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Retirement

What Is My Projected Cash Flow?

Fair (80 Ratings)

1.524998/5

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 (80 Ratings)

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Rates

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• Mortgage

  Loan Type	Today	Last Week
  30 Year Fixed	5.60%	5.76%
  15 Year Fixed	5.40%	5.50%
  1 Year ARM	5.59%	5.99%
  30 Year Fixed Jumbo	7.09%	7.29%
  5/1 ARM	5.94%	5.95%
  3/1 ARM	5.84%	5.86%

  Source: Bankrate
• Home Equity

  Loan Type	Today	Last Week
  $30K Home Equity Loan	8.20%	8.19%
  $50K Home Equity Loan	8.13%	8.11%
  $75K Home Equity Loan	8.12%	8.11%
  $30K HELOC	4.93%	4.93%
  $50K HELOC	4.76%	4.76%
  $75K HELOC	4.75%	4.75%

  Source: Bankrate
• Savings

  Savings Type	Today	Last Week
  6 month CD	2.80%	2.83%
  1 year CD	3.26%	3.35%
  3 year CD	3.46%	3.47%
  MMA	2.37%	2.38%
  $10K MMA	2.55%	2.60%
  $25K MMA	2.89%	2.95%

  Source: Bankrate
• Auto

  Loan Type	Today	Last Week
  36 Month New Car Loan	6.62%	6.79%
  48 Month New Car Loan	6.75%	6.83%
  60 Month New Car Loan	6.56%	6.59%
  72 Month New Car Loan	6.63%	6.44%
  36 Month Used Car Loan	7.13%	7.14%
  48 Month Used Car Loan	6.80%	6.80%

  Source: Bankrate
• Credit Cards

  Card Type	Today	Last Week
  Balance Transfer Credit Cards	10.28%	10.27%
  Credit Cards For Bad Credit	11.01%	11.24%
  Low Interest Credit Cards	11.39%	11.39%
  Instant Approval Credit Cards	12.11%	11.92%
  Airline Credit Cards	12.69%	12.69%
  Cash Back Credit Cards	13.12%	13.23%

  Source: CreditCards.com

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