Cashflow Calculator
Hexo Cashflow CalculatorUnderstand Where Your Money Goes
You may know how much your household earns every month. But do you know how much is actually left after accounting for everything?
Your salary may arrive monthly, bonuses once a year, school fees quarterly and insurance premiums annually. Meanwhile, household expenses, EMIs and investments continue throughout the year. When these amounts are viewed separately, it becomes difficult to understand your complete financial picture.
At Hexo Wealth, we believe that understanding how money moves through your household is an important starting point for organising your financial life.
The Hexo Cashflow Calculator brings your income, expenses, investments and savings contributions into one organised monthly view. It helps you understand where your money goes, how much you are setting aside and whether your recorded cashflow leaves you with a surplus or deficit.
The idea is simple: before making decisions about your money, understand your present financial position.
The calculator helps you do that. It is not designed to predict future income, investment returns or financial outcomes.
What Is Hexo Cashflow Calculator?
Monthly Cashflow View
Bring your income, household expenses, investments and savings contributions together in one monthly view. Understand how much money comes into your household, where it is being allocated and what remains after accounting for the commitments you have entered.
Family Cashflow Summary
Your household finances may involve more than one earning or contributing member. The calculator allows you to record information separately for up to three family members and view their combined household cashflow. This helps you understand the family's overall financial position rather than looking at individual incomes and expenses in isolation. Automated observations are based on the consolidated family totals.
Expense Allocation
Knowing your total monthly spending is useful. Understanding where that spending is concentrated is equally important. The Expense Allocation feature shows your largest expense categories and lets you explore the individual entries contributing to each category.
Cashflow Indicators & Observations
The calculator goes beyond displaying totals. It provides income-based ratios and up to five automated observations to help you understand selected patterns in your recorded cashflow. These indicators offer a more structured way to review your household finances without treating any particular percentage as a universal measure of financial health.
Build Your Monthly Cashflow View
01
Record Your Income Sources
02
Organise Your Expenses
03
Record Investments & Savings Contributions
04
Review the Remaining Balance
Different Frequencies, One Monthly View
Weekly
Monthly
Quarterly
Half Yearly
Annually
One-time
Enter each amount according to how frequently it occurs. The calculator automatically converts these entries into monthly equivalents.
Understand Your Monthly Surplus or Deficit
Monthly surplus
A monthly surplus means your recorded household income exceeds your expenses and investments and savings contributions. In simple terms, it is the money remaining after accounting for the commitments you have entered. However, a surplus does not automatically mean you have the same amount freely available to spend. If certain expenses, annual commitments or irregular payments have been missed, the actual available amount may be lower. That is why reviewing the completeness of your entries is as important as looking at the final number.
Monthly deficit
A monthly deficit means your recorded expenses and investments and savings contributions exceed your recorded income. This is worth examining, but it does not automatically mean your household is in financial difficulty. For example, a deficit may arise because of temporarily higher expenses, irregular income or contributions being funded from accumulated savings. The calculator highlights the difference between recorded inflows and outflows. Understanding why that difference exists requires looking at your actual circumstances.
| Particulars | Monthly Amount |
|---|---|
| Income | ₹1,00,000 |
| Expenses | ₹60,000 |
| Investments & savings contributions | ₹25,000 |
| Remaining surplus | ₹15,000 |
In this example, the household spends ₹60,000, contributes ₹25,000 towards investments and savings, and has a recorded surplus of ₹15,000.
The important point is that the ₹15,000 is the balance after the ₹25,000 investment and savings contribution has already been deducted.
Understanding this distinction helps avoid treating the same money as both an existing contribution and an additional available surplus.
Understand Core & Other Expenses
Core + Other = Total Expenses. Both are already in your total and are not deducted again.
Core Expenses
When understanding household spending, it is also useful to consider which expenses are likely to continue during retirement. In the Hexo Cashflow Calculator, Core Expenses are those you currently expect to remain part of your family's lifestyle or financial commitments during retirement. For example, groceries, household maintenance, healthcare and certain lifestyle expenses may continue even after your regular employment income stops. An expense does not have to be absolutely essential to qualify as Core. It may simply be something your family expects to continue spending on. The calculator provides default Core Expense selections, which you can change according to your circumstances. This classification helps you identify the portion of today's spending that may remain relevant when discussing retirement needs.
Other Expenses
Other Expenses are the expenses not marked as Core. For example, a loan EMI or a particular education-related expense may be a significant financial commitment today but might not continue into retirement. However, Other Expenses do not necessarily mean unnecessary or avoidable expenses. They simply represent expenses that have not been classified as expected to continue during retirement. Core Expenses + Other Expenses = Total Expenses Both categories are already included in your total household expenses. They are not deducted again while calculating your cashflow balance. Investments and savings contributions remain separate from these expense classifications.
See Your Expense Allocation
Your total monthly expenses show how much your household spends, while the Expense Allocation chart highlights the five largest expense categories based on monthly-equivalent amounts. Remaining categories are grouped under “Other Expenses.”
