Cash flow gap calculator
See if your income covers what you owe each month.
When your expenses outrun your income, the difference gets covered by credit. That's how balances grow, even without a big purchase behind them.
Cash flow gap
Enter your take-home pay, living costs, and debt payments. We'll show what's left over.
$650 a month is what’s available for savings, overpayments, or the things this doesn’t count - annual bills, repairs, anything irregular. Those are what turn a surplus on paper into a gap in practice.
Estimates only, based on the figures you enter, not an offer of credit. Your actual rate and payment depend on the lender and your circumstances.
Reading your result
| Your result | What it means |
|---|---|
| Left each month | What remains from your take-home pay after living costs and debt payments. |
| Committed each month | The total amount going toward living costs and debt payments each month. |
| Income going to debt | The share of your take-home pay used for debt payments. |
A positive number here doesn't count everything. Savings, extra payments toward debt, and irregular costs like annual bills or repairs aren't included. Those are what can turn a surplus on paper into a real gap.