Use this to calculate your Net Cash Flow. You should use this to review your annual and monthly cashflow as well as to support your budget planning process. If you have a regular cash surplus, you can then consider investing in a regular investment plan that aligns with your risk profile, to generate better returns.
If you identify cash deficits, you can then review your spending / budget to identify if the cause(s) is one-off or recurring and make necessary changes if recurring. Persistent deficits mean you are at risk becoming dependent on debt.
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