Hover over or select a chart segment or legend entry to explore individual expense heads. Percentages are calculated against total household expenses, excluding investments and savings contributions. “Other Expenses” represents smaller spending categories and is different from the Core and Other Expense classification used for retirement planning.
Understand Your Cashflow Indicators
Expense Ratio
The Expense Ratio shows the percentage of recorded household income spent on expenses, calculated as Monthly Expenses ÷ Monthly Income × 100. For example, a 60% ratio means ₹60 of every ₹100 goes towards household expenses, excluding investments and savings contributions. Interpret this ratio in the context of your family's responsibilities, income pattern and circumstances.
Investment Ratio
The Investment Ratio shows the percentage of recorded household income allocated to investments and savings, calculated as Monthly Investments & Savings Contributions ÷ Monthly Income × 100. For example, a 25% ratio means ₹25 of every ₹100 is contributed towards savings and investments. It reflects your current allocation but does not determine whether your contributions are sufficient for your financial goals or assess investment performance or suitability.
Surplus or Deficit Ratio
The Surplus or Deficit Ratio shows the remaining surplus or shortfall as a percentage of recorded household income, calculated as Monthly Surplus or Deficit Amount ÷ Monthly Income × 100. A 15% surplus means ₹15 remains per ₹100 of income after recorded expenses, investments and savings contributions. A deficit indicates that recorded outflows exceed income, helping you understand the balance or shortfall relative to your income.
EMI-to-Income Ratio
The EMI-to-Income Ratio shows the percentage of recorded household income committed to EMIs entered under the calculator's predefined loan repayment heads, calculated as Monthly-Equivalent EMIs ÷ Monthly Income × 100. For example, a 30% ratio means ₹30 of every ₹100 goes towards these loan repayments. It does not assess outstanding loan balances or overall debt affordability, and EMIs entered under custom expense heads are excluded.
What Stands Out in Your Cashflow?
- The remaining surplus or recorded deficit.
- The share of income used towards expenses.
- Contributions towards investments and savings.
- The proportion of income committed to designated EMIs.
- The share of expenses marked as Core.
- Concentration in larger expense categories.
- The contribution of non-monthly expenses.
- Current inflow coverage for retired households.
- Missing information that limits interpretation.
For example, you may notice that a significant portion of your recorded expenses comes from non-monthly commitments, even though those payments do not appear in your regular monthly budget.
Such observations can help you identify areas worth understanding or discussing in greater detail.
Figures and percentages appearing in these observations are rounded to the nearest whole number.
The observations are factual descriptions of your recorded information. They do not assess individual family members, recommend financial actions or compare your family against universal financial benchmarks.
For Working & Retired Households
Working Households
During your working years, income may support household expenses, children's education, EMIs, insurance premiums, family commitments and long-term investments. The Hexo Cashflow Calculator brings these amounts together, including bonuses, incentives and non-monthly expenses, to help you understand how your income is allocated and what remains for different financial priorities.
Retired Households
After retirement, income may come from pensions, annuities, rent, interest, SWPs and other sources. The Hexo Cashflow Calculator compares recorded inflows with household expenses to show current cashflow coverage before investments and savings contributions. However, this does not guarantee future retirement corpus sufficiency, as SWP receipts may include withdrawals from invested capital. The calculator does not estimate how long your retirement corpus will last.
Your Hexo Cashflow Calculator Report
Once you complete your entries, the Hexo Cashflow Calculator brings your recorded information and results together in one report, including personal and family details, monthly income, expenses, investment contributions, surplus or deficit, cashflow ratios, Core and Other Expense breakdown, Expense Allocation summary, income and expense details, automated cashflow observations, scope limitations and disclosures.
Choose Category Summary for a consolidated spending view or Detailed Expenses to review individual expense entries. You can print the report or save it as a PDF through your browser. At Hexo Wealth, we believe organised financial information helps you review your current position and have meaningful conversations about your money.
Multiple Currency Support
Single Currency Mode
If your household receives income and makes payments in one currency, you can record all amounts using the selected currency. This provides a consistent view of your income, expenses, contributions and remaining cashflow.
Multiple Currency Mode
The Hexo Cashflow Calculator supports up to three currencies and consolidates income and expenses into your selected Default Currency using manually entered exchange rates. Enter the “Rates as of” date and verify all rates, as live exchange rates are not fetched automatically.
Important Things to Keep in Mind
Enter Complete Information
Your cashflow results depend on the information entered. Include all relevant income sources, household expenses, financial commitments, and investments and savings contributions. Missing annual insurance premiums, school fees or irregular expenses may overstate your recorded surplus.
Avoid Double Counting
Record shared household payments only once, even if one member pays on behalf of others. If you enter in-hand salary, do not record payroll deductions again as outflows. Avoid entering the same expense under multiple categories.
Separate Contributions From Balances
The calculator measures contributions towards investments and savings, not existing asset values. Enter contributions for the selected frequency, excluding existing mutual fund portfolio values, fixed deposit balances and other investment holdings.
Review Variable Income
Bonuses, incentives and irregular receipts affect monthly-equivalent income but may not be consistent. When reviewing ongoing commitments, consider how dependable these income sources are rather than assuming they will continue at the same level.
