This calculator is the first of two calculators that will assist you in determining
how much money you can contribute to your investing goals on a monthly basis. It
will help you to identify those "Hidden Expenses" that don't come up every month and are
often overlooked in a budgeting process. This will then become one input in the Cash Flow Calculator where you will document your more obvious monthly
expenses and determine the amount of money you have available for your
You don't need
to fill in every blank of the calculator below, but consider each item carefully. At the bottom is a
miscellaneous "Other" category where you can lump expenses that are not included elsewhere in the calculator. Keep in mind that these are
"yearly" totals. The calculator will make the "monthly" total at
This is one of two calculators that will show you how much positive cash flow you have per month. The other is the Cash Flow calculator. You Monthly Total Hidden Expenses are one input into that calculator that calculates your positive cash flow, from which you can decide how much per month to dedicate to your investing plan.
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