDs, etc.	$	(0-12)%
Social security benefits	$	(0-12)%
Pensions	$	(0-12)%
Other income	$	(0-12)%

Itemized Expenses	Amount	Annual Growth
Mortgage payment or rent	$	(0-12)%
Vacation home (mortgage)	$	(0-12)%
Automobile loan(s)	$	(0-12)%
Personal loan(s)	$	(0-12)%
Charge accounts	$	(0-12)%
Federal income taxes	$	(0-12)%
State income taxes	$	(0-12)%
FICA (social security taxes)	$	(0-12)%
Real estate taxes	$	(0-12)%
Other taxes	$	(0-12)%
Utilities	$	(0-12)%
Household repairs and maintenance	$	(0-12)%
Food	$	(0-12)%
Clothing and laundry	$	(0-12)%
Educational expenses	$	(0-12)%
Child care	$	(0-12)%
Automobile expenses (gas, repairs, etc.)	$	(0-12)%
Other transportation expenses	$	(0-12)%
Life insurance premiums	$	(0-12)%
Homeowners (renters) insurance	$	(0-12)%
Automobile insurance	$	(0-12)%
Medical, dental and disability insurance	$	(0-12)%
Entertainment and dining	$	(0-12)%
Recreation and travel	$	(0-12)%
Club dues	$	(0-12)%
Hobbies	$	(0-12)%
Gifts	$	(0-12)%
Major home improvements and furnishings	$	(0-12)%
Professional services	$	(0-12)%
Charitable contributions	$	(0-12)%
Other and miscellaneous expenses	$	(0-12)%

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Fair (61 Ratings)

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Rates

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• Mortgage

  Loan Type	Today	Last Week
  30 Year Fixed	5.69%	5.77%
  15 Year Fixed	5.28%	5.35%
  1 Year ARM	5.85%	5.90%
  30 Year Fixed Jumbo	6.97%	7.07%
  5/1 ARM	5.09%	5.39%
  3/1 ARM	5.02%	5.35%

  Source: Bankrate
• Home Equity

  Loan Type	Today	Last Week
  $30K Home Equity Loan	7.42%	7.41%
  $50K Home Equity Loan	7.26%	7.26%
  $75K Home Equity Loan	7.50%	7.50%
  $30K HELOC	5.02%	5.06%
  $50K HELOC	4.17%	4.18%
  $75K HELOC	4.16%	4.17%

  Source: Bankrate
• Savings

  Savings Type	Today	Last Week
  6 month CD	2.76%	2.75%
  1 year CD	3.03%	3.01%
  3 year CD	3.18%	3.15%
  MMA	2.35%	2.37%
  $10K MMA	2.54%	2.56%
  $25K MMA	2.93%	2.93%

  Source: Bankrate
• Auto

  Loan Type	Today	Last Week
  36 Month New Car Loan	6.66%	6.64%
  48 Month New Car Loan	6.58%	6.77%
  60 Month New Car Loan	6.57%	6.54%
  72 Month New Car Loan	7.10%	7.11%
  36 Month Used Car Loan	7.17%	7.20%
  48 Month Used Car Loan	6.89%	7.11%

  Source: Bankrate
• Credit Cards

  Card Type	Today	Last Week
  Balance Transfer	10.31%	10.03%
  Low Interest	11.01%	10.97%
  For Bad Credit	13.02%	13.12%
  Cash Back	11.47%	11.46%
  Business	11.10%	10.91%
  Airline	12.75%	12.69%

  Source: CreditCards.com

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