Review Core Expense Selections
Core Expense selections reflect spending your family expects to continue during retirement. Review the default selections and adjust them to match your anticipated retirement lifestyle, responsibilities and financial needs.
Update Your Cashflow
Your income, EMIs, family responsibilities and investment contributions may change over time. Review your cashflow whenever significant changes occur. Keeping information relevant to the selected report date helps make future comparisons and financial discussions more useful.
Understand How Your Information Is Stored
The Hexo Cashflow Calculator stores your entered financial information locally in your browser and does not automatically transmit financial values to Hexo Wealth. When you select Print / Save PDF, your name and mobile number from the report-access form are sent separately to Hexo Wealth before the browser’s print dialog opens.
You can also export a data backup for later use, which is shared with Hexo Wealth only if you choose to send it. This means using the calculator does not automatically share your detailed household cashflow with Hexo Wealth.
Understanding Hexo Wealth's Role
At Hexo Wealth, we believe organising your financial information is the first step towards understanding your financial life. The Hexo Cashflow Calculator helps individuals and families review income, expenses, investments and savings contributions in a structured way, supporting financial awareness and informed discussions about their current position. However, it is not a complete financial plan and does not determine the suitability of any financial product.
Hexo Wealth Associates LLP
Bring Clarity to Your Everyday Money
You don’t necessarily need to earn more to understand your finances better. Sometimes, the first step is knowing how your existing income is being used. The Hexo Cashflow Calculator brings together your income, household expenses, investments and savings contributions to help you understand your current financial position.
At Hexo Wealth, we encourage families to start with this clarity, organise their numbers and use the information to identify important financial questions and have more meaningful conversations about their financial life.
FREQUENTLY ASKED QUESTIONS
Hexo Cashflow Calculator is a tool that helps you organise your household income, expenses, investments and savings contributions into one monthly-equivalent view. It shows where your recorded income is allocated and what remains after accounting for your entered outflows.
Monthly surplus is calculated by subtracting household expenses and investments and savings contributions from monthly income.
If recorded income is higher than these combined outflows, the calculator shows a surplus. If outflows exceed income, it shows a deficit.
No. Investments and savings contributions are displayed separately from household expenses.
However, both expenses and contributions are deducted from income to calculate the remaining cashflow balance.
No. Enter the amount you contribute towards investments and savings during the selected frequency.
For example, if your monthly SIP is ₹20,000, enter ₹20,000 rather than the current value of your mutual fund portfolio.
Yes. The calculator supports weekly, monthly, quarterly, half-yearly and annual entries.
It automatically converts these amounts into monthly equivalents, helping you account for financial commitments that do not occur every month.
Yes. You can record income, expenses and contributions separately for up to three family members.
The calculator combines these entries to show the household's consolidated cashflow position. Automated observations use the combined family totals.
A Core Expense is an expense currently marked as expected to continue during retirement.
It does not necessarily mean the expense is essential. You can review and change the default selections according to your family's anticipated retirement lifestyle and commitments.
Yes. Multiple Currency Mode allows you to use up to three currencies.
The calculator consolidates entries into your selected Default Currency using exchange rates that you enter manually. It does not automatically use live exchange rates.
No. The calculator focuses on current household cashflow.
It does not calculate net worth or determine whether your emergency fund is sufficient.
For example, entering ₹10,000 as a monthly emergency fund contribution records the amount being saved, not the existing balance or how many months of expenses the fund could cover.
Yes. After completing the report-access form, you can print your cashflow report or save it as a PDF through your browser.
You can also export a data backup for later use.
No. The calculator is designed to help you understand and organise your recorded financial information.
Its ratios and observations do not recommend buying, selling, holding or changing any financial product.
Important Cashflow Calculator Disclaimer
Hexo Cashflow Calculator is provided as a financial awareness, organisation and discussion tool. It presents household cashflow information based on the income, expenses, investments and savings contributions entered by the user.
All calculations, totals, ratios and observations depend on the accuracy, completeness, classification and current relevance of the information provided.
Weekly, quarterly, half-yearly and annual entries are converted into monthly equivalents for comparison. These conversions represent average monthly amounts and do not indicate the actual dates on which money will be received or paid.
Core Expenses reflect user-selected assumptions about spending expected to continue during retirement. These classifications are intended to support financial understanding and discussion and may be modified according to individual circumstances.
Where multiple currencies are used, consolidated figures depend on manually entered exchange rates. The calculator does not use live market exchange rates.
Automated observations are generated using predefined rules and consolidated family cashflow information. They describe selected aspects of the recorded information and do not constitute personalised investment advice, financial ratings or recommendations to buy, sell, hold or alter any financial product.
The calculator does not assess net worth, outstanding debt balances, asset liquidity, emergency fund adequacy, insurance adequacy, financial goal sufficiency, risk profile, investment suitability, taxation, legal matters or retirement-corpus sufficiency.
A recorded monthly surplus or sufficient current retirement inflows should not be interpreted as a guarantee of future financial security.
Hexo Wealth Associates LLP | AMFI-registered Mutual Fund Distributor | ARN-353817
